45 banks and credit unions have branches in Raleigh. The Bank Fee Index holds published fees for 42 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from North Carolina
Raleigh counts institutions with a branch here, wherever headquartered. North Carolina counts institutions headquartered in the state.
Raleigh
31 institutions with a branch here
$8
North Carolina
23 institutions headquartered in North Carolina
$5
U.S.
1,901 institutions in the index
$7
Chosen as the fee whose Raleigh median sits furthest from North Carolina's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Raleigh 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 $5 to $37.
Median published overdraft fee
Raleigh
33 institutions with a branch here
$34
North Carolina
22 institutions headquartered in North Carolina
$29
U.S.
2,603 institutions in the index
$30
Raleigh 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.
45 institutions, 33 with a published overdraft fee.
Credit union, membership rules apply · based in Raleigh, NC · 30 branches here
Bank · based in Sioux Falls, SD · 17 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 Charlotte, NC · 12 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 Cincinnati, OH · 11 branches here
Account not yet known
“If Overdraft Coverage is used, the per item fee for each overdraft is $37 per item.”
Bank · based in Raleigh, NC · 10 branches here
Account not yet known
“| • Overdraft fee (item paid) … $25.00”
Bank · based in Wilmington, DE · 9 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Charlotte, NC · 9 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Columbus, OH · 7 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Credit union, membership rules apply · based in Raleigh, NC · 7 branches here
Account not yet known
“Courtesy Pay Plus5 | $25.00 / item; max of 2 per day 7”
Bank · based in Memphis, TN · 6 branches here
Account not yet known
“Overdraft fee on checks, ACH debits | $35”
Largest banks by local bank deposits
Share of the $93.7 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Wake County
Deposits and branches cover the City of Raleigh. Population and income cover Wake County, the county with most of Raleigh'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 Wake County.
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