11 banks and credit unions have branches in Urbana. The Bank Fee Index holds published fees for 7 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Illinois
Urbana counts institutions with a branch here, wherever headquartered. Illinois counts institutions headquartered in the state.
Urbana
5 institutions with a branch here
$12
Illinois
64 institutions headquartered in Illinois
$7
U.S.
1,904 institutions in the index
$6.99
Chosen as the fee whose Urbana median sits furthest from Illinois's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Urbana with Illinois and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Four published overdraft fees: $32–$36.
Medians for reference: Illinois $30 · U.S. $30
Local median not shown; five institutions required.
11 institutions, 4 with a published overdraft fee.
Bank · based in Champaign, IL · 2 branches here
Credit union, membership rules apply · based in Champaign, IL · 2 branches here
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Champaign, IL · 1 branch here
Account not yet known
“Overdraft-paid item | $ 34.00”
Bank · based in Mattoon, IL · 1 branch here
Bank · based in Champaign, IL · 1 branch here
Bank · based in Terre Haute, IN · 1 branch here
Bank · based in Bloomington, IL · 1 branch here
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.”
Largest banks by local bank deposits
Share of the $1.3 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Champaign County
Deposits and branches cover the City of Urbana. Population and income cover Champaign County, the county with most of Urbana'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 Champaign County.
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