10 banks and credit unions have branches in Ottawa. 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 Ottawa median is within 10% of the Illinois median on all 2 fees.
Ottawa counts institutions with a branch here, wherever headquartered. Illinois counts institutions headquartered in the state.
Pick a fee to compare Ottawa 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 $35.
Median published overdraft fee
Ottawa
5 institutions with a branch here
$27.50
Illinois
104 institutions headquartered in Illinois
$30
U.S.
2,605 institutions in the index
$30
Ottawa 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.
10 institutions, 5 with a published overdraft fee.
Bank · based in Ottawa, IL · 4 branches here
Bank · based in Ottawa, IL · 2 branches here
Credit union, membership rules apply · based in Ottawa, IL · 2 branches here
Account not yet known
“COP (Courtesy Pay) ** per item | $25.00”
Bank · based in Ottawa, IL · 1 branch here
Account not yet known
“Overdraft Funds Paid Charge (Per Item) $27.50”
Bank · based in Mendota, IL · 1 branch here
Account not yet known
“Paid item causing overdraft greater than $10.00 | $35.00 each”
Bank · based in Effingham, IL · 1 branch here
Bank · based in Aurora, IL · 1 branch here
Credit union, membership rules apply · based in Ottawa, IL · 1 branch here
Credit union, membership rules apply · based in Normal, IL · 1 branch here
Account not yet known
“Overdraft Courtsey Pay Fee $25.00/transaction | (Assessed on withdrawals not made at one of ISCU ATMs.”
Credit union, membership rules apply · based in Streator, IL · 1 branch here
Account not yet known
“Super Saver Overdraft fee | $29.00”
Largest banks by local bank deposits
Share of the $1.6 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: LaSalle County
Deposits and branches cover the City of Ottawa. Population and income cover LaSalle County, the county with most of Ottawa'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 LaSalle County.
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