US Bank Directory
Banks in Destin, FL
16 FDIC-insured banks operate 20 offices in Destin, Florida, and 1 credit union has 1 office.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Destin
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 17 banks and credit unions operate 21 locations in Destin, according to the FDIC and the NCUA. 21 of them have coordinates on record and are on the map. 6 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
21 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Destin
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 4 banks share the most locations in Destin, with 2 each. 12 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
FNBT BANK Bank · 2
FNBT BANK has 2 branches in Destin, 11 across Florida and 11 nationwide. FDIC records list its main office in Fort Walton Beach, FL and show it operating since 1956. With $628.5 million in total assets on June 30, 2026, it ranks No. 1,510 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Destin location is the Destin Branch at 415 Highway 98 E, dating to 1978; the newest, at 11490 Us Highway 98 W, to 1999. It does not publish hours in the sources this page uses; check its site before you go.
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Highway 98 West Branch11490 Us Highway 98 W, 32550
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Destin Branch415 Highway 98 E, 32541
Gulf Coast Bank Bank · 2
Gulf Coast Bank has 2 branches in Destin, 6 across Florida and 40 nationwide. FDIC records list its main office in New Orleans, LA and show it operating since 1990. With $3.86 billion in total assets on June 30, 2026, it ranks No. 345 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Destin location is the Gulf Coast Bank Mortgage Destin Loan Production Office at 12889 Emerald Coast Pkwy W, dating to 2010; the newest, at 4201 Indian Bayou Trl, to 2019. It does not publish hours in the sources this page uses; check its site before you go.
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Gulf Coast Bank Mortgage Destin Loan Production Office12889 Emerald Coast Pkwy W, 32550
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Gulf Coast Bank Mortgage Destin Lpo Branch4201 Indian Bayou Trl, 32541
Regions Bank Bank · 2
Regions Bank has 2 branches in Destin, 270 across Florida and 1,256 nationwide. FDIC records list its main office in Birmingham, AL and show it operating since 1928. With $159.79 billion in total assets on June 30, 2026, it ranks No. 27 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Destin location is the Destin Main Branch at 100 Main St, dating to 1976; the newest, at 34725 Emerald Coast Pkwy, to 2009. It does not publish hours in the sources this page uses; check its site before you go.
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Destin Main Branch100 Main St, 32541
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Kelly Plantation Branch34725 Emerald Coast Pkwy, 32541
Wells Fargo Bank · 2
Wells Fargo has 2 branches in Destin, 458 across Florida and 4,161 nationwide. FDIC records list its main office in Sioux Falls, SD and show it operating since 1870. With $1.91 trillion in total assets on June 30, 2026, it ranks No. 4 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Destin location is the Sandestin Branch at 9435 Us Highway 98 W, dating to 1984; the newest, at 34877 Emerald Coast Pkwy, to 1995. 1 of its 2 Destin locations with published hours open on Saturday.
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Destin West Branch34877 Emerald Coast Pkwy, 32541
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026
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Sandestin Branch9435 Us Highway 98 W, 32550
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026
Bank of America Bank · 1
Bank of America has 1 branch in Destin, 414 across Florida and 3,598 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1904. With $2.65 trillion in total assets on June 30, 2026, it ranks No. 2 of 4,232 U.S. banks by total assets. The Destin Branch at 1014 Highway 98 E dates to 1984 in FDIC branch records. Its published hours do not list Saturday.
