9 banks and credit unions have branches in North Miami. The Bank Fee Index holds published fees for 9 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Florida
North Miami counts institutions with a branch here, wherever headquartered. Florida counts institutions headquartered in the state.
North Miami
9 institutions with a branch here
$12
Florida
58 institutions headquartered in Florida
$7.50
U.S.
1,904 institutions in the index
$7
Chosen as the fee whose North Miami median sits furthest from Florida's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare North Miami with Florida and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Published amounts here run from $15 to $36.
Median published overdraft fee
North Miami
8 institutions with a branch here
$34.50
Florida
71 institutions headquartered in Florida
$30
U.S.
2,605 institutions in the index
$30
North Miami covers every institution with a branch here, wherever it is headquartered. Florida covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
9 institutions, 8 with a published overdraft fee.
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“$35 fee per overdraft”
Bank · based in Sioux Falls, SD · 1 branch here
Account not yet known
“Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we char”
Bank · based in Miami, FL · 1 branch here
Account not yet known
“Overdraft Funds Paid Item Fee … $18.50”
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Miami Lakes, FL · 1 branch here
Bank · based in Charlotte, NC · 1 branch here
Account not yet known
“• Truist will charge you an Overdraft Fee, if applicable, of $36 each time we pay an overdraft on your behalf.”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Credit union, membership rules apply · based in Vienna, VA · 1 branch here
Account not yet known
“†Standard Practices and Fees: We will charge a fee of $20 each time we pay an overdraft”
Credit union, membership rules apply · based in Fort Lauderdale, FL · 1 branch here
Account not yet known
“Courtesy Pay (overdraft fee) | $15 for items under $5 and $35 for $5 and over”
Largest banks by local bank deposits
Share of the $935 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Miami-Dade County
Deposits and branches cover the City of North Miami. Population and income cover Miami-Dade County, the county with most of North Miami's bank branches, not the city alone. This is background. None of it sets or explains a fee.
Bank deposits
Change at branches here, 2021 to 2026
Bank branches
Change in branch count, 2016 to 2026
Population
Change between the 2022 and 2024 Census estimates
Median household income
Census estimate, 2024
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for Miami-Dade County.
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