34 banks and credit unions have branches in the Winston-Salem metro area. The Bank Fee Index holds published fees for 29 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from North Carolina
Winston-Salem metro counts institutions with a branch here, wherever headquartered. North Carolina counts institutions headquartered in the state.
Winston-Salem metro
21 institutions with a branch here
$9.95
North Carolina
23 institutions headquartered in North Carolina
$5
U.S.
1,902 institutions in the index
$7
Chosen as the fee whose Winston-Salem metro median sits furthest from North Carolina's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Winston-Salem 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 $36.
Median published overdraft fee
Winston-Salem metro
21 institutions with a branch here
$35
North Carolina
22 institutions headquartered in North Carolina
$29
U.S.
2,605 institutions in the index
$30
Winston-Salem 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.
34 institutions, 21 with a published overdraft fee.
Bank · based in Charlotte, NC · 19 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.”
Credit union, membership rules apply · based in Winston Salem, NC · 19 branches here
Bank · based in Sioux Falls, SD · 16 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 · 15 branches here
Account not yet known
“Overdrafts for checks, in-person withdrawals, automatic bill payments or other | $35.00 each”
Bank · based in Memphis, TN · 14 branches here
Account not yet known
“Overdraft fee on checks, ACH debits | $35”
Credit union, membership rules apply · based in Raleigh, NC · 14 branches here
Bank · based in Raleigh, NC · 9 branches here
Account not yet known
“| • Overdraft fee (item paid) … $25.00”
Bank · based in The Woodlands, TX · 7 branches 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 · 7 branches here
Account not yet known
“Balance Backup* and Balance Backup+** overdraft protection | $29.00/transaction (limit of six service charges per day)3”
Bank · based in Nashville, TN · 6 branches here
Account not yet known
“Paid Item Fee | $30.00 per item”
Largest banks by local bank deposits
Share of the $15.5 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Winston-Salem metro's counties
Deposits and branches cover the Winston-Salem 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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