21 banks and credit unions have branches in the Gainesville metro area. The Bank Fee Index holds published fees for 19 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Georgia
Gainesville metro counts institutions with a branch here, wherever headquartered. Georgia counts institutions headquartered in the state.
Gainesville metro
14 institutions with a branch here
$2.75
Georgia
26 institutions headquartered in Georgia
$1
U.S.
1,650 institutions in the index
$1.50
Chosen as the fee whose Gainesville metro median sits furthest from Georgia's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Gainesville metro 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 $10 to $37.
Median published overdraft fee
Gainesville metro
18 institutions with a branch here
$35
Georgia
50 institutions headquartered in Georgia
$32
U.S.
2,601 institutions in the index
$30
Gainesville metro 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.
21 institutions, 18 with a published overdraft fee.
Bank · based in Charlotte, NC · 6 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 Sioux Falls, SD · 5 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 · 5 branches here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Greenville, SC · 4 branches here
Account not yet known
“Overdraft (per item)1: $36.00”
Bank · based in Elberton, GA · 3 branches 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 Gainesville, GA · 3 branches here
Account not yet known
“Overdraft and Non-Sufficient Funds (NSF) (per check) | $32.00”
Bank · based in Charlotte, NC · 2 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Atlanta, GA · 2 branches here
Account not yet known
“Overdraft Fee4 | $35.00”
Bank · based in Fairfax, VA · 2 branches here
Account not yet known
“Overdrafts Overdrafts fee (per item) … $36”
Credit union, membership rules apply · based in Atlanta, GA · 2 branches here
Account not yet known
“Courtesy Pay Fee | $25.00 per item paid | Fee Type: | Courtesy Pay Fee Amount: | $25.00 per item paid”
Largest banks by local bank deposits
Share of the $5.8 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Gainesville metro's counties
Deposits and branches cover the Gainesville 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
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 the metro's counties.
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