48 banks and credit unions have branches in the Chattanooga metro area. The Bank Fee Index holds published fees for 29 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Georgia
Chattanooga metro counts institutions with a branch here, wherever headquartered. Georgia counts institutions headquartered in the state.
Chattanooga metro
13 institutions with a branch here
$2
Georgia
26 institutions headquartered in Georgia
$1
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Chattanooga metro median sits furthest from Georgia's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Chattanooga 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 $9 to $38.
Median published overdraft fee
Chattanooga metro
21 institutions with a branch here
$35
Georgia
50 institutions headquartered in Georgia
$32
U.S.
2,605 institutions in the index
$30
Chattanooga 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.
48 institutions, 21 with a published overdraft fee.
Credit union, membership rules apply · based in Chattanooga, TN · 20 branches here
Account not yet known
“Courtesy Pay Service | $9”
Bank · based in Charlotte, NC · 16 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 Birmingham, AL · 16 branches here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Memphis, TN · 15 branches here
Account not yet known
“Overdraft fee on checks, ACH debits | $35”
Bank · based in Chattanooga, TN · 12 branches here
Bank · based in Dunlap, TN · 9 branches here
Bank · based in Nashville, TN · 7 branches here
Account not yet known
“Overdraft Item Fee* - $35”
Bank · based in Nashville, TN · 6 branches here
Account not yet known
“Paid Item Fee | $30.00 per item”
Bank · based in Ooltewah, TN · 6 branches here
Account not yet known
“NSF Paid Item* | $32.00”
Bank · based in Pigeon Forge, TN · 5 branches here
Largest banks by local bank deposits
Share of the $15.8 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Chattanooga metro's counties
Deposits and branches cover the Chattanooga 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
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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