13 banks and credit unions have branches in Belmont. The Bank Fee Index holds published fees for 12 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from North Carolina
Belmont counts institutions with a branch here, wherever headquartered. North Carolina counts institutions headquartered in the state.
Belmont
11 institutions with a branch here
$2.50
North Carolina
19 institutions headquartered in North Carolina
$1.50
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Belmont median sits furthest from North Carolina's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Belmont with North Carolina 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
Belmont
10 institutions with a branch here
$35
North Carolina
22 institutions headquartered in North Carolina
$29
U.S.
2,605 institutions in the index
$30
Belmont covers every institution with a branch here, wherever it is headquartered. North Carolina covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
13 institutions, 10 with a published overdraft fee.
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 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 Belmont, NC · 1 branch here
Bank · based in Charlotte, NC · 1 branch here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Little Rock, AR · 1 branch here
Account not yet known
“An overdraft fee of $35 per item will apply, whether the overdraft is caused by check, in-person withdrawal, or electronic means.”
Bank · based in Winter Haven, FL · 1 branch here
Account not yet known
“| Overdraft Paid Item Fee (Checks paid in numerical order on day received. An overdraft item may be created by check/draft, in-person withdrawal, ACH item or other electronic means”
Bank · based in Fuquay Varina, NC · 1 branch here
Account not yet known
“Overdraft Fee: $35.00”
Bank · based in Cincinnati, OH · 1 branch here
Account not yet known
“If Overdraft Coverage is used, the per item fee for each overdraft is $37 per item.”
Bank · based in Memphis, TN · 1 branch here
Account not yet known
“Overdraft fee on checks, ACH debits | $35”
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
Largest banks by local bank deposits
Share of the $824 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Gaston County
Deposits and branches cover the City of Belmont. Population and income cover Gaston County, the county with most of Belmont'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 Gaston County.
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