17 banks and credit unions have branches in Panama City Beach. The Bank Fee Index holds published fees for 17 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Florida
Panama City Beach counts institutions with a branch here, wherever headquartered. Florida counts institutions headquartered in the state.
Panama City Beach
10 institutions with a branch here
$5
Florida
73 institutions headquartered in Florida
$10
U.S.
2,744 institutions in the index
$10
Chosen as the fee whose Panama City Beach median sits furthest from Florida's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Panama City Beach 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
Panama City Beach
16 institutions with a branch here
$33.50
Florida
71 institutions headquartered in Florida
$30
U.S.
2,605 institutions in the index
$30
Panama City Beach 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.
17 institutions, 16 with a published overdraft fee.
Bank · based in Birmingham, AL · 4 branches here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Jackson, MS · 3 branches here
Account not yet known
“• Personal | $36.00”
Credit union, membership rules apply · based in Panama City, FL · 3 branches here
Account not yet known
“Overdraft at ATM … $30.00”
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 Conway, AR · 2 branches here
Account not yet known
“Overdraft Fee* $35.00 per paid item”
Bank · based in Tallahassee, FL · 2 branches here
Account not yet known
“Overdraft Item Fee* | $35”
Bank · based in Atlanta, GA · 1 branch here
Account not yet known
“Overdraft Fee4 | $35.00”
Bank · based in Flowood, MS · 1 branch here
Account not yet known
“Paid Item Fee** (Overdraft fee charged each time an item is presented and paid against insufficient funds) / $35”
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“Overdraft Fee | $15.00 Per overdraft item. No overdraft fees unless final account”
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.”
Largest banks by local bank deposits
Share of the $1.5 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Bay County
Deposits and branches cover the City of Panama City Beach. Population and income cover Bay County, the county with most of Panama City Beach'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 Bay County.
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