38 banks and credit unions have branches in the Springfield metro area. The Bank Fee Index holds published fees for 21 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Illinois
Springfield metro counts institutions with a branch here, wherever headquartered. Illinois counts institutions headquartered in the state.
Springfield metro
8 institutions with a branch here
$2
Illinois
51 institutions headquartered in Illinois
$3
U.S.
1,230 institutions in the index
$3
Chosen as the fee whose Springfield metro median sits furthest from Illinois's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Springfield 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 $25 to $36.
Median published overdraft fee
Springfield metro
15 institutions with a branch here
$32
Illinois
104 institutions headquartered in Illinois
$30
U.S.
2,605 institutions in the index
$30
Springfield 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.
38 institutions, 15 with a published overdraft fee.
Bank · based in Chatham, IL · 15 branches here
Bank · based in Springfield, IL · 8 branches here
Account not yet known
“UCF OOPS! Paid Item Fee* | $30.00 per item”
Bank · based in Morton, IL · 6 branches here
Account not yet known
“Overdraft Paid Item Fee | $35.00 per item paid*”
Bank · based in Springfield, IL · 5 branches here
Bank · based in Wilmington, DE · 5 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Petersburg, IL · 5 branches here
Account not yet known
“Overdraft - all overdrafts paid on a day............................................................................................................................................”
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 Springfield, IL · 4 branches here
Bank · based in Bloomington, IL · 3 branches here
Bank · based in Springfield, IL · 3 branches here
Largest banks by local bank deposits
Share of the $9.8 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Springfield metro's counties
Deposits and branches cover the Springfield 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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