US Bank Directory
Banks in Palm Harbor, FL
10 FDIC-insured banks operate 18 offices in Palm Harbor, 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: Palm Harbor
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: 12 banks and credit unions operate 21 locations in Palm Harbor, according to the FDIC and the NCUA. 21 of them have coordinates on record and are on the map. 14 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 Palm Harbor
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Chase has the most locations in Palm Harbor, with 4. It is followed by Truist (3), Wells Fargo (2), Fifth Third Bank (2). 5 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.
Chase Bank · 4
Chase has 4 branches in Palm Harbor, 434 across Florida and 5,176 nationwide. FDIC records list its main office in Columbus, OH and show it operating since 1824. With $4.09 trillion in total assets on June 30, 2026, it ranks No. 1 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Palm Harbor location is the Bot Ranch Branch at 600 E Lake Rd, dating to 2009; the newest, at 4890 Ridgemoor Blvd, to 2017. 1 of its 2 Palm Harbor locations with published hours open on Saturday.
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Alderman And Alternate 19 Branch2800 Alternate 19, 34683
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Curlew And Us 19 Banking Center Branch30500 Us Highway 19 N, 34684
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Chase branch locator (All The Places), checked Oct 10, 2026
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Ridgemoor Boulevard And East Lake Road Branch4890 Ridgemoor Blvd, 34685
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Bot Ranch Branch600 E Lake Rd, 34685
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: Chase branch locator (All The Places), checked Oct 10, 2026
Truist Bank · 3
Truist has 3 branches in Palm Harbor, 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. In FDIC branch records, its longest-running Palm Harbor location is the East Lake Woodlands Branch at 3500 E Lake Rd, dating to 1983; the newest, at 36105 E Lake Rd, to 1996. None of its 3 Palm Harbor locations with published hours lists Saturday hours.
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Palm Harbor Branch33075 Us Highway 19 N, 34684
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat to Sun closed
Hours: Truist branch locator (All The Places), checked Oct 10, 2026
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East Lake Woodlands Branch3500 E Lake Rd, 34685
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
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Lansbrook Branch36105 E Lake Rd, 34685
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat to Sun closed
Hours: Truist branch locator (All The Places), checked Oct 10, 2026
Achieva Credit Union Credit union · 2
Achieva Credit Union has 2 officees in Palm Harbor, 29 across Florida. It is based in Dunedin, FL and $3.15 billion in assets on March 31, 2026, according to its NCUA call report. All 2 of its Palm Harbor locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Palm Harbor33715 Us Highway 19 N, 34684
All hours
Mon to Tue 9 am to 5 pm; Wed 10 am to 5 pm; 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
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Eastlake Rd3446 E Lake Rd, 34685
All hours
Mon to Tue 9 am to 5 pm; Wed 10 am to 5 pm; 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
Fifth Third Bank Bank · 2
Fifth Third Bank has 2 branches in Palm Harbor, 218 across Florida and 1,508 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1865. With $299.18 billion in total assets on June 30, 2026, it ranks No. 14 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Palm Harbor location is the Palm Harbor Branch at 1027 Nebraska Ave, dating to 1971; the newest, at 1100 E Lake Rd, to 1995. All 2 of its Palm Harbor locations with published hours open on Saturday.
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Palm Harbor Branch1027 Nebraska Ave, 34683
All hours
Mon closed; Tue to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun closed
Hours: Fifth Third Bank branch locator (All The Places), checked Oct 10, 2026
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Palm Harbor Branch1100 E Lake Rd, 34685
All hours
Mon closed; Tue to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun closed
Hours: Fifth Third Bank branch locator (All The Places), checked Oct 10, 2026
Regions Bank Bank · 2
Regions Bank has 2 branches in Palm Harbor, 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 Palm Harbor location is the Palm Harbor Branch at 33805 Us Highway 19 N, dating to 1981; the newest, at 2755 U.S. 19 Alt, to 2007. It does not publish hours in the sources this page uses; check its site before you go.
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Alternate 19 Branch2755 U.S. 19 Alt, 34683
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Palm Harbor Branch33805 Us Highway 19 N, 34684
Wells Fargo Bank · 2
Wells Fargo has 2 branches in Palm Harbor, 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 Palm Harbor location is the Palm Harbor Branch at 33277 Us Highway 19 N, dating to 1994; the newest, at 100 E Lake Rd, to 2002. 1 of its 2 Palm Harbor locations with published hours open on Saturday.
