7 banks and credit unions have branches in Commerce. The Bank Fee Index holds published fees for 5 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Georgia
Commerce counts institutions with a branch here, wherever headquartered. Georgia counts institutions headquartered in the state.
Commerce
5 institutions with a branch here
$36
Georgia
50 institutions headquartered in Georgia
$32
U.S.
2,605 institutions in the index
$30
Chosen as the fee whose Commerce median sits furthest from Georgia's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Commerce with Georgia 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 $30 to $36.
Median published overdraft fee
Commerce
5 institutions with a branch here
$36
Georgia
50 institutions headquartered in Georgia
$32
U.S.
2,605 institutions in the index
$30
Commerce covers every institution with a branch here, wherever it is headquartered. Georgia covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
7 institutions, 5 with a published overdraft fee.
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 Commerce, GA · 1 branch here
Bank · based in Greenville, SC · 1 branch here
Account not yet known
“Overdraft (per item)1: $36.00”
Bank · based in Birmingham, AL · 1 branch here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Lavonia, GA · 1 branch here
Bank · based in Elberton, GA · 1 branch here
Account not yet known
“Overdraft Charge (Bounce Guard paid for items when there wasn't enough funds in the account) $30.00”
Credit union, membership rules apply · based in Jacksonville, FL · 1 branch here
Account not yet known
“COURTESY PAY | $30.00 PER ITEM”
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: Jackson County
Deposits and branches cover the City of Commerce. Population and income cover Jackson County, the county with most of Commerce'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 Jackson County.
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