83 banks and credit unions have branches in the Des Moines-West Des Moines metro area. The Bank Fee Index holds published fees for 50 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Iowa
Des Moines-West Des Moines metro counts institutions with a branch here, wherever headquartered. Iowa counts institutions headquartered in the state.
Des Moines-West Des Moines metro
24 institutions with a branch here
$2
Iowa
33 institutions headquartered in Iowa
$1
U.S.
1,650 institutions in the index
$1.50
Chosen as the fee whose Des Moines-West Des Moines metro median sits furthest from Iowa's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Des Moines-West Des Moines metro with Iowa 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 $10 to $36.
Median published overdraft fee
Des Moines-West Des Moines metro
38 institutions with a branch here
$29.98
Iowa
73 institutions headquartered in Iowa
$30
U.S.
2,601 institutions in the index
$30
Des Moines-West Des Moines metro covers every institution with a branch here, wherever it is headquartered. Iowa covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
83 institutions, 38 with a published overdraft fee.
Bank · based in Sioux Falls, SD · 14 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 Cincinnati, OH · 13 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 Des Moines, IA · 12 branches here
Bank · based in Billings, MT · 11 branches here
Account not yet known
“Standard overdraft fees of $10 apply each time an overdraft is paid (up to 3 per day for Orange Checking accounts and up to 4 per day for Basic Checking, Select Checking, and Premi”
Bank · based in Ankeny, IA · 10 branches here
Bank · based in Chicago, IL · 9 branches here
Bank · based in West Des Moines, IA · 9 branches here
Account not yet known
“Overdraft Fee: $25.00 per return/ $75.00 maximum per day”
Credit union, membership rules apply · based in Johnston, IA · 9 branches here
Credit union, membership rules apply · based in Waterloo, IA · 9 branches here
Account not yet known
“Overdraft fee** | $20/item”
Bank · based in Columbus, OH · 8 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Largest banks by local bank deposits
Share of the $38.0 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Des Moines-West Des Moines metro's counties
Deposits and branches cover the Des Moines-West Des Moines metro. Population and income cover the metro's counties. 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
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for the metro's counties.
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