10 banks and credit unions have branches in Saint Cloud. The Bank Fee Index holds published fees for 8 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Florida
Saint Cloud counts institutions with a branch here, wherever headquartered. Florida counts institutions headquartered in the state.
Saint Cloud
6 institutions with a branch here
$10
Florida
58 institutions headquartered in Florida
$7.50
U.S.
1,903 institutions in the index
$7
Chosen as the fee whose Saint Cloud median sits furthest from Florida's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Saint Cloud 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 $36.
Median published overdraft fee
Saint Cloud
8 institutions with a branch here
$35.50
Florida
71 institutions headquartered in Florida
$30
U.S.
2,605 institutions in the index
$30
Saint Cloud 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.
10 institutions, 8 with a published overdraft fee.
Bank · based in Charlotte, NC · 2 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 Winter Haven, FL · 2 branches 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 Charlotte, NC · 1 branch here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Dade City, FL · 1 branch here
Bank · based in Birmingham, AL · 1 branch here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Maitland, FL · 1 branch here
Bank · based in Conway, AR · 1 branch here
Account not yet known
“Overdraft Fee* $35.00 per paid item”
Credit union, membership rules apply · based in Lake Mary, FL · 1 branch here
Account not yet known
“Check orders | prices vary Courtesy Pay to cover overdraft | $35 00”
Largest banks by local bank deposits
Share of the $1.2 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Osceola County
Deposits and branches cover the City of Saint Cloud. Population and income cover Osceola County, the county with most of Saint Cloud'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 Osceola County.
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