5 banks and credit unions have branches in Kings Mountain. The Bank Fee Index holds published fees for 5 of them.
The count includes institutions based elsewhere that have a branch here.
Compared with North Carolina
Where a fee has enough institutions for a local median, the Kings Mountain median is within 10% of the North Carolina median on all 1 fee.
Kings Mountain counts institutions with a branch here, wherever headquartered. North Carolina counts institutions headquartered in the state.
Pick a fee to compare Kings Mountain 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: $29–$36.
Medians for reference: North Carolina $29 · U.S. $30
Local median not shown; five institutions required.
5 institutions, 4 with a published overdraft fee.
Credit union, membership rules apply · based in Raleigh, NC · 2 branches 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 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 Harrogate, TN · 1 branch here
Account not yet known
“overdraft/NSF: $35 (for each NSF item created by check, in person, ATM or electronic withdrawal);”
Credit union, membership rules apply · based in Charlotte, NC · 1 branch here
Account not yet known
“Courtesy Pay | $29.00/Item (Max 5 per day)”
Largest banks by local bank deposits
Share of the $250 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Cleveland County
Deposits and branches cover the City of Kings Mountain. Population and income cover Cleveland County, the county with most of Kings Mountain'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 Cleveland County.
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