9 banks and credit unions have branches in Kannapolis. The Bank Fee Index holds published fees for 8 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from North Carolina
Kannapolis counts institutions with a branch here, wherever headquartered. North Carolina counts institutions headquartered in the state.
Kannapolis
7 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 Kannapolis median sits furthest from North Carolina's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Kannapolis 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
Kannapolis
6 institutions with a branch here
$35.50
North Carolina
22 institutions headquartered in North Carolina
$29
U.S.
2,605 institutions in the index
$30
Kannapolis 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.
9 institutions, 6 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 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 Granite Quarry, NC · 1 branch here
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 Charlotte, NC · 1 branch here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Southern Pines, NC · 1 branch here
Account not yet known
“Overdraft Fee (OD)3 $36.00”
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 Charlotte, 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 $564 million 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 Kannapolis. Population and income cover Cabarrus County, the county with most of Kannapolis'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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