13 banks and credit unions have branches in Ocean Springs. The Bank Fee Index holds published fees for 9 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Mississippi
Ocean Springs counts institutions with a branch here, wherever headquartered. Mississippi counts institutions headquartered in the state.
Ocean Springs
6 institutions with a branch here
$2.50
Mississippi
25 institutions headquartered in Mississippi
$2
U.S.
1,651 institutions in the index
$1.50
Chosen as the fee whose Ocean Springs median sits furthest from Mississippi's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Ocean Springs with Mississippi 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 $15 to $36.
Median published overdraft fee
Ocean Springs
5 institutions with a branch here
$35
Mississippi
35 institutions headquartered in Mississippi
$35
U.S.
2,605 institutions in the index
$30
Ocean Springs covers every institution with a branch here, wherever it is headquartered. Mississippi covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
13 institutions, 5 with a published overdraft fee.
Bank · based in Gulfport, MS · 2 branches here
Account not yet known
“We may charge you a fee of $36.00 each time we pay an overdraft.”
Bank · based in Pascagoula, MS · 2 branches here
Credit union, membership rules apply · based in Biloxi, MS · 2 branches here
Bank · based in Flowood, MS · 1 branch here
Account not yet known
“Paid Item Fee** (Overdraft fee charged each time an item is presented and paid against insufficient funds) / $35”
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“Overdraft Fee | $15.00 Per overdraft item. No overdraft fees unless final account”
Bank · based in Sioux Falls, SD · 1 branch 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 Tupelo, MS · 1 branch here
Bank · based in Biloxi, MS · 1 branch here
Bank · based in Birmingham, AL · 1 branch here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Pascagoula, MS · 1 branch here
Largest banks by local bank deposits
Share of the $987 million 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 Ocean Springs. Population and income cover Jackson County, the county with most of Ocean Springs'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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