9 banks and credit unions have branches in Winter Springs. 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
Winter Springs counts institutions with a branch here, wherever headquartered. Florida counts institutions headquartered in the state.
Winter Springs
8 institutions with a branch here
$11
Florida
58 institutions headquartered in Florida
$7.50
U.S.
1,904 institutions in the index
$7
Chosen as the fee whose Winter Springs median sits furthest from Florida's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Winter Springs 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 $39.
Median published overdraft fee
Winter Springs
8 institutions with a branch here
$35.50
Florida
71 institutions headquartered in Florida
$30
U.S.
2,605 institutions in the index
$30
Winter Springs 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, 8 with a published overdraft fee.
Credit union, membership rules apply · based in Winter Springs, FL · 5 branches here
Account not yet known
“Non-Sufficient Funds/Overdraft Privilege Service Fee* | $39.00”
Bank · based in Charlotte, NC · 2 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Columbus, OH · 2 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Glenville, NY · 2 branches here
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 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 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 Birmingham, AL · 1 branch here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Credit union, membership rules apply · based in Orlando, FL · 1 branch here
Account not yet known
“Insufficient Funds (NSF)/Courtesy Pay* … $30 each”
Largest banks by local bank deposits
Share of the $1.4 billion 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 Winter Springs. Population and income cover Seminole County, the county with most of Winter Springs'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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