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Destin Branch1014 Highway 98 E, 32541
All hours
Mon to Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
Centennial Bank Bank · 1
Centennial Bank has 1 branch in Destin, 88 across Florida and 243 nationwide. FDIC records list its main office in Conway, AR and show it operating since 1903. With $24.55 billion in total assets on June 30, 2026, it ranks No. 89 of 4,232 U.S. banks by total assets. The Destin Branch at 34855 Emerald Coast Pkwy dates to 2006 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Destin Branch34855 Emerald Coast Pkwy, 32541
Eglin Credit Union Credit union · 1
Eglin Credit Union has 1 office in Destin, 12 across Florida. It is based in Fort Walton Bea, FL and $3.09 billion in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Destin Branch180 Main St, 32541
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Hancock Whitney Bank · 1
Hancock Whitney has 1 branch in Destin, 38 across Florida and 186 nationwide. FDIC records list its main office in Gulfport, MS and show it operating since 1899. With $36.33 billion in total assets on June 30, 2026, it ranks No. 60 of 4,232 U.S. banks by total assets. The Destin Branch at 14075 Emerald Coast Pkwy dates to 1992 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Destin Branch14075 Emerald Coast Pkwy, 32541
Pinnacle Bank Bank · 1
Pinnacle Bank has 1 branch in Destin, 88 across Florida and 429 nationwide. FDIC records list its main office in Nashville, TN and show it operating since 2000. With $128.79 billion in total assets on June 30, 2026, it ranks No. 28 of 4,232 U.S. banks by total assets. The Destin Midbay Branch at 34910 Emerald Coast Pkwy dates to 1997 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Destin Midbay Branch34910 Emerald Coast Pkwy, 32541
PNC Bank Bank · 1
PNC Bank has 1 branch in Destin, 201 across Florida and 2,413 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1804. With $609.77 billion in total assets on June 30, 2026, it ranks No. 8 of 4,232 U.S. banks by total assets. The Destin Midbay Branch at 34905 Emerald Coast Pkwy dates to 1951 in FDIC branch records. Its published hours do not list Saturday.
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Destin Midbay Branch34905 Emerald Coast Pkwy, 32541
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat to Sun not published
Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026
Renasant Bank · 1
Renasant has 1 branch in Destin, 26 across Florida and 266 nationwide. FDIC records list its main office in Tupelo, MS and show it operating since 1904. With $26.99 billion in total assets on June 30, 2026, it ranks No. 80 of 4,232 U.S. banks by total assets. The Destin 98 Palms Blvd Branch at 2000 Ninety-Eight Palms Blvd. dates to 2006 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Destin 98 Palms Blvd Branch2000 Ninety-Eight Palms Blvd., 32541
River Bank & Trust Bank · 1
River Bank & Trust has 1 branch in Destin, 1 across Florida and 25 nationwide. FDIC records list its main office in Prattville, AL and show it operating since 2006. With $4.02 billion in total assets on June 30, 2026, it ranks No. 336 of 4,232 U.S. banks by total assets. The Destine Office Branch at 36150 Emerald Coast Pkwy dates to 2026 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Destine Office Branch36150 Emerald Coast Pkwy, 32541
SmartBank Bank · 1
SmartBank has 1 branch in Destin, 4 across Florida and 43 nationwide. FDIC records list its main office in Pigeon Forge, TN and show it operating since 2007. With $6.11 billion in total assets on June 30, 2026, it ranks No. 249 of 4,232 U.S. banks by total assets. The Destin Branch at 34990 Emerald Coast Pkwy dates to 2005 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Destin Branch34990 Emerald Coast Pkwy, 32541
Truist Bank · 1
Truist has 1 branch in Destin, 441 across Florida and 1,931 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1872. With $548.35 billion in total assets on June 30, 2026, it ranks No. 9 of 4,232 U.S. banks by total assets. The Emerald Coast Parkway Branch at 34901 Emerald Coast Pkwy dates to 2019 in FDIC branch records. Its published hours do not list Saturday.
