6 banks and credit unions have branches in Granite Falls. The Bank Fee Index holds published fees for 5 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from North Carolina
Granite Falls counts institutions with a branch here, wherever headquartered. North Carolina counts institutions headquartered in the state.
Granite Falls
5 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 Granite Falls median sits furthest from North Carolina's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Granite Falls 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.
Four published overdraft fees: $25–$36.
Medians for reference: North Carolina $29 · U.S. $30
Local median not shown; five institutions required.
6 institutions, 4 with a published overdraft fee.
Bank · based in Raleigh, NC · 1 branch here
Account not yet known
“| • Overdraft fee (item paid) … $25.00”
Bank · based in Memphis, TN · 1 branch here
Account not yet known
“Overdraft fee on checks, ACH debits | $35”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per 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 Hickory, 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 $166 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Caldwell County
Deposits and branches cover the City of Granite Falls. Population and income cover Caldwell County, the county with most of Granite Falls'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 Caldwell County.
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