153 banks and credit unions have branches in the St. Louis metro area. The Bank Fee Index holds published fees for 75 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Illinois
St. Louis metro counts institutions with a branch here, wherever headquartered. Illinois counts institutions headquartered in the state.
St. Louis metro
54 institutions with a branch here
$7.50
Illinois
121 institutions headquartered in Illinois
$10
U.S.
2,744 institutions in the index
$10
Chosen as the fee whose St. Louis metro median sits furthest from Illinois's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare St. Louis 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 $10 to $36.
Median published overdraft fee
St. Louis metro
55 institutions with a branch here
$30
Illinois
104 institutions headquartered in Illinois
$30
U.S.
2,605 institutions in the index
$30
St. Louis 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.
153 institutions, 55 with a published overdraft fee.
Bank · based in Cincinnati, OH · 73 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 Birmingham, AL · 59 branches here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Credit union, membership rules apply · based in Chesterfield, MO · 42 branches here
Account not yet known
“Paid NSF Item1 … $27.50 each”
Bank · based in Kansas City, MO · 38 branches here
Account not yet known
“Overdraft/Insuffcient Funds2 | $36”
Bank · based in Charlotte, NC · 32 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in St. Louis, MO · 30 branches here
Account not yet known
“Overdraft Fee | $30.00 | Per Item”
Bank · based in Columbus, OH · 30 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Wilmington, DE · 28 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Credit union, membership rules apply · based in Edwardsville, IL · 21 branches here
Account not yet known
“Overdraft/Courtesy Pay per submission … $27.00”
Bank · based in Champaign, IL · 20 branches here
Largest banks by local bank deposits
Share of the $141.7 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the St. Louis metro's counties
Deposits and branches cover the St. Louis 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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