11 banks and credit unions have branches in Columbia. The Bank Fee Index holds published fees for 8 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Illinois
Columbia counts institutions with a branch here, wherever headquartered. Illinois counts institutions headquartered in the state.
Columbia
7 institutions with a branch here
$35
Illinois
104 institutions headquartered in Illinois
$30
U.S.
2,605 institutions in the index
$30
Chosen as the fee whose Columbia median sits furthest from Illinois's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Columbia 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 $27 to $36.
Median published overdraft fee
Columbia
7 institutions with a branch here
$35
Illinois
104 institutions headquartered in Illinois
$30
U.S.
2,605 institutions in the index
$30
Columbia 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.
11 institutions, 7 with a published overdraft fee.
Bank · based in Birmingham, AL · 1 branch here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Waterloo, IL · 1 branch here
Bank · based in Collinsville, IL · 1 branch here
Bank · based in Green Bay, WI · 1 branch here
Account not yet known
“Overdraft—check or debit paid … $32 per item”
Bank · based in Kansas City, MO · 1 branch here
Account not yet known
“Overdraft/Insuffcient Funds2 | $36”
Bank · based in Effingham, IL · 1 branch here
Account not yet known
“Allowable Overdraft Fee5 (each presentment) | $30.00”
Bank · based in Waterloo, IL · 1 branch here
Account not yet known
“Overdraft/Nonsufficient Funds Fees Overdraft (each overdraft paid) $ 35.00”
Bank · based in Effingham, IL · 1 branch here
Bank · based in Jefferson City, MO · 1 branch here
Account not yet known
“Overdrafts created by check, in-person withdrawal, ATM withdrawal, debit card, pre-authorized debits, or other electronic means)* $35.00”
Credit union, membership rules apply · based in Peoria, IL · 1 branch here
Largest banks by local bank deposits
Share of the $604 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Monroe County
Deposits and branches cover the City of Columbia. Population and income cover Monroe County, the county with most of Columbia'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 Monroe County.
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