29 banks and credit unions have branches in Carmel. The Bank Fee Index holds published fees for 22 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Indiana
Carmel counts institutions with a branch here, wherever headquartered. Indiana counts institutions headquartered in the state.
Carmel
18 institutions with a branch here
$3
Indiana
47 institutions headquartered in Indiana
$2
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Carmel median sits furthest from Indiana's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Carmel with Indiana 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 $10 to $37.
Median published overdraft fee
Carmel
13 institutions with a branch here
$35
Indiana
62 institutions headquartered in Indiana
$30
U.S.
2,605 institutions in the index
$30
Carmel covers every institution with a branch here, wherever it is headquartered. Indiana covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
29 institutions, 13 with a published overdraft fee.
Bank · based in Indianapolis, IN · 5 branches here
Bank · based in Columbus, OH · 4 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Carmel, IN · 2 branches here
Bank · based in Muncie, IN · 2 branches here
Account not yet known
“$ 37.00 Overdraft 3”
Bank · based in Cincinnati, OH · 2 branches here
Account not yet known
“If Overdraft Coverage is used, the per item fee for each overdraft is $37 per item.”
Bank · based in Wilmington, DE · 2 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
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 Birmingham, AL · 2 branches here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Warsaw, IN · 2 branches here
Account not yet known
“We charge a $35 Overdraft Fee if the transaction is paid or a $15 NSF (Non-Sufficient Funds) Fee if the transaction is returned”
Bank · based in Charlotte, NC · 2 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Largest banks by local bank deposits
Share of the $19.0 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Hamilton County
Deposits and branches cover the City of Carmel. Population and income cover Hamilton County, the county with most of Carmel'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 Hamilton County.
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