81 banks and credit unions have branches in the Charlotte-Concord-Gastonia metro area. The Bank Fee Index holds published fees for 54 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from South Carolina
Charlotte-Concord-Gastonia metro counts institutions with a branch here, wherever headquartered. South Carolina counts institutions headquartered in the state.
Charlotte-Concord-Gastonia metro
30 institutions with a branch here
$11
South Carolina
30 institutions headquartered in South Carolina
$31
U.S.
2,858 institutions in the index
$30
Chosen as the fee whose Charlotte-Concord-Gastonia metro median sits furthest from South Carolina's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Charlotte-Concord-Gastonia metro with South 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
Charlotte-Concord-Gastonia metro
42 institutions with a branch here
$34.50
South Carolina
28 institutions headquartered in South Carolina
$32
U.S.
2,605 institutions in the index
$30
Charlotte-Concord-Gastonia metro covers every institution with a branch here, wherever it is headquartered. South Carolina covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
81 institutions, 42 with a published overdraft fee.
Bank · based in Charlotte, NC · 66 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 Sioux Falls, SD · 66 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 Cincinnati, OH · 49 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 Charlotte, NC · 48 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Raleigh, NC · 34 branches here
Account not yet known
“| • Overdraft fee (item paid) … $25.00”
Credit union, membership rules apply · based in Raleigh, NC · 34 branches here
Bank · based in Columbus, OH · 30 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in The Woodlands, TX · 23 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 Lancaster, SC · 23 branches here
Account not yet known
“Overdraft transactions greater than $3.00 will be charged $32.00 per transaction.”
Bank · based in Winter Haven, FL · 19 branches here
Account not yet known
“| Overdraft Paid Item Fee (Checks paid in numerical order on day received. An overdraft item may be created by check/draft, in-person withdrawal, ACH item or other electronic means”
Largest banks by local bank deposits
Share of the $432.7 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Charlotte-Concord-Gastonia metro's counties
Deposits and branches cover the Charlotte-Concord-Gastonia 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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