16 banks and credit unions have branches in Elgin. The Bank Fee Index holds published fees for 11 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Illinois
Elgin counts institutions with a branch here, wherever headquartered. Illinois counts institutions headquartered in the state.
Elgin
8 institutions with a branch here
$2.75
Illinois
59 institutions headquartered in Illinois
$1.25
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Elgin median sits furthest from Illinois's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Elgin 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 $10 to $37.
Median published overdraft fee
Elgin
9 institutions with a branch here
$34
Illinois
104 institutions headquartered in Illinois
$30
U.S.
2,605 institutions in the index
$30
Elgin 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.
16 institutions, 9 with a published overdraft fee.
Credit union, membership rules apply · based in lake Forest, IL · 4 branches here
Bank · based in Columbus, OH · 3 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Saint Charles, IL · 3 branches here
Bank · based in Wilmington, DE · 3 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Cincinnati, OH · 2 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 Green Bay, WI · 2 branches here
Account not yet known
“Overdraft—check or debit paid … $32 per item”
Bank · based in Chicago, IL · 2 branches here
Credit union, membership rules apply · based in Elgin, IL · 2 branches here
Bank · based in Elgin, IL · 1 branch here
Bank · based in Dallas, TX · 1 branch here
Account not yet known
“NSF Fee Charge - Paid (per item) … $34.00”
Largest banks by local bank deposits
Share of the $3.5 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Kane County
Deposits and branches cover the City of Elgin. Population and income cover Kane County, the county with most of Elgin'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 Kane County.
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