8 banks and credit unions have branches in Dixon. The Bank Fee Index holds published fees for 5 of them.
The count includes institutions based elsewhere that have a branch here.
Compared with Illinois
Where a fee has enough institutions for a local median, the Dixon median is within 10% of the Illinois median on all 2 fees.
Dixon counts institutions with a branch here, wherever headquartered. Illinois counts institutions headquartered in the state.
Pick a fee to compare Dixon 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
Dixon
5 institutions with a branch here
$30
Illinois
104 institutions headquartered in Illinois
$30
U.S.
2,605 institutions in the index
$30
Dixon 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.
8 institutions, 5 with a published overdraft fee.
Bank · based in Sterling, IL · 2 branches here
Account not yet known
“| • Paid NSF Charge ______________$30.00/item”
Bank · based in Sterling, IL · 2 branches here
Account not yet known
“Overdraft Per Item Fee – $27.00”
Bank · based in Amboy, IL · 2 branches here
Bank · based in Effingham, IL · 1 branch here
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 Rock Falls, IL · 1 branch here
Bank · based in The Woodlands, TX · 1 branch here
Account not yet known
“One (1) $32 overdraft (OD) item fee is charged for each item that is paid.”
Credit union, membership rules apply · based in Ottawa, IL · 1 branch here
Account not yet known
“COP (Courtesy Pay) ** per item | $25.00”
Largest banks by local bank deposits
Share of the $662 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Lee County
Deposits and branches cover the City of Dixon. Population and income cover Lee County, the county with most of Dixon'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 Lee County.
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