7 banks and credit unions have branches in Elkin. The Bank Fee Index holds published fees for 7 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from North Carolina
Elkin counts institutions with a branch here, wherever headquartered. North Carolina counts institutions headquartered in the state.
Elkin
6 institutions with a branch here
$10.98
North Carolina
23 institutions headquartered in North Carolina
$5
U.S.
1,903 institutions in the index
$7
Chosen as the fee whose Elkin median sits furthest from North Carolina's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Elkin 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 $32 to $38.
Median published overdraft fee
Elkin
5 institutions with a branch here
$35
North Carolina
22 institutions headquartered in North Carolina
$29
U.S.
2,605 institutions in the index
$30
Elkin 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.
7 institutions, 5 with a published overdraft fee.
Bank · based in Greenville, PA · 1 branch here
Account not yet known
“Overdrafts for checks, in-person withdrawals, automatic bill payments or other | $35.00 each”
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 Bluefield, VA · 1 branch here
Account not yet known
“If an overdraft is approved, you may be assessed our Paid Item fee of $38 for each item.”
Bank · based in The Woodlands, TX · 1 branch 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 Winston Salem, NC · 1 branch here
Credit union, membership rules apply · based in Raleigh, NC · 1 branch here
Largest banks by local bank deposits
Share of the $449 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Surry County
Deposits and branches cover the City of Elkin. Population and income cover Surry County, the county with most of Elkin'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 Surry County.
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