7 banks and credit unions have branches in Swansea. The Bank Fee Index holds published fees for 5 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Illinois
Swansea counts institutions with a branch here, wherever headquartered. Illinois counts institutions headquartered in the state.
Swansea
5 institutions with a branch here
$5
Illinois
64 institutions headquartered in Illinois
$7
U.S.
1,904 institutions in the index
$6.99
Chosen as the fee whose Swansea median sits furthest from Illinois's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Swansea with Illinois and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Three published overdraft fees: $28–$36.
Medians for reference: Illinois $30 · U.S. $30
Local median not shown; five institutions required.
7 institutions, 3 with a published overdraft fee.
Bank · based in Collinsville, IL · 1 branch here
Bank · based in Champaign, IL · 1 branch here
Bank · based in Birmingham, AL · 1 branch here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Springfield, IL · 1 branch here
Bank · based in St. Louis, MO · 1 branch here
Account not yet known
“Overdraft Fee | $30.00 | Per Item”
Bank · based in Waterloo, IL · 1 branch here
Credit union, membership rules apply · based in Arnold, MO · 1 branch here
Account not yet known
“Courtesy Pay or any overdraft (each debit, including ATM and ACH transactions, or check paid that creates a negative balance) / $28.00 per item”
Largest banks by local bank deposits
Share of the $502 million 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 Swansea. Population and income cover St. Clair County, the county with most of Swansea'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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