7 banks and credit unions have branches in Sandpoint. The Bank Fee Index holds published fees for 7 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Idaho
Sandpoint counts institutions with a branch here, wherever headquartered. Idaho counts institutions headquartered in the state.
Sandpoint
5 institutions with a branch here
$9
Idaho
9 institutions headquartered in Idaho
$7
U.S.
1,904 institutions in the index
$6.99
Chosen as the fee whose Sandpoint median sits furthest from Idaho's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Sandpoint with Idaho 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 $15 to $36.
Median published overdraft fee
Sandpoint
6 institutions with a branch here
$30
Idaho
12 institutions headquartered in Idaho
$28.50
U.S.
2,605 institutions in the index
$30
Sandpoint covers every institution with a branch here, wherever it is headquartered. Idaho covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
7 institutions, 6 with a published overdraft fee.
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 Roseburg, OR · 1 branch here
Bank · based in Kalispell, MT · 1 branch here
Account not yet known
“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 Spokane, WA · 1 branch here
Account not yet known
“Paid Overdraft Fee $15”
Bank · based in Seattle, WA · 1 branch here
Account not yet known
“Insufficient Funds Charge (Paid) | $30 Per Presentment§”
Credit union, membership rules apply · based in Spokane Valley, WA · 1 branch here
Account not yet known
“Insufficient funds and Courtesy Pay fee … $29.00 each”
Largest banks by local bank deposits
Share of the $724 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 Sandpoint. Population and income cover Bonner County, the county with most of Sandpoint'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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