8 banks and credit unions have branches in Rocky Mount. 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 Virginia
Rocky Mount counts institutions with a branch here, wherever headquartered. Virginia counts institutions headquartered in the state.
Rocky Mount
5 institutions with a branch here
$10
Virginia
36 institutions headquartered in Virginia
$7.99
U.S.
1,902 institutions in the index
$7
Chosen as the fee whose Rocky Mount median sits furthest from Virginia's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Rocky Mount with Virginia 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 $35 to $36.
Median published overdraft fee
Rocky Mount
5 institutions with a branch here
$35
Virginia
60 institutions headquartered in Virginia
$30
U.S.
2,601 institutions in the index
$30
Rocky Mount covers every institution with a branch here, wherever it is headquartered. Virginia 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 Richmond City, VA · 2 branches here
Credit union, membership rules apply · based in Martinsville, VA · 2 branches here
Account not yet known
if a transaction overdrawn by $10.01 or more**+
“Overdraft Privilege | $35 each if a transaction overdrawn by $10.01 or more**+”
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 Martinsville, VA · 1 branch here
Bank · based in Memphis, TN · 1 branch here
Account not yet known
“Overdraft fee on checks, ACH debits | $35”
Bank · based in Buchanan, VA · 1 branch here
Account not yet known
“Overdraft/Returned Item Fee | $35.00 for the first three (3) items”
Credit union, membership rules apply · based in Reidsville, NC · 1 branch here
Credit union, membership rules apply · based in Richmond, VA · 1 branch here
Account not yet known
“Each additional item is ............................................................................................................................................................”
Largest banks by local bank deposits
Share of the $595 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Franklin County
Deposits and branches cover the City of Rocky Mount. Population and income cover Franklin County, the county with most of Rocky Mount'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 Franklin County.
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