9 banks and credit unions have branches in Valrico. The Bank Fee Index holds published fees for 9 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Florida
Valrico counts institutions with a branch here, wherever headquartered. Florida counts institutions headquartered in the state.
Valrico
6 institutions with a branch here
$10
Florida
58 institutions headquartered in Florida
$7.50
U.S.
1,904 institutions in the index
$7
Chosen as the fee whose Valrico median sits furthest from Florida's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Valrico 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 $29 to $37.
Median published overdraft fee
Valrico
9 institutions with a branch here
$35
Florida
71 institutions headquartered in Florida
$30
U.S.
2,605 institutions in the index
$30
Valrico 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.
9 institutions, 9 with a published overdraft fee.
Bank · based in Columbus, OH · 2 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
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 · 1 branch here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
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”
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 Frostproof, FL · 1 branch here
Account not yet known
“(5) Overdraft Item Fee of $34 per item paid/returned. CONSUMERS ONLY: A maximum of $204 per account/day in fees for paid/returned overdraft items. Accounts will not be charged for”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“$35 fee per overdraft”
Credit union, membership rules apply · based in Grand Rapids, MI · 1 branch here
Account not yet known
“Courtesy Pay | $30.00/occurrence”
Credit union, membership rules apply · based in Tampa, FL · 1 branch here
Account not yet known
“Paid Non-sufficient Funds (NSF) … $29”
Largest banks by local bank deposits
Share of the $839 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Hillsborough County
Deposits and branches cover the City of Valrico. Population and income cover Hillsborough County, the county with most of Valrico'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 Hillsborough County.
Work at a bank or credit union here?
Hamilton, the Fee Insight workspace, sets an institution's own fees beside every institution in this market, with the source for each figure.
Choosing an account?
Open any institution above to see all of its published fees and where each one came from.
Search institutions