13 banks and credit unions have branches in Gary. The Bank Fee Index holds published fees for 8 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Indiana
Gary counts institutions with a branch here, wherever headquartered. Indiana counts institutions headquartered in the state.
Gary
6 institutions with a branch here
$2.75
Indiana
47 institutions headquartered in Indiana
$2
U.S.
1,651 institutions in the index
$1.50
Chosen as the fee whose Gary median sits furthest from Indiana's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Gary 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 $25 to $37.
Median published overdraft fee
Gary
5 institutions with a branch here
$34
Indiana
62 institutions headquartered in Indiana
$30
U.S.
2,605 institutions in the index
$30
Gary 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.
13 institutions, 5 with a published overdraft fee.
Bank · based in Whiting, IN · 3 branches here
Account not yet known
“Overdraft Fee - Paid Item | $35.00 - Consumer”
Bank · based in Columbus, OH · 3 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
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 Chicago, IL · 2 branches here
Credit union, membership rules apply · based in Gary, IN · 2 branches here
Bank · based in Evansville, IN · 1 branch here
Bank · based in Munster, IN · 1 branch here
Bank · based in Cincinnati, OH · 1 branch here
Account not yet known
“Overdraft Fee-Paid Item (Maximum of 2 Items/Day) $25.00 Per Item6”
Bank · based in Michigan City, IN · 1 branch here
Credit union, membership rules apply · based in South Bend, IN · 1 branch here
Largest banks by local bank deposits
Share of the $597 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Lake County
Deposits and branches cover the City of Gary. Population and income cover Lake County, the county with most of Gary'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 Lake County.
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