66 banks and credit unions have branches in the Knoxville metro area. The Bank Fee Index holds published fees for 37 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Tennessee
Knoxville metro counts institutions with a branch here, wherever headquartered. Tennessee counts institutions headquartered in the state.
Knoxville metro
26 institutions with a branch here
$8
Tennessee
50 institutions headquartered in Tennessee
$6
U.S.
1,904 institutions in the index
$7
Chosen as the fee whose Knoxville metro median sits furthest from Tennessee's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Knoxville metro 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 $10 to $37.
Median published overdraft fee
Knoxville metro
31 institutions with a branch here
$34
Tennessee
69 institutions headquartered in Tennessee
$32
U.S.
2,605 institutions in the index
$30
Knoxville metro 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.
66 institutions, 31 with a published overdraft fee.
Bank · based in Birmingham, AL · 25 branches here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Credit union, membership rules apply · based in Oak Ridge, TN · 24 branches here
Account not yet known
“The following rates and fees are applicable to your account(s), services, and/or transactions, as of 10-01-26 Check Copy $5.00 per item Overdraft Fee $25.00 per occurrence Deposite”
Bank · based in Memphis, TN · 23 branches here
Account not yet known
“Overdraft fee on checks, ACH debits | $35”
Bank · based in Knoxville, TN · 19 branches here
Account not yet known
“Overdraft (Insufficient Funds / NSF) created by check, | $32 per paid item”
Bank · based in Charlotte, NC · 17 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.”
Credit union, membership rules apply · based in Knoxville, TN · 16 branches here
Account not yet known
“Courtesy Pay $32.00/item. Payment made at Credit Union's”
Credit union, membership rules apply · based in Oak Ridge, TN · 16 branches here
Account not yet known
“Courtesy Pay fee | $32.00 each”
Credit union, membership rules apply · based in Knoxville, TN · 9 branches here
Bank · based in Cincinnati, OH · 8 branches here
Account not yet known
“• U.S. Bank will charge an Overdraft Paid Fee of $36.00 for each overdraft item we pay on your behalf. Whether we”
Credit union, membership rules apply · based in Oak Ridge, TN · 8 branches here
Account not yet known
“Courtesy Overdraft ltem … $30.00 per item”
Largest banks by local bank deposits
Share of the $26.6 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Knoxville metro's counties
Deposits and branches cover the Knoxville 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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