US Bank Directory
Banks in Fort Walton Beach, FL
17 FDIC-insured banks operate 18 offices in Fort Walton Beach, Florida, and 2 credit unions have 3 offices.
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: Fort Walton Beach
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: 19 banks and credit unions operate 21 locations in Fort Walton Beach, according to the FDIC and the NCUA. 21 of them have coordinates on record and are on the map. 7 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 Fort Walton Beach
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: FNBT BANK has the most locations in Fort Walton Beach, with 2. The other 16 each 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.
Eglin Credit Union Credit union · 2
Eglin Credit Union has 2 officees in Fort Walton Beach, 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. None of its 2 Fort Walton Beach locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Main Office main office838 Eglin Pkwy Ne, 32547
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Operations Center340 Beal Pkwy N, 32548
All hours
Mon to Fri 8:30 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
FNBT BANK Bank · 2
FNBT BANK has 2 branches in Fort Walton Beach, 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. Its main office at 29 Eglin Pkwy Ne dates to 1956 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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Main Office main office29 Eglin Pkwy Ne, 32548
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Fort Walton Main Branch29 Eglin Pkwy Ne, 32548
Bank of America Bank · 1
Bank of America has 1 branch in Fort Walton Beach, 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 Fort Walton Beach Branch at 189 Eglin Pkwy Ne dates to 1913 in FDIC branch records. Its published hours do not list Saturday.
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Fort Walton Beach Branch189 Eglin Pkwy Ne, 32548
All hours
Mon to Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
Bank of England Bank · 1
Bank of England has 1 branch in Fort Walton Beach, 11 across Florida and 151 nationwide. FDIC records list its main office in England, AR and show it operating since 1898. With $332.3 million in total assets on June 30, 2026, it ranks No. 2,339 of 4,232 U.S. banks by total assets. The Bank Of England Mortgage at 348 Miracle Strip Pwky., Suite 37 dates to 2018 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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Bank Of England Mortgage348 Miracle Strip Pwky., Suite 37, 32548
Community Bank of Mississippi Bank · 1
Community Bank of Mississippi has 1 branch in Fort Walton Beach, 6 across Florida and 57 nationwide. FDIC records list its main office in Flowood, MS and show it operating since 1905. With $5.09 billion in total assets on June 30, 2026, it ranks No. 288 of 4,232 U.S. banks by total assets. The Fort Walton Beach Branch at 448 Eglin Pkwy Ne dates to 2019 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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Fort Walton Beach Branch448 Eglin Pkwy Ne, 32547
Gulf Coast Bank Bank · 1
Gulf Coast Bank has 1 branch in Fort Walton Beach, 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. The Gulf Coast Bank Mortgage Fort Walton Beach Loan Production Office at 348 Miracle Strip Pkwy Sw dates to 2012 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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Gulf Coast Bank Mortgage Fort Walton Beach Loan Production Office348 Miracle Strip Pkwy Sw, 32548
Hancock Whitney Bank · 1
Hancock Whitney has 1 branch in Fort Walton Beach, 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 Fort Walton Business Financial Center at 94 Eglin Pkwy Ne dates to 2015 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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Fort Walton Business Financial Center94 Eglin Pkwy Ne, 32548
Huntington Bank · 1
Huntington has 1 branch in Fort Walton Beach, 21 across Florida and 1,477 nationwide. FDIC records list its main office in Columbus, OH and show it operating since 1866. With $283.07 billion in total assets on June 30, 2026, it ranks No. 15 of 4,232 U.S. banks by total assets. The Fort Walton Beach Branch at 32 Beal Pkwy Nw 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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Fort Walton Beach Branch32 Beal Pkwy Nw, 32548
MidSouth Bank Bank · 1
MidSouth Bank has 1 branch in Fort Walton Beach, 6 across Florida and 14 nationwide. FDIC records list its main office in Dothan, AL and show it operating since 1912. With $771.5 million in total assets on June 30, 2026, it ranks No. 1,298 of 4,232 U.S. banks by total assets. The Fort Walton Beach Branch at 768 Beal Pkwy N dates to 2014 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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Fort Walton Beach Branch768 Beal Pkwy N, 32547
Okaloosa County Teachers Credit Union Credit union · 1
Okaloosa County Teachers Credit Union has 1 office in Fort Walton Beach, 5 across Florida. It is based in Crestview, FL and $133.6 million in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Okaloosa County Teachers Fcu11 Racetrack Rd Ne Unit I, 32547
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 5:30 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Origin Bank Bank · 1
Origin Bank has 1 branch in Fort Walton Beach, 1 across Florida and 59 nationwide. FDIC records list its main office in Choudrant, LA and show it operating since 1912. With $10.18 billion in total assets on June 30, 2026, it ranks No. 160 of 4,232 U.S. banks by total assets. The Fort Walton Beach Banking Center Branch at 212 Racetrack Road Nw dates to 2025 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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Fort Walton Beach Banking Center Branch212 Racetrack Road Nw, 32547
Pinnacle Bank Bank · 1
Pinnacle Bank has 1 branch in Fort Walton Beach, 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 Fort Walton Beach Branch at 71 Beal Pkwy Ne dates to 1988 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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Fort Walton Beach Branch71 Beal Pkwy Ne, 32548
PNC Bank Bank · 1
PNC Bank has 1 branch in Fort Walton Beach, 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 Racetrack Branch at 101 Racetrack Rd Nw dates to 1985 in FDIC branch records. It opens on Saturday.
