7 banks and credit unions have branches in Palatka. The Bank Fee Index holds published fees for 7 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Florida
Palatka counts institutions with a branch here, wherever headquartered. Florida counts institutions headquartered in the state.
Palatka
5 institutions with a branch here
$3
Florida
62 institutions headquartered in Florida
$2
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Palatka median sits furthest from Florida's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Palatka 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 $35 to $40.
Median published overdraft fee
Palatka
5 institutions with a branch here
$35
Florida
71 institutions headquartered in Florida
$30
U.S.
2,605 institutions in the index
$30
Palatka 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.
7 institutions, 5 with a published overdraft fee.
Bank · based in Atlanta, GA · 2 branches here
Account not yet known
“Overdraft Fee4 | $35.00”
Credit union, membership rules apply · based in Jacksonville, FL · 2 branches here
Bank · based in Winter Haven, FL · 1 branch here
Account not yet known
“| Overdraft Paid Item Fee (Checks paid in numerical order on day received. An overdraft item may be created by check/draft, in-person withdrawal, ACH item or other electronic means”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“$35 fee per overdraft”
Bank · based in Barwick, GA · 1 branch here
Bank · based in Tallahassee, FL · 1 branch here
Account not yet known
“Overdraft Item Fee* | $35”
Credit union, membership rules apply · based in Gainesville, FL · 1 branch here
Account not yet known
“Non-Sufficient Funds (NSF) / Courtesy Pay Fees*:share draft or electronic item (each) … $40.00Replace Visa Debit Card …”
Largest banks by local bank deposits
Share of the $685 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Putnam County
Deposits and branches cover the City of Palatka. Population and income cover Putnam County, the county with most of Palatka'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 Putnam County.
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