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Emerald Coast Parkway Branch34901 Emerald Coast Pkwy, 32541
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun closed
Hours: Truist branch locator (All The Places), checked Oct 10, 2026
Trustmark Bank · 1
Trustmark has 1 branch in Destin, 16 across Florida and 181 nationwide. FDIC records list its main office in Jackson, MS and show it operating since 1889. With $19.19 billion in total assets on June 30, 2026, it ranks No. 109 of 4,232 U.S. banks by total assets. The West Destin Main Branch at 16045 Emerald Coast Pkwy dates to 1998 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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West Destin Main Branch16045 Emerald Coast Pkwy, 32541
United Community Bank · 1
United Community has 1 branch in Destin, 21 across Florida and 190 nationwide. FDIC records list its main office in Greenville, SC and show it operating since 1950. With $28.99 billion in total assets on June 30, 2026, it ranks No. 73 of 4,232 U.S. banks by total assets. The Destin Florida Branch at 35008 Emerald Coast Pkwy dates to 2016 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Destin Florida Branch35008 Emerald Coast Pkwy, 32541
United Fidelity Bank, fsb Bank · 1
United Fidelity Bank, fsb has 1 branch in Destin, 3 across Florida and 20 nationwide. FDIC records list its main office in Evansville, IN and show it operating since 1931. With $6.49 billion in total assets on June 30, 2026, it ranks No. 239 of 4,232 U.S. banks by total assets. The Destin Branch at 363 Old Highway 98 dates to 1989 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Destin Branch363 Old Highway 98, 32550
Join a credit union in Destin
1 credit union has 1 office here: Eglin Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Destin page has every office in the state's directory.
Banking in Destin: the local picture
Short answer: 16 banks run 20 branches in Destin according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 16 banks, 0 have their main office in Destin, 1 elsewhere in Florida and 15 out of state, according to the FDIC.
The bank with the longest record here is PNC Bank, operating since 1804 according to the FDIC. In FDIC branch records, the longest-running branch is PNC Bank's office at 34905 Emerald Coast Pkwy, dating to 1951; the newest is River Bank & Trust's at 36150 Emerald Coast Pkwy, from 2026.
The only credit union with an office here is Eglin Credit Union.
Of the 6 locations with published hours. 1 opens on Saturday. 15 locations have no published hours in these sources.
Banks by ZIP code in Destin
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 32541 has the most bank and credit union offices in Destin (17), followed by 32550 (4). Offices are spread across 2 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 32541 | 17 | 16 | Regions Bank, Bank of America, Centennial Bank |
| 32550 | 4 | 4 | FNBT BANK, Gulf Coast Bank, United Fidelity Bank, fsb |
Banks open on Saturday in Destin
Short answer: 1 of the 6 Destin locations with published hours opens on Saturday, run by 1 institution.
- Wells Fargo: 1 of 2 branches (34877 Emerald Coast Pkwy: Saturday 9 am to 2 pm)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 15 of the 21 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Destin, and where the nearest one is if they do not.
Short answer: In Destin: Wells Fargo (2), Bank of America (1), PNC Bank (1), Truist (1), Regions Bank (2). No branches in Destin: Chase (nearest in Tallahassee, 127 mi), U.S. Bank (nearest in Sarasota, 316 mi), Fifth Third Bank (nearest in Newberry, 241 mi), Huntington (nearest in Miramar Beach, 2 mi), TD Bank (nearest in Live Oak, 205 mi), BMO (nearest in Tampa, 293 mi).
| Bank | In Destin | Nearest branch if none here |
|---|---|---|
| Wells Fargo | 2 branches | here |
| Bank of America | 1 branch | here |
| PNC Bank | 1 branch | here |
| Truist | 1 branch | here |
| Regions Bank | 2 branches | here |
| Chase | None | Tallahassee, 127 miles away |
| U.S. Bank | None | Sarasota, 316 miles away |
| Fifth Third Bank | None | Newberry, 241 miles away |
| Huntington | None | Miramar Beach, 2 miles away |
| TD Bank | None | Live Oak, 205 miles away |
| BMO | None | Tampa, 293 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Destin to the nearest branch in Florida.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Destin residents like anyone else.
