14 banks and credit unions have branches in Highlands Ranch. The Bank Fee Index holds published fees for 14 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Colorado
Highlands Ranch counts institutions with a branch here, wherever headquartered. Colorado counts institutions headquartered in the state.
Highlands Ranch
7 institutions with a branch here
$5
Colorado
40 institutions headquartered in Colorado
$10
U.S.
2,744 institutions in the index
$10
Chosen as the fee whose Highlands Ranch median sits furthest from Colorado's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Highlands Ranch with Colorado 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 $15 to $36.
Median published overdraft fee
Highlands Ranch
12 institutions with a branch here
$31
Colorado
52 institutions headquartered in Colorado
$30
U.S.
2,605 institutions in the index
$30
Highlands Ranch covers every institution with a branch here, wherever it is headquartered. Colorado covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
14 institutions, 12 with a published overdraft fee.
Bank · based in Wilmington, DE · 3 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Cleveland, OH · 3 branches here
Account not yet known
“$20.00 Overdraft Item (OD) Charge will apply to each item we pay when your end-of-day overdraft balance”
Credit union, membership rules apply · based in Colorado Springs, CO · 3 branches here
Account not yet known
“Courtesy Pay / $30.00”
Bank · based in Sioux Falls, SD · 2 branches here
Account not yet known
“Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we char”
Bank · based in Columbus, OH · 2 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Cincinnati, OH · 2 branches here
Account not yet known
“• U.S. Bank will charge an Overdraft Paid Fee of $36.00 for each overdraft item we pay on your behalf. Whether we”
Bank · based in Tulsa, OK · 1 branch here
Account not yet known
“Overdraft Fee - $36.00 per item1”
Bank · based in Chicago, IL · 1 branch here
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“Overdraft Fee | $15.00 Per overdraft item. No overdraft fees unless final account”
Credit union, membership rules apply · based in Colorado Springs, CO · 1 branch here
Account not yet known
“Premium Overdraft Service Fee | $32.00 per presentment*”
Largest banks by local bank deposits
Share of the $2.0 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Douglas County
Deposits and branches cover the City of Highlands Ranch. Population and income cover Douglas County, the county with most of Highlands Ranch'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 Douglas County.
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