7 banks and credit unions have branches in Murphy. The Bank Fee Index holds published fees for 7 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from North Carolina
Murphy counts institutions with a branch here, wherever headquartered. North Carolina counts institutions headquartered in the state.
Murphy
6 institutions with a branch here
$6
North Carolina
35 institutions headquartered in North Carolina
$25
U.S.
2,857 institutions in the index
$30
Chosen as the fee whose Murphy median sits furthest from North Carolina's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Murphy 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 $19 to $36.
Median published overdraft fee
Murphy
5 institutions with a branch here
$36
North Carolina
22 institutions headquartered in North Carolina
$29
U.S.
2,605 institutions in the index
$30
Murphy 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.
7 institutions, 5 with a published overdraft fee.
Bank · based in Greenville, SC · 1 branch here
Account not yet known
“Overdraft (per item)1: $36.00”
Bank · based in Raleigh, NC · 1 branch here
Account not yet known
“| • Overdraft fee (item paid) … $25.00”
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 Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Franklin, NC · 1 branch here
Credit union, membership rules apply · based in Raleigh, NC · 1 branch here
Account not yet known
“Overdraft coverage through Courtesy Pay service3 | $19 per item paid”
Credit union, membership rules apply · based in Raleigh, NC · 1 branch here
Largest banks by local bank deposits
Share of the $644 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Cherokee County
Deposits and branches cover the City of Murphy. Population and income cover Cherokee County, the county with most of Murphy'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 Cherokee County.
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