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Boot Ranch Branch100 E Lake Rd, 34685
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
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Palm Harbor Branch33277 Us Highway 19 N, 34684
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
Bank of America Bank · 1
Bank of America has 1 branch in Palm Harbor, 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 Palm Harbor Branch at 33451 Us Highway 19 N dates to 1974 in FDIC branch records. It opens on Saturday.
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Palm Harbor Branch33451 Us Highway 19 N, 34684
All hours
Mon closed; Tue to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
Huntington Bank · 1
Huntington has 1 branch in Palm Harbor, 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 Palm Harbor Office at 36301 Us Highway 19 N 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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Palm Harbor Office36301 Us Highway 19 N, 34684
Pinellas Credit Union Credit union · 1
Pinellas Credit Union has 1 office in Palm Harbor, 3 across Florida. It is based in Largo, FL and $172.5 million 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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North County30645 Us Highway 19 N Unit 11, 34684
All hours
Mon to Fri 8 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Pinnacle Bank Bank · 1
Pinnacle Bank has 1 branch in Palm Harbor, 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 Palm Harbor Branch at 32845 Us Highway 19 N dates to 1987 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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Palm Harbor Branch32845 Us Highway 19 N, 34684
PNC Bank Bank · 1
PNC Bank has 1 branch in Palm Harbor, 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 Palm Harbor Branch at 32491 Us Highway 19 N dates to 2007 in FDIC branch records. Its published hours do not list Saturday.
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Palm Harbor Branch32491 Us Highway 19 N, 34684
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
SouthState Bank · 1
SouthState has 1 branch in Palm Harbor, 100 across Florida and 374 nationwide. FDIC records list its main office in Winter Haven, FL and show it operating since 1992. With $68.79 billion in total assets on June 30, 2026, it ranks No. 41 of 4,232 U.S. banks by total assets. The Palm Harbor Branch at 35320 Us Highway 19 N dates to 2011 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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Palm Harbor Branch35320 Us Highway 19 N, 34684
Join a credit union in Palm Harbor
2 credit unions have 3 offices here: Achieva Credit Union and Pinellas 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 Palm Harbor page has every office in the state's directory.
Banking in Palm Harbor: the local picture
Short answer: 10 banks run 18 branches in Palm Harbor 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 10 banks, 0 have their main office in Palm Harbor, 1 elsewhere in Florida and 9 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 Fifth Third Bank's office at 1027 Nebraska Ave, dating to 1971; the newest is Chase's at 4890 Ridgemoor Blvd, from 2017.
2 credit unions have 3 offices in Palm Harbor, according to the NCUA. Who can join each one is on the credit unions page.
Of the 14 locations with published hours. 7 open on Saturday. 7 locations have no published hours in these sources.
Banks by ZIP code in Palm Harbor
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 34684 has the most bank and credit union offices in Palm Harbor (11), followed by 34685 (7) and 34683 (3). Offices are spread across 3 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 34684 | 11 | 11 | Achieva Credit Union, Bank of America, Chase |
| 34685 | 7 | 5 | Chase, Truist, Achieva Credit Union |
| 34683 | 3 | 3 | Chase, Fifth Third Bank, Regions Bank |
Banks and credit unions open on Saturday in Palm Harbor
Short answer: 7 of the 14 Palm Harbor locations with published hours open on Saturday, run by 5 institutions.
- Chase: 1 of 4 branches (30500 Us Highway 19 N: Saturday 9 am to 2 pm)
- Wells Fargo: 1 of 2 branches (33277 Us Highway 19 N: Saturday 9 am to 2 pm)
- Fifth Third Bank: 2 of 2 branches (1027 Nebraska Ave: Saturday 9 am to 12 pm, and 1 more)
- Bank of America: 1 of 1 branch (33451 Us Highway 19 N: Saturday 9 am to 2 pm)
- Achieva Credit Union: 2 of 2 offices (33715 Us Highway 19 N: Saturday 9 am to 1 pm, and 1 more)
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; 7 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 Palm Harbor, and where the nearest one is if they do not.
