13 banks and credit unions have branches in Sanford. The Bank Fee Index holds published fees for 13 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Florida
Sanford counts institutions with a branch here, wherever headquartered. Florida counts institutions headquartered in the state.
Sanford
6 institutions with a branch here
$16
Florida
80 institutions headquartered in Florida
$30
U.S.
2,857 institutions in the index
$30
Chosen as the fee whose Sanford median sits furthest from Florida's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Sanford 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
Sanford
11 institutions with a branch here
$35
Florida
71 institutions headquartered in Florida
$30
U.S.
2,605 institutions in the index
$30
Sanford 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.
13 institutions, 11 with a published overdraft fee.
Bank · based in Glenville, NY · 3 branches here
Credit union, membership rules apply · based in Lake Mary, FL · 2 branches here
Account not yet known
“Check orders | prices vary Courtesy Pay to cover overdraft | $35 00”
Credit union, membership rules apply · based in Orlando, FL · 2 branches here
Account not yet known
“Insufficient Funds (NSF)/Courtesy Pay* … $30 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 Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Sioux Falls, SD · 1 branch 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 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.”
Bank · based in Cincinnati, OH · 1 branch here
Account not yet known
“If Overdraft Coverage is used, the per item fee for each overdraft is $37 per item.”
Bank · based in Stuart, FL · 1 branch here
Account not yet known
“Non-Sufficient Funds/Overdrafts (For each item)5 $ 35.00”
Bank · based in Birmingham, AL · 1 branch here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Largest banks by local bank deposits
Share of the $776 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Seminole County
Deposits and branches cover the City of Sanford. Population and income cover Seminole County, the county with most of Sanford'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 Seminole County.
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