12 banks and credit unions have branches in Saint Charles. 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
Saint Charles counts institutions with a branch here, wherever headquartered. Illinois counts institutions headquartered in the state.
Saint Charles
5 institutions with a branch here
$2.50
Illinois
59 institutions headquartered in Illinois
$1.25
U.S.
1,651 institutions in the index
$1.50
Chosen as the fee whose Saint Charles median sits furthest from Illinois's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Saint Charles 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 $34 to $39.50.
Median published overdraft fee
Saint Charles
6 institutions with a branch here
$36
Illinois
104 institutions headquartered in Illinois
$30
U.S.
2,605 institutions in the index
$30
Saint Charles 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.
12 institutions, 6 with a published overdraft fee.
Bank · based in Saint Charles, IL · 2 branches here
Bank · based in Columbus, OH · 2 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
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 Chicago, IL · 2 branches here
Bank · based in Wilmington, DE · 2 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
“• 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 Aurora, IL · 2 branches here
Bank · based in Sioux Falls, SD · 1 branch here
Bank · based in Poplar Bluff, MO · 1 branch here
Bank · based in Mendota, IL · 1 branch here
Account not yet known
“Paid item causing overdraft greater than $10.00 | $35.00 each”
Largest banks by local bank deposits
Share of the $3.7 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 Saint Charles. Population and income cover Kane County, the county with most of Saint Charles'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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