9 banks and credit unions have branches in Lenoir. 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
Lenoir counts institutions with a branch here, wherever headquartered. North Carolina counts institutions headquartered in the state.
Lenoir
6 institutions with a branch here
$9.98
North Carolina
23 institutions headquartered in North Carolina
$5
U.S.
1,903 institutions in the index
$7
Chosen as the fee whose Lenoir median sits furthest from North Carolina's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Lenoir 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 $25 to $36.
Median published overdraft fee
Lenoir
6 institutions with a branch here
$33.50
North Carolina
22 institutions headquartered in North Carolina
$29
U.S.
2,605 institutions in the index
$30
Lenoir 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 Memphis, TN · 2 branches here
Account not yet known
“Overdraft fee on checks, ACH debits | $35”
Bank · based in Raleigh, NC · 1 branch here
Account not yet known
“| • Overdraft fee (item paid) … $25.00”
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 Independence, VA · 1 branch here
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
Credit union, membership rules apply · based in Candler, NC · 1 branch here
Account not yet known
“So as not to exceed your limit, please note that the amount of the overdraft plus the credit union’s Courtesy Pay Fee of $25.00 per item will be deducted from the overdraft limit.”
Largest banks by local bank deposits
Share of the $695 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 Lenoir. Population and income cover Caldwell County, the county with most of Lenoir'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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