31 banks and credit unions have branches in the Ames metro area. The Bank Fee Index holds published fees for 20 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Iowa
Ames metro counts institutions with a branch here, wherever headquartered. Iowa counts institutions headquartered in the state.
Ames metro
8 institutions with a branch here
$2.25
Iowa
33 institutions headquartered in Iowa
$1
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Ames metro median sits furthest from Iowa's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Ames 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
Ames metro
15 institutions with a branch here
$28
Iowa
73 institutions headquartered in Iowa
$30
U.S.
2,605 institutions in the index
$30
Ames 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.
31 institutions, 15 with a published overdraft fee.
Bank · based in Ames, IA · 7 branches here
Bank · based in Slater, IA · 4 branches here
Credit union, membership rules apply · based in Ames, IA · 4 branches here
Account not yet known
“Privileged Courtesy Pay/Paid item fee $25 each item”
Bank · based in Ames, IA · 3 branches here
Account not yet known
“Tier 1-First Overdraft/returned item (year-to-date .................................................................................................................................”
Bank · based in Cincinnati, OH · 3 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 Billings, MT · 3 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”
Credit union, membership rules apply · based in Marshalltown, IA · 3 branches here
Account not yet known
“00/item Courtesy Pay $25”
Bank · based in Carroll, IA · 2 branches here
Bank · based in Boone, IA · 2 branches here
Account not yet known
“Paid Overdraft Fee (Per Presentment) $30.00”
Bank · based in Chicago, IL · 2 branches here
Largest banks by local bank deposits
Share of the $3.8 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Ames metro's counties
Deposits and branches cover the Ames 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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