33 banks and credit unions have branches in the Waterloo-Cedar Falls metro area. The Bank Fee Index holds published fees for 17 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Iowa
Waterloo-Cedar Falls metro counts institutions with a branch here, wherever headquartered. Iowa counts institutions headquartered in the state.
Waterloo-Cedar Falls metro
10 institutions with a branch here
$2
Iowa
33 institutions headquartered in Iowa
$1
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Waterloo-Cedar Falls metro median sits furthest from Iowa's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Waterloo-Cedar Falls 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 $40.
Median published overdraft fee
Waterloo-Cedar Falls metro
11 institutions with a branch here
$30
Iowa
73 institutions headquartered in Iowa
$30
U.S.
2,605 institutions in the index
$30
Waterloo-Cedar Falls 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.
33 institutions, 11 with a published overdraft fee.
Credit union, membership rules apply · based in Waterloo, IA · 10 branches here
Account not yet known
“Overdraft fee** | $20/item”
Credit union, membership rules apply · based in Moline, IL · 7 branches here
Account not yet known
“COURTESY PAY | $29/occurrence”
Bank · based in Waterloo, IA · 6 branches here
Bank · based in Waverly, IA · 5 branches here
Bank · based in Reinbeck, IA · 4 branches here
Bank · based in Cincinnati, OH · 4 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 Grundy Center, IA · 3 branches here
Bank · based in Cedar Rapids, IA · 3 branches here
Account not yet known
“Overdraft Fee* - each debit or check presentment paid (Consumer Accts: 5 max total OD or Returned Item fees daily) | $30.00”
Bank · based in Birmingham, AL · 3 branches here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Dubuque, IA · 3 branches here
Largest banks by local bank deposits
Share of the $4.7 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Waterloo-Cedar Falls metro's counties
Deposits and branches cover the Waterloo-Cedar Falls 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.
Work at a bank or credit union here?
Hamilton, the Fee Insight workspace, sets an institution's own fees beside every institution in this market, with the source for each figure.
Choosing an account?
Open any institution above to see all of its published fees and where each one came from.
Search institutions