23 banks and credit unions have branches in the Elkhart-Goshen metro area. The Bank Fee Index holds published fees for 17 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Indiana
Elkhart-Goshen metro counts institutions with a branch here, wherever headquartered. Indiana counts institutions headquartered in the state.
Elkhart-Goshen metro
7 institutions with a branch here
$5
Indiana
61 institutions headquartered in Indiana
$10
U.S.
2,744 institutions in the index
$10
Chosen as the fee whose Elkhart-Goshen metro median sits furthest from Indiana's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Elkhart-Goshen metro 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 $38.
Median published overdraft fee
Elkhart-Goshen metro
12 institutions with a branch here
$35
Indiana
62 institutions headquartered in Indiana
$30
U.S.
2,605 institutions in the index
$30
Elkhart-Goshen metro 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.
23 institutions, 12 with a published overdraft fee.
Bank · based in Warsaw, IN · 11 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 South Bend, IN · 8 branches here
Account not yet known
“Overdraft Item Fee | $36 per item | When the current balance in your account is insufficient to cover an item, we may”
Credit union, membership rules apply · based in Goshen, IN · 7 branches here
Bank · based in Columbus, OH · 6 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Cleveland, OH · 6 branches here
Account not yet known
“$20.00 Overdraft Item (OD) Charge will apply to each item we pay when your end-of-day overdraft balance”
Credit union, membership rules apply · based in Elkhart, IN · 6 branches here
Account not yet known
“Overdraft Advance | $38.00”
Bank · based in Middlebury, IN · 5 branches here
Account not yet known
“Reduced overdraft fees, just $10 per overdraft”
Bank · based in Whiting, IN · 4 branches here
Account not yet known
“Overdraft Fee - Paid Item | $35.00 - Consumer”
Credit union, membership rules apply · based in South Bend, IN · 4 branches here
Credit union, membership rules apply · based in Elkhart, IN · 3 branches here
Largest banks by local bank deposits
Share of the $4.8 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Elkhart-Goshen metro's counties
Deposits and branches cover the Elkhart-Goshen 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
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 the metro's counties.
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