13 banks and credit unions have branches in Oak Ridge. The Bank Fee Index holds published fees for 11 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Tennessee
Oak Ridge counts institutions with a branch here, wherever headquartered. Tennessee counts institutions headquartered in the state.
Oak Ridge
6 institutions with a branch here
$2
Tennessee
34 institutions headquartered in Tennessee
$1
U.S.
1,651 institutions in the index
$1.50
Chosen as the fee whose Oak Ridge median sits furthest from Tennessee's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Oak Ridge 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 $36.
Median published overdraft fee
Oak Ridge
11 institutions with a branch here
$32
Tennessee
69 institutions headquartered in Tennessee
$32
U.S.
2,604 institutions in the index
$30
Oak Ridge 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.
13 institutions, 11 with a published overdraft fee.
Credit union, membership rules apply · based in Oak Ridge, TN · 4 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 Oak Ridge, TN · 2 branches here
Account not yet known
“Overdraft Fee** | $35.00”
Bank · based in Nashville, TN · 1 branch here
Account not yet known
“Paid Item Fee | $30.00 per item”
Bank · based in Birmingham, AL · 1 branch here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Charlotte, NC · 1 branch here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
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 Knoxville, TN · 1 branch here
Account not yet known
“Overdraft (Insufficient Funds / NSF) created by check, | $32 per paid item”
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
Credit union, membership rules apply · based in Oak Ridge, TN · 1 branch here
Account not yet known
“Courtesy Overdraft ltem … $30.00 per item”
Credit union, membership rules apply · based in Knoxville, TN · 1 branch here
Largest banks by local bank deposits
Share of the $865 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Anderson County
Deposits and branches cover the City of Oak Ridge. Population and income cover Anderson County, the county with most of Oak Ridge'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 Anderson County.
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