Banks near Destin
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Miramar Beach (4 miles) and Niceville (9 miles). Fort Walton Beach, 11 miles away, has the most banks nearby: 17.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Miramar Beach, FL | 4 mi | 5 | 5 |
| Banks in Niceville, FL | 9 mi | 11 | 12 |
| Banks in Shalimar, FL | 10 mi | 2 | 2 |
| Banks in Fort Walton Beach, FL | 11 mi | 17 | 18 |
| Banks in Mary Esther, FL | 14 mi | 3 | 3 |
| Banks in Santa Rosa Beach, FL | 16 mi | 11 | 15 |
| Banks in Freeport, FL | 19 mi | 4 | 4 |
| Banks in Navarre, FL | 26 mi | 5 | 5 |
Bank branch openings and closings in Destin
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show 1 branch opening in Destin between September 5, 2025 and September 5, 2026.
| Date | Change | Bank | Address |
|---|---|---|---|
| Apr 29, 2026 | Opened | River Bank & Trust | 36150 Emerald Coast Pkwy, 32541 |
Effective dates as recorded in FDIC BankFind branch history. Closings and relocations are not tracked by the sources this page uses yet. Credit union offices are not included; the NCUA does not publish opening dates.
Largest banks in Destin by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Destin offices.
Short answer: Bank of America is the largest bank with offices in Destin, with $2.65 trillion in total assets on June 30, 2026, No. 2 among U.S. banks by total assets. Wells Fargo is second with $1.91 trillion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Bank of America | $2.65 trillion | No. 2 | 1 | Charlotte, NC |
| Wells Fargo | $1.91 trillion | No. 4 | 2 | Sioux Falls, SD |
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| Truist | $548.35 billion | No. 9 | 1 | Charlotte, NC |
| Regions Bank | $159.79 billion | No. 27 | 2 | Birmingham, AL |
| Pinnacle Bank | $128.79 billion | No. 28 | 1 | Nashville, TN |
| Hancock Whitney | $36.33 billion | No. 60 | 1 | Gulfport, MS |
| United Community | $28.99 billion | No. 73 | 1 | Greenville, SC |
| Renasant | $26.99 billion | No. 80 | 1 | Tupelo, MS |
| Centennial Bank | $24.55 billion | No. 89 | 1 | Conway, AR |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Destin: FAQ
How many banks are in Destin, FL?
Destin has 16 banks with 20 branches and 1 credit union with 1 office, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Destin?
Wells Fargo, with 2. Regions Bank has 2 and Gulf Coast Bank has 2.
Is there a Wells Fargo in Destin, FL?
Yes. FDIC data lists 2 Wells Fargo branches in Destin as of September 5, 2026. Its branches are listed under Wells Fargo above, with the address and directions for each.
Is there a Regions Bank in Destin, FL?
Yes. FDIC data lists 2 Regions Bank branches in Destin as of September 5, 2026. Its branches are listed under Regions Bank above, with the address and directions for each.
Is there a Gulf Coast Bank in Destin, FL?
Yes. FDIC data lists 2 Gulf Coast Bank branches in Destin as of September 5, 2026. Its branches are listed under Gulf Coast Bank above, with the address and directions for each.
Is there a Chase in Destin, FL?
No. FDIC data lists no Chase branch in Destin as of September 5, 2026. The nearest is in Tallahassee, about 127 miles away in a straight line.
Which banks in Destin are open on Saturday?
Wells Fargo publishes Saturday hours for one or more Destin locations. The Saturday section above lists each one with its hours. 15 of the 21 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Destin?
PNC Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1804.
Which credit unions can I join in Destin?
Eglin Credit Union has an office in Destin. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Destin in the past year?
FDIC branch records show 1 branch opening between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Destin?
Nearby cities with more banks include Miramar Beach, Niceville, Shalimar. Miramar Beach is 4 miles away with 5 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 1 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Bank branch hours, phones and branch pages (5 of 20 branches: Bank of America, PNC Bank, Truist, Wells Fargo) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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