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Racetrack Branch101 Racetrack Rd Nw, 32547
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026
Regions Bank Bank · 1
Regions Bank has 1 branch in Fort Walton Beach, 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. The Ft Walton Main Branch at 25 Beal Pkwy Ne dates to 1991 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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Ft Walton Main Branch25 Beal Pkwy Ne, 32548
Renasant Bank · 1
Renasant has 1 branch in Fort Walton Beach, 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 Fort Walton Branch at 17 Eglin Pkwy Se dates to 2022 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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Fort Walton Branch17 Eglin Pkwy Se, 32548
ServisFirst Bank Bank · 1
ServisFirst Bank has 1 branch in Fort Walton Beach, 9 across Florida and 33 nationwide. FDIC records list its main office in Birmingham, AL and show it operating since 2005. With $18.34 billion in total assets on June 30, 2026, it ranks No. 111 of 4,232 U.S. banks by total assets. The Ft Walton Beach Branch at 316 Racetrack Rd Ne dates to 2020 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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Ft Walton Beach Branch316 Racetrack Rd Ne, 32547
Truist Bank · 1
Truist has 1 branch in Fort Walton Beach, 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 Fort Walton Beach Branch at 99 Racetrack Rd Nw dates to 1994 in FDIC branch records. Its published hours do not list Saturday.
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Fort Walton Beach Branch99 Racetrack Rd Nw, 32547
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
United Fidelity Bank, fsb Bank · 1
United Fidelity Bank, fsb has 1 branch in Fort Walton Beach, 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 Fort Walton Branch at 135 Perry Ave Se dates to 2020 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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Fort Walton Branch135 Perry Ave Se, 32548
Wells Fargo Bank · 1
Wells Fargo has 1 branch in Fort Walton Beach, 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. The Fort Walton Beach Branch at 91 Racetrack Rd Nw dates to 1995 in FDIC branch records. Its published hours do not list Saturday.
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Fort Walton Beach Branch91 Racetrack Rd Nw, 32547
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
Join a credit union in Fort Walton Beach
2 credit unions have 3 offices here: Eglin Credit Union and Okaloosa County Teachers 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 Fort Walton Beach page has every office in the state's directory.
Banking in Fort Walton Beach: the local picture
Short answer: 17 banks run 18 branches in Fort Walton Beach 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 17 banks, 1 has its main office in Fort Walton Beach and 16 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 Bank of America's office at 189 Eglin Pkwy Ne, dating to 1913; the newest is Origin Bank's at 212 Racetrack Road Nw, from 2025.
2 credit unions have 3 offices in Fort Walton Beach, according to the NCUA. Who can join each one is on the credit unions page.
Of the 7 locations with published hours. 2 open on Saturday. 14 locations have no published hours in these sources.
Banks by ZIP code in Fort Walton Beach
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 32548 has the most bank and credit union offices in Fort Walton Beach (12), followed by 32547 (9). Offices are spread across 2 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 32548 | 12 | 11 | FNBT BANK, Bank of America, Bank of England |
| 32547 | 9 | 9 | Community Bank of Mississippi, Eglin Credit Union, MidSouth Bank |
Banks and credit unions open on Saturday in Fort Walton Beach
Short answer: 2 of the 7 Fort Walton Beach locations with published hours open on Saturday, run by 2 institutions.
- PNC Bank: 1 of 1 branch (101 Racetrack Rd Nw: Saturday 9 am to 1 pm)
- Okaloosa County Teachers Credit Union: 1 of 1 office (11 Racetrack Rd Ne Unit I: Saturday 9 am to 1 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; 14 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 Fort Walton Beach, and where the nearest one is if they do not.
