34 banks and credit unions have branches in West Des Moines. The Bank Fee Index holds published fees for 26 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Iowa
West Des Moines counts institutions with a branch here, wherever headquartered. Iowa counts institutions headquartered in the state.
West Des Moines
13 institutions with a branch here
$2
Iowa
33 institutions headquartered in Iowa
$1
U.S.
1,648 institutions in the index
$1.50
Chosen as the fee whose West Des Moines median sits furthest from Iowa's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare West Des Moines 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
West Des Moines
23 institutions with a branch here
$29.95
Iowa
73 institutions headquartered in Iowa
$30
U.S.
2,603 institutions in the index
$30
West Des Moines 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.
34 institutions, 23 with a published overdraft fee.
Bank · based in Ames, IA · 3 branches here
Account not yet known
“Tier 1-First Overdraft/returned item (year-to-date .................................................................................................................................”
Bank · based in West Des Moines, IA · 2 branches here
Account not yet known
“Overdraft Fee (per item) | $35.00”
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 West Des Moines, IA · 2 branches here
Account not yet known
“• Overdraft Fee: $35.00 per item**”
Bank · based in West Des Moines, IA · 2 branches here
Account not yet known
“Overdraft Item Paid (“OD ITEM PAID FEE”) … $27.00/item/presentment*”
Bank · based in Green Bay, WI · 2 branches here
Account not yet known
“Overdraft Fees-(Paid NSF ltem(s) Fee) $35.00”
Bank · based in Columbus, OH · 2 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Credit union, membership rules apply · based in Waterloo, IA · 2 branches here
Account not yet known
“Overdraft fee** | $20/item”
Bank · based in Sioux Falls, SD · 1 branch 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 Spencer, IA · 1 branch here
Account not yet known
“Overdraft (Debit or Check Paid) … $28.00* per item paid”
Largest banks by local bank deposits
Share of the $5.2 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Dallas County
Deposits and branches cover the City of West Des Moines. Population and income cover Dallas County, the county with most of West Des Moines'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 Dallas County.
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