97 banks and credit unions have branches in the Tampa-St. Petersburg-Clearwater metro area. The Bank Fee Index holds published fees for 69 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Florida
Tampa-St. Petersburg-Clearwater metro counts institutions with a branch here, wherever headquartered. Florida counts institutions headquartered in the state.
Tampa-St. Petersburg-Clearwater metro
41 institutions with a branch here
$5.95
Florida
73 institutions headquartered in Florida
$10
U.S.
2,744 institutions in the index
$10
Chosen as the fee whose Tampa-St. Petersburg-Clearwater metro median sits furthest from Florida's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Tampa-St. Petersburg-Clearwater metro 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 $0 to $37.
Median published overdraft fee
Tampa-St. Petersburg-Clearwater metro
50 institutions with a branch here
$32
Florida
72 institutions headquartered in Florida
$30
U.S.
2,605 institutions in the index
$30
Tampa-St. Petersburg-Clearwater metro 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.
97 institutions, 50 with a published overdraft fee.
Bank · based in Charlotte, NC · 85 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 Columbus, OH · 63 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Charlotte, NC · 62 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Sioux Falls, SD · 59 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 Birmingham, AL · 58 branches here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Cincinnati, OH · 45 branches here
Account not yet known
“If Overdraft Coverage is used, the per item fee for each overdraft is $37 per item.”
Credit union, membership rules apply · based in Tampa, FL · 29 branches here
Account not yet known
“Paid Non-sufficient Funds (NSF) … $29”
Bank · based in Wilmington, DE · 22 branches here
Account not yet known
“$35 fee per overdraft”
Bank · based in Wilmington, DE · 21 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Credit union, membership rules apply · based in Tampa, FL · 21 branches here
Largest banks by local bank deposits
Share of the $131.5 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Tampa-St. Petersburg-Clearwater metro's counties
Deposits and branches cover the Tampa-St. Petersburg-Clearwater metro. Population and income cover the metro's counties. 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
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for the metro's counties.
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