6 banks and credit unions have branches in Lavonia. The Bank Fee Index holds published fees for 3 of them.
The count includes institutions based elsewhere that have a branch here.
Medians for reference: Georgia $32 · U.S. $30
Local median not shown; five institutions required.
Pick a fee to compare Lavonia with Georgia and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
6 institutions, 3 with a published overdraft fee.
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”
Bank · based in Raleigh, NC · 1 branch here
Account not yet known
“| • Overdraft fee (item paid) … $25.00”
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.”
Credit union, membership rules apply · based in Toccoa, GA · 1 branch here
Credit union, membership rules apply · based in Toccoa, GA · 1 branch here
Largest banks by local bank deposits
Share of the $275 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Franklin County
Deposits and branches cover the City of Lavonia. Population and income cover Franklin County, the county with most of Lavonia'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 Franklin County.
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