5 banks and credit unions have branches in Ponderay. The Bank Fee Index holds published fees for 5 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Idaho
Ponderay counts institutions with a branch here, wherever headquartered. Idaho counts institutions headquartered in the state.
Ponderay
5 institutions with a branch here
$30
Idaho
14 institutions headquartered in Idaho
$25
U.S.
3,350 institutions in the index
$27.50
Chosen as the fee whose Ponderay median sits furthest from Idaho's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Ponderay with Idaho and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Four published overdraft fees: $25–$30.
Medians for reference: Idaho $28.50 · U.S. $30
Local median not shown; five institutions required.
5 institutions, 4 with a published overdraft fee.
Bank · based in Kalispell, MT · 1 branch here
Account not yet known
“Overdraft Fee.......................................................................................................................................................................”
Bank · based in Roseburg, OR · 1 branch here
Credit union, membership rules apply · based in Spokane Valley, WA · 1 branch here
Account not yet known
“Overdraft*/Courtesy Pay: | $30.00 each”
Credit union, membership rules apply · based in Lewiston, ID · 1 branch here
Account not yet known
“Courtesy Pay Fee (Item Paid) | $25.00”
Credit union, membership rules apply · based in Liberty Lake, WA · 1 branch here
Account not yet known
“Overdraft fee (Privilege pay) | $29”
Largest banks by local bank deposits
Share of the $151 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Bonner County
Deposits and branches cover the City of Ponderay. Population and income cover Bonner County, the county with most of Ponderay'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 Bonner County.
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