12 banks and credit unions have branches in Palm Harbor. The Bank Fee Index holds published fees for 11 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Florida
Palm Harbor counts institutions with a branch here, wherever headquartered. Florida counts institutions headquartered in the state.
Palm Harbor
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 Palm Harbor median sits furthest from Florida's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Palm Harbor 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 $10 to $37.
Median published overdraft fee
Palm Harbor
11 institutions with a branch here
$35
Florida
71 institutions headquartered in Florida
$30
U.S.
2,605 institutions in the index
$30
Palm Harbor 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.
12 institutions, 11 with a published overdraft fee.
Bank · based in Columbus, OH · 4 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Charlotte, NC · 3 branches 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 Sioux Falls, SD · 2 branches 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 Cincinnati, OH · 2 branches here
Account not yet known
“If Overdraft Coverage is used, the per item fee for each overdraft is $37 per item.”
Bank · based in Birmingham, AL · 2 branches here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Credit union, membership rules apply · based in Dunedin, FL · 2 branches here
Account not yet known
“• Paid items of less than $25 $10 each”
Bank · based in Charlotte, NC · 1 branch here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Nashville, TN · 1 branch here
Account not yet known
“Paid Item Fee | $30.00 per item”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
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”
Largest banks by local bank deposits
Share of the $2.3 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Pinellas County
Deposits and branches cover the City of Palm Harbor. Population and income cover Pinellas County, the county with most of Palm Harbor'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 Pinellas County.
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