8 banks and credit unions have branches in Union City. The Bank Fee Index holds published fees for 5 of them.
The count includes institutions based elsewhere that have a branch here.
Compared with Tennessee
Where a fee has enough institutions for a local median, the Union City median is within 10% of the Tennessee median on all 1 fee.
Union City counts institutions with a branch here, wherever headquartered. Tennessee counts institutions headquartered in the state.
Pick a fee to compare Union City 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 $28 to $36.
Median published overdraft fee
Union City
5 institutions with a branch here
$35
Tennessee
69 institutions headquartered in Tennessee
$32
U.S.
2,605 institutions in the index
$30
Union City 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.
8 institutions, 5 with a published overdraft fee.
Bank · based in Paris, TN · 2 branches here
Bank · based in Pine Bluff, AR · 2 branches 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 Paris, TN · 1 branch here
Account not yet known
“Overdraft Charges $32.00 per item”
Bank · based in Newark, OH · 1 branch here
Account not yet known
“You still pay a fee of $35 per item for overdrawing your account, but your transaction will go through, and you’ll avoid the merchant’s fee”
Bank · based in Memphis, TN · 1 branch here
Bank · based in Birmingham, AL · 1 branch here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Hickman, KY · 1 branch here
Credit union, membership rules apply · based in Jackson, TN · 1 branch here
Account not yet known
“Miscellaneous: Courtesy Pay* $28.00 per item”
Largest banks by local bank deposits
Share of the $786 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Obion County
Deposits and branches cover the City of Union City. Population and income cover Obion County, the county with most of Union City'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 Obion County.
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