6 banks and credit unions have branches in Westchester. The Bank Fee Index holds published fees for 6 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Illinois
Westchester counts institutions with a branch here, wherever headquartered. Illinois counts institutions headquartered in the state.
Westchester
5 institutions with a branch here
$3
Illinois
59 institutions headquartered in Illinois
$1.25
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Westchester median sits furthest from Illinois's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Westchester 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 $15 to $36.
Median published overdraft fee
Westchester
5 institutions with a branch here
$36
Illinois
104 institutions headquartered in Illinois
$30
U.S.
2,605 institutions in the index
$30
Westchester 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.
6 institutions, 5 with a published overdraft fee.
Bank · based in Columbus, OH · 2 branches here
Account not yet known
“Overdraft Fee | $15.00 Per overdraft item. No overdraft fees unless final account”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Sioux Falls, SD · 1 branch here
Account not yet known
“Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we char”
Bank · based in Chicago, IL · 1 branch here
Bank · based in Chicago, IL · 1 branch here
Account not yet known
“Non-Sufficient Funds (NSF) Item Paid2 | $36.00”
Bank · based in Cincinnati, OH · 1 branch 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”
Largest banks by local bank deposits
Share of the $762 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Cook County
Deposits and branches cover the City of Westchester. Population and income cover Cook County, the county with most of Westchester'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 Cook County.
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