4 banks and credit unions have branches in Mount Ayr. The Bank Fee Index holds published fees for 4 of them.
The count includes institutions based elsewhere that have a branch here.
Medians for reference: Iowa $30 · U.S. $30
Local median not shown; five institutions required.
Pick a fee to compare Mount Ayr with Iowa and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
4 institutions, 4 with a published overdraft fee.
Bank · based in Cincinnati, OH · 1 branch 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 Norwalk, IA · 1 branch here
Account not yet known
“Overdraft charge of $27 per item imposed for overdrafts created by checks, in-person withdrawals, ACH, Point-of-Sale, ATM withdrawals, or by other electronic means”
Bank · based in Billings, MT · 1 branch 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 Clarinda, IA · 1 branch here
Account not yet known
“Overdraft Paid Item Fee* | $29.00”
Largest banks by local bank deposits
Share of the $141 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Ringgold County
Deposits and branches cover the City of Mount Ayr. Population and income cover Ringgold County, the county with most of Mount Ayr'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 Ringgold County.
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