279 banks and credit unions have branches in the Chicago-Naperville-Elgin metro area. The Bank Fee Index holds published fees for 141 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Illinois
Chicago-Naperville-Elgin metro counts institutions with a branch here, wherever headquartered. Illinois counts institutions headquartered in the state.
Chicago-Naperville-Elgin metro
60 institutions with a branch here
$1.50
Illinois
59 institutions headquartered in Illinois
$1.25
U.S.
1,651 institutions in the index
$1.50
Chosen as the fee whose Chicago-Naperville-Elgin metro median sits furthest from Illinois's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Chicago-Naperville-Elgin metro with Illinois 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 $0 to $40.
Median published overdraft fee
Chicago-Naperville-Elgin metro
85 institutions with a branch here
$30
Illinois
104 institutions headquartered in Illinois
$30
U.S.
2,605 institutions in the index
$30
Chicago-Naperville-Elgin metro covers every institution with a branch here, wherever it is headquartered. Illinois covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
279 institutions, 85 with a published overdraft fee.
Bank · based in Columbus, OH · 265 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Chicago, IL · 184 branches here
Bank · based in Cincinnati, OH · 169 branches here
Account not yet known
“If Overdraft Coverage is used, the per item fee for each overdraft is $37 per item.”
Bank · based in Columbus, OH · 126 branches here
Account not yet known
“Overdraft Fee | $15.00 Per overdraft item. No overdraft fees unless final account”
Bank · based in Charlotte, NC · 119 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Wilmington, DE · 119 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Cincinnati, OH · 114 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 Evansville, IN · 89 branches here
Bank · based in Sioux Falls, SD · 57 branches here
Bank · based in Aurora, IL · 56 branches here
Largest banks by local bank deposits
Share of the $630.7 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Chicago-Naperville-Elgin metro's counties
Deposits and branches cover the Chicago-Naperville-Elgin 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.
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