13 banks and credit unions have branches in Concord. The Bank Fee Index holds published fees for 11 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from North Carolina
Concord counts institutions with a branch here, wherever headquartered. North Carolina counts institutions headquartered in the state.
Concord
6 institutions with a branch here
$0
North Carolina
35 institutions headquartered in North Carolina
$25
U.S.
2,857 institutions in the index
$30
Chosen as the fee whose Concord median sits furthest from North Carolina's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Concord 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
Concord
9 institutions with a branch here
$34
North Carolina
22 institutions headquartered in North Carolina
$29
U.S.
2,605 institutions in the index
$30
Concord 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, 9 with a published overdraft fee.
Bank · based in Charlotte, NC · 3 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 Sioux Falls, SD · 2 branches 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 Cincinnati, OH · 2 branches here
Account not yet known
“If Overdraft Coverage is used, the per item fee for each overdraft is $37 per item.”
Bank · based in Charlotte, NC · 2 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Raleigh, NC · 2 branches here
Account not yet known
“| • Overdraft fee (item paid) … $25.00”
Bank · based in The Woodlands, TX · 2 branches here
Account not yet known
“One (1) $32 overdraft (OD) item fee is charged for each item that is paid.”
Credit union, membership rules apply · based in Raleigh, NC · 2 branches here
Bank · based in Albemarle, NC · 1 branch here
Bank · based in Nashville, TN · 1 branch here
Account not yet known
“Paid Item Fee | $30.00 per item”
Bank · based in Granite Quarry, NC · 1 branch here
Largest banks by local bank deposits
Share of the $2.4 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Cabarrus County
Deposits and branches cover the City of Concord. Population and income cover Cabarrus County, the county with most of Concord'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 Cabarrus County.
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