32 banks and credit unions have branches in the Wilmington metro area. The Bank Fee Index holds published fees for 26 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from North Carolina
Wilmington metro counts institutions with a branch here, wherever headquartered. North Carolina counts institutions headquartered in the state.
Wilmington metro
12 institutions with a branch here
$6
North Carolina
35 institutions headquartered in North Carolina
$25
U.S.
2,858 institutions in the index
$30
Chosen as the fee whose Wilmington metro median sits furthest from North Carolina's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Wilmington metro 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 $38.
Median published overdraft fee
Wilmington metro
21 institutions with a branch here
$35
North Carolina
22 institutions headquartered in North Carolina
$29
U.S.
2,601 institutions in the index
$30
Wilmington metro 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.
32 institutions, 21 with a published overdraft fee.
Bank · based in Charlotte, NC · 15 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 Raleigh, NC · 12 branches here
Account not yet known
“| • Overdraft fee (item paid) … $25.00”
Credit union, membership rules apply · based in Raleigh, NC · 11 branches here
Bank · based in Southern Pines, NC · 9 branches here
Account not yet known
“Overdraft Fee (OD)3 $36.00”
Bank · based in Sioux Falls, SD · 8 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 Greenville, PA · 7 branches here
Account not yet known
“Overdrafts for checks, in-person withdrawals, automatic bill payments or other | $35.00 each”
Bank · based in Fairfax, VA · 7 branches here
Account not yet known
“Overdrafts Overdrafts fee (per item) … $36”
Bank · based in Charlotte, NC · 6 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Credit union, membership rules apply · based in Corning, NY · 6 branches here
Account not yet known
“Overdraft Fee (Also known as Enhanced ODP Fee) $32.00”
Bank · based in Wilmington, DE · 5 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Largest banks by local bank deposits
Share of the $27.7 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Wilmington metro's counties
Deposits and branches cover the Wilmington metro. Population and income cover the metro's counties. 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
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for the metro's counties.
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