8 banks and credit unions have branches in Ocean City. The Bank Fee Index holds published fees for 6 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Maryland
Ocean City counts institutions with a branch here, wherever headquartered. Maryland counts institutions headquartered in the state.
Ocean City
5 institutions with a branch here
$12
Maryland
28 institutions headquartered in Maryland
$6.48
U.S.
1,903 institutions in the index
$7
Chosen as the fee whose Ocean City median sits furthest from Maryland's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Ocean City with Maryland 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 $36.
Median published overdraft fee
Ocean City
5 institutions with a branch here
$35
Maryland
38 institutions headquartered in Maryland
$31
U.S.
2,605 institutions in the index
$30
Ocean City covers every institution with a branch here, wherever it is headquartered. Maryland covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
8 institutions, 5 with a published overdraft fee.
Bank · based in Berlin, MD · 3 branches here
Bank · based in Ocean City, MD · 2 branches here
Bank · based in Willards, MD · 2 branches here
Bank · based in Easton, MD · 2 branches here
Account not yet known
“When we pay overdraft items for you, you will be charged our standard Overdraft Fee, currently $35.00, for each item that is presented”
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 Charlotte, NC · 1 branch here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Alexandria, VA · 1 branch here
Account not yet known
“Overdraft Fee and Returned Item Fee* | $32.00”
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: Worcester County
Deposits and branches cover the City of Ocean City. Population and income cover Worcester County, the county with most of Ocean City'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 Worcester County.
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