41 banks and credit unions have branches in the Champaign-Urbana metro area. The Bank Fee Index holds published fees for 20 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Illinois
Champaign-Urbana metro counts institutions with a branch here, wherever headquartered. Illinois counts institutions headquartered in the state.
Champaign-Urbana metro
12 institutions with a branch here
$8.98
Illinois
64 institutions headquartered in Illinois
$7
U.S.
1,903 institutions in the index
$7
Chosen as the fee whose Champaign-Urbana metro median sits furthest from Illinois's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Champaign-Urbana 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 $20 to $36.
Median published overdraft fee
Champaign-Urbana metro
12 institutions with a branch here
$31
Illinois
104 institutions headquartered in Illinois
$30
U.S.
2,605 institutions in the index
$30
Champaign-Urbana 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.
41 institutions, 12 with a published overdraft fee.
Bank · based in Champaign, IL · 9 branches here
Bank · based in Mattoon, IL · 7 branches here
Bank · based in Wilmington, DE · 5 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Monticello, IL · 5 branches here
Bank · based in Philo, IL · 5 branches here
Bank · based in Columbus, OH · 4 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Ogden, IL · 4 branches here
Bank · based in Bloomington, IL · 4 branches here
Bank · based in Bement, IL · 4 branches here
Account not yet known
“Overdraft Fee for Paid Item | $30.00/item”
Bank · based in Terre Haute, IN · 4 branches here
Largest banks by local bank deposits
Share of the $8.7 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Champaign-Urbana metro's counties
Deposits and branches cover the Champaign-Urbana 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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