34 banks and credit unions have branches in the Rockford metro area. The Bank Fee Index holds published fees for 19 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Illinois
Rockford metro counts institutions with a branch here, wherever headquartered. Illinois counts institutions headquartered in the state.
Rockford metro
10 institutions with a branch here
$14
Illinois
102 institutions headquartered in Illinois
$30
U.S.
2,857 institutions in the index
$30
Chosen as the fee whose Rockford metro median sits furthest from Illinois's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Rockford 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 $18 to $37.
Median published overdraft fee
Rockford metro
14 institutions with a branch here
$32.50
Illinois
104 institutions headquartered in Illinois
$30
U.S.
2,605 institutions in the index
$30
Rockford 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.
34 institutions, 14 with a published overdraft fee.
Bank · based in Effingham, IL · 10 branches here
Bank · based in Chicago, IL · 7 branches here
Bank · based in Winnebago, IL · 6 branches here
Bank · based in Green Bay, WI · 5 branches here
Account not yet known
“Overdraft—check or debit paid … $32 per item”
Bank · based in Mattoon, IL · 5 branches here
Bank · based in Wilmington, DE · 5 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Cincinnati, OH · 5 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”
Credit union, membership rules apply · based in Rockford, IL · 5 branches here
Bank · based in Kansas City, MO · 4 branches here
Account not yet known
“Overdraft Charge 5 | $36.00 per item”
Bank · based in Columbus, OH · 4 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Largest banks by local bank deposits
Share of the $9.0 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Rockford metro's counties
Deposits and branches cover the Rockford 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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