11 banks and credit unions have branches in Pace. 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
Pace counts institutions with a branch here, wherever headquartered. Florida counts institutions headquartered in the state.
Pace
5 institutions with a branch here
$1
Florida
62 institutions headquartered in Florida
$2
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Pace median sits furthest from Florida's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Pace 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 $20 to $36.
Median published overdraft fee
Pace
8 institutions with a branch here
$32
Florida
71 institutions headquartered in Florida
$30
U.S.
2,605 institutions in the index
$30
Pace 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.
11 institutions, 8 with a published overdraft fee.
Bank · based in Birmingham, AL · 1 branch here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Nashville, TN · 1 branch here
Account not yet known
“Paid Item Fee | $30.00 per item”
Bank · based in Gulfport, MS · 1 branch here
Account not yet known
“We may charge you a fee of $36.00 each time we pay an overdraft.”
Bank · based in Atmore, AL · 1 branch here
Account not yet known
“You will be charged our normal overdraft or return item fee currently $34.00 for each item that is presented up to $170.00 per day”
Bank · based in Tupelo, MS · 1 branch here
Credit union, membership rules apply · based in Fort Walton Beach, FL · 1 branch here
Account not yet known
“Courtesy Pay $28.00”
Credit union, membership rules apply · based in Cantonment, FL · 1 branch here
Account not yet known
“Overdraft Privilege- Courtesy Pay Fee (Check, $35.00”
Credit union, membership rules apply · based in Pensacola, FL · 1 branch here
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 Pensacola, FL · 1 branch here
Account not yet known
“Courtesy Pay/CRTSY PAY (up to 4 per day) $29.00”
Largest banks by local bank deposits
Share of the $280 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Santa Rosa County
Deposits and branches cover the City of Pace. Population and income cover Santa Rosa County, the county with most of Pace'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 Santa Rosa County.
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