8 banks and credit unions have branches in Surfside Beach. 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 South Carolina
Surfside Beach counts institutions with a branch here, wherever headquartered. South Carolina counts institutions headquartered in the state.
Surfside Beach
6 institutions with a branch here
$2.50
South Carolina
21 institutions headquartered in South Carolina
$1.50
U.S.
1,651 institutions in the index
$1.50
Chosen as the fee whose Surfside Beach median sits furthest from South Carolina's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Surfside Beach 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 $10 to $36.
Median published overdraft fee
Surfside Beach
6 institutions with a branch here
$35
South Carolina
28 institutions headquartered in South Carolina
$32
U.S.
2,605 institutions in the index
$30
Surfside Beach 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.
8 institutions, 6 with a published overdraft fee.
Bank · based in Sioux Falls, SD · 1 branch 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 Conway, SC · 1 branch here
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 Charlotte, NC · 1 branch here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Winter Haven, FL · 1 branch 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”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“$35 fee per overdraft”
Bank · based in Camden, SC · 1 branch here
Credit union, membership rules apply · based in Myrtle Beach, SC · 1 branch here
Account not yet known
“Non-Sufficient Funds (NSF)/Courtesy Pay - overdraft by any means | $32.00”
Largest banks by local bank deposits
Share of the $851 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Horry County
Deposits and branches cover the City of Surfside Beach. Population and income cover Horry County, the county with most of Surfside Beach'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 Horry County.
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