Short answer: In Fort Walton Beach: Wells Fargo (1), Bank of America (1), PNC Bank (1), Truist (1), Huntington (1), Regions Bank (1). No branches in Fort Walton Beach: Chase (nearest in Tallahassee, 138 mi), U.S. Bank (nearest in Sarasota, 326 mi), Fifth Third Bank (nearest in Newberry, 252 mi), TD Bank (nearest in Live Oak, 217 mi), BMO (nearest in Tampa, 304 mi).
| Bank | In Fort Walton Beach | Nearest branch if none here |
|---|---|---|
| Wells Fargo | 1 branch | here |
| Bank of America | 1 branch | here |
| PNC Bank | 1 branch | here |
| Truist | 1 branch | here |
| Huntington | 1 branch | here |
| Regions Bank | 1 branch | here |
| Chase | None | Tallahassee, 138 miles away |
| U.S. Bank | None | Sarasota, 326 miles away |
| Fifth Third Bank | None | Newberry, 252 miles away |
| TD Bank | None | Live Oak, 217 miles away |
| BMO | None | Tampa, 304 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Fort Walton Beach 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 Fort Walton Beach residents like anyone else.
Banks near Fort Walton Beach
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Shalimar (2 miles) and Mary Esther (3 miles). Destin, 11 miles away, has the most banks nearby: 16.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Shalimar, FL | 2 mi | 2 | 2 |
| Banks in Mary Esther, FL | 3 mi | 3 | 3 |
| Banks in Niceville, FL | 11 mi | 11 | 12 |
| Banks in Destin, FL | 11 mi | 16 | 20 |
| Banks in Navarre, FL | 15 mi | 5 | 5 |
| Banks in Miramar Beach, FL | 16 mi | 5 | 5 |
| Banks in Crestview, FL | 24 mi | 8 | 8 |
| Banks in Santa Rosa Beach, FL | 27 mi | 11 | 15 |
Bank branch openings and closings in Fort Walton Beach
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Fort Walton Beach between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Fort Walton Beach
Short answer: 1 institution has its main office in Fort Walton Beach: FNBT BANK.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| FNBT BANK | Bank | $628.5 million | 2 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Fort Walton Beach by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Fort Walton Beach offices.
Short answer: Bank of America is the largest bank with offices in Fort Walton Beach, 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. 1 of the 17 bank is headquartered here. 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 | 1 | Sioux Falls, SD |
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| Truist | $548.35 billion | No. 9 | 1 | Charlotte, NC |
| Huntington | $283.07 billion | No. 15 | 1 | Columbus, OH |
| Regions Bank | $159.79 billion | No. 27 | 1 | Birmingham, AL |
| Pinnacle Bank | $128.79 billion | No. 28 | 1 | Nashville, TN |
| Hancock Whitney | $36.33 billion | No. 60 | 1 | Gulfport, MS |
| Renasant | $26.99 billion | No. 80 | 1 | Tupelo, MS |
| ServisFirst Bank | $18.34 billion | No. 111 | 1 | Birmingham, AL |
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 Fort Walton Beach: FAQ
How many banks are in Fort Walton Beach, FL?
Fort Walton Beach has 17 banks with 18 branches and 2 credit unions with 3 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Fort Walton Beach?
FNBT BANK, with 2. Bank of America has 1 and Wells Fargo has 1.
Is there a FNBT BANK in Fort Walton Beach, FL?
Yes. FDIC data lists 2 FNBT BANK branches in Fort Walton Beach as of September 5, 2026, the main office at 29 Eglin Pkwy Ne. Its branches are listed under FNBT BANK above, with the address and directions for each.
Is there a Bank of America in Fort Walton Beach, FL?
Yes. FDIC data lists 1 Bank of America branch in Fort Walton Beach as of September 5, 2026. The address and directions are under Bank of America above.
Is there a Wells Fargo in Fort Walton Beach, FL?
Yes. FDIC data lists 1 Wells Fargo branch in Fort Walton Beach as of September 5, 2026. The address and directions are under Wells Fargo above.
Is there a Chase in Fort Walton Beach, FL?
No. FDIC data lists no Chase branch in Fort Walton Beach as of September 5, 2026. The nearest is in Tallahassee, about 138 miles away in a straight line.
Which banks in Fort Walton Beach are open on Saturday?
PNC Bank and Okaloosa County Teachers Credit Union publish Saturday hours for one or more Fort Walton Beach locations. The Saturday section above lists each one with its hours. 14 of the 21 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Fort Walton Beach?
FNBT BANK has its main office in Fort Walton Beach, according to the FDIC.
What is the oldest bank in Fort Walton Beach?
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 Fort Walton Beach?
Eglin Credit Union and Okaloosa County Teachers Credit Union have offices in Fort Walton Beach. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Fort Walton Beach in the past year?
FDIC branch records show no branch openings 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 Fort Walton Beach?
Nearby cities with more banks include Shalimar, Mary Esther, Niceville. Shalimar is 2 miles away with 2 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 3 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 (4 of 18 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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