5 banks and credit unions have branches in Raeford. The Bank Fee Index holds published fees for 5 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from North Carolina
Raeford counts institutions with a branch here, wherever headquartered. North Carolina counts institutions headquartered in the state.
Raeford
5 institutions with a branch here
$0.75
North Carolina
19 institutions headquartered in North Carolina
$1.50
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Raeford median sits furthest from North Carolina's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Raeford 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: $35–$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.
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 Fuquay Varina, NC · 1 branch here
Account not yet known
“Overdraft Fee: $35.00”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Pembroke, NC · 1 branch here
Account not yet known
“**Overdraft/Return Item Fee** $35.00”
Credit union, membership rules apply · based in Raleigh, NC · 1 branch here
Largest banks by local bank deposits
Share of the $179 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Hoke County
Deposits and branches cover the City of Raeford. Population and income cover Hoke County, the county with most of Raeford'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 Hoke County.
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