Short answer: In Palm Harbor: Chase (4), Wells Fargo (2), Bank of America (1), PNC Bank (1), Truist (3), Fifth Third Bank (2), Huntington (1), Regions Bank (2). No branches in Palm Harbor: U.S. Bank (nearest in Sarasota, 53 mi), TD Bank (nearest in Clearwater, 3 mi), BMO (nearest in Tampa, 19 mi).
| Bank | In Palm Harbor | Nearest branch if none here |
|---|---|---|
| Chase | 4 branches | here |
| Wells Fargo | 2 branches | here |
| Bank of America | 1 branch | here |
| PNC Bank | 1 branch | here |
| Truist | 3 branches | here |
| Fifth Third Bank | 2 branches | here |
| Huntington | 1 branch | here |
| Regions Bank | 2 branches | here |
| U.S. Bank | None | Sarasota, 53 miles away |
| TD Bank | None | Clearwater, 3 miles away |
| BMO | None | Tampa, 19 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Palm Harbor 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 Palm Harbor residents like anyone else.
Banks near Palm Harbor
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Dunedin (4 miles) and Oldsmar (5 miles). Clearwater, 7 miles away, has the most banks nearby: 23.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Dunedin, FL | 4 mi | 5 | 8 |
| Banks in Oldsmar, FL | 5 mi | 6 | 6 |
| Banks in Tarpon Springs, FL | 5 mi | 11 | 11 |
| Banks in Clearwater, FL | 7 mi | 23 | 59 |
| Banks in Holiday, FL | 8 mi | 2 | 2 |
| Banks in Trinity, FL | 9 mi | 7 | 7 |
| Banks in New Port Richey, FL | 11 mi | 9 | 16 |
| Banks in Odessa, FL | 12 mi | 3 | 3 |
Bank branch openings and closings in Palm Harbor
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Palm Harbor between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Palm Harbor by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Palm Harbor offices.
Short answer: Chase is the largest bank with offices in Palm Harbor, with $4.09 trillion in total assets on June 30, 2026, No. 1 among U.S. banks by total assets. Bank of America is second with $2.65 trillion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Chase | $4.09 trillion | No. 1 | 4 | Columbus, OH |
| 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 | 3 | Charlotte, NC |
| Fifth Third Bank | $299.18 billion | No. 14 | 2 | Cincinnati, OH |
| Huntington | $283.07 billion | No. 15 | 1 | Columbus, OH |
| Regions Bank | $159.79 billion | No. 27 | 2 | Birmingham, AL |
| Pinnacle Bank | $128.79 billion | No. 28 | 1 | Nashville, TN |
| SouthState | $68.79 billion | No. 41 | 1 | Winter Haven, FL |
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 Palm Harbor: FAQ
How many banks are in Palm Harbor, FL?
Palm Harbor has 10 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 Palm Harbor?
Chase, with 4. Truist has 3 and Wells Fargo has 2.
Is there a Chase in Palm Harbor, FL?
Yes. FDIC data lists 4 Chase branches in Palm Harbor as of September 5, 2026. Its branches are listed under Chase above, with the address and directions for each.
Is there a Truist in Palm Harbor, FL?
Yes. FDIC data lists 3 Truist branches in Palm Harbor as of September 5, 2026. Its branches are listed under Truist above, with the address and directions for each.
Is there a Wells Fargo in Palm Harbor, FL?
Yes. FDIC data lists 2 Wells Fargo branches in Palm Harbor as of September 5, 2026. Its branches are listed under Wells Fargo above, with the address and directions for each.
Is there a U.S. Bank in Palm Harbor, FL?
No. FDIC data lists no U.S. Bank branch in Palm Harbor as of September 5, 2026. The nearest is in Sarasota, about 53 miles away in a straight line.
Which banks in Palm Harbor are open on Saturday?
Chase, Wells Fargo, Fifth Third Bank and Bank of America and 1 more publish Saturday hours for one or more Palm Harbor locations. The Saturday section above lists each one with its hours. 7 of the 21 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Palm Harbor?
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 Palm Harbor?
Achieva Credit Union and Pinellas Credit Union have offices in Palm Harbor. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Palm Harbor 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 Palm Harbor?
Nearby cities with more banks include Dunedin, Oldsmar, Tarpon Springs. Dunedin 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 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 (11 of 18 branches: Bank of America, Chase, Fifth Third Bank, 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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