11 banks and credit unions have branches in O Fallon. 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
O Fallon counts institutions with a branch here, wherever headquartered. Illinois counts institutions headquartered in the state.
O Fallon
6 institutions with a branch here
$2
Illinois
59 institutions headquartered in Illinois
$1.25
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose O Fallon median sits furthest from Illinois's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare O Fallon 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
O Fallon
7 institutions with a branch here
$30
Illinois
104 institutions headquartered in Illinois
$30
U.S.
2,605 institutions in the index
$30
O Fallon 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 Carrollton, IL · 1 branch here
Bank · based in Charlotte, NC · 1 branch here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Birmingham, AL · 1 branch here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in St. Louis, MO · 1 branch here
Account not yet known
“Overdraft Fee | $30.00 | Per Item”
Bank · based in Collinsville, 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”
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 Peoria, IL · 1 branch here
Credit union, membership rules apply · based in Vienna, VA · 1 branch here
Account not yet known
“†Standard Practices and Fees: We will charge a fee of $20 each time we pay an overdraft”
Credit union, membership rules apply · based in Granite City, IL · 1 branch here
Largest banks by local bank deposits
Share of the $1.1 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: St. Clair County
Deposits and branches cover the City of O Fallon. Population and income cover St. Clair County, the county with most of O Fallon'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 St. Clair County.
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