12 banks and credit unions have branches in Athens. The Bank Fee Index holds published fees for 8 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Tennessee
Athens counts institutions with a branch here, wherever headquartered. Tennessee counts institutions headquartered in the state.
Athens
7 institutions with a branch here
$7.95
Tennessee
50 institutions headquartered in Tennessee
$6
U.S.
1,903 institutions in the index
$7
Chosen as the fee whose Athens median sits furthest from Tennessee's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Athens with Tennessee 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 $9 to $36.
Median published overdraft fee
Athens
7 institutions with a branch here
$29
Tennessee
69 institutions headquartered in Tennessee
$32
U.S.
2,605 institutions in the index
$30
Athens covers every institution with a branch here, wherever it is headquartered. Tennessee covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
12 institutions, 7 with a published overdraft fee.
Bank · based in Evansville, IN · 2 branches here
Credit union, membership rules apply · based in Calhoun, TN · 2 branches here
Account not yet known
“Courtesy Pay | $29.00 / Item”
Bank · based in Farragut, TN · 1 branch here
Bank · based in Pine Bluff, AR · 1 branch here
Account not yet known
“(including a second or subsequent request for payment), we may charge a Paid Item/Overdraft Fee of $36.00 per occurrence. However,”
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 Birmingham, AL · 1 branch here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Madisonville, TN · 1 branch here
Bank · based in Sevierville, TN · 1 branch here
Bank · based in Lawton, OK · 1 branch here
Account not yet known
“Each overdrawn item paid or returned will be subject to the Bank’s current overdraft fee of $20.00 or return item fee of $20.00, as applicable, and the fees will be included in the”
Credit union, membership rules apply · based in Athens, TN · 1 branch here
Largest banks by local bank deposits
Share of the $1.1 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: McMinn County
Deposits and branches cover the City of Athens. Population and income cover McMinn County, the county with most of Athens'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 McMinn County.
Work at a bank or credit union here?
Hamilton, the Fee Insight workspace, sets an institution's own fees beside every institution in this market, with the source for each figure.
Choosing an account?
Open any institution above to see all of its published fees and where each one came from.
Search institutions