14 banks and credit unions have branches in Valparaiso. The Bank Fee Index holds published fees for 11 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Indiana
Valparaiso counts institutions with a branch here, wherever headquartered. Indiana counts institutions headquartered in the state.
Valparaiso
10 institutions with a branch here
$5
Indiana
45 institutions headquartered in Indiana
$6.98
U.S.
1,904 institutions in the index
$6.99
Chosen as the fee whose Valparaiso median sits furthest from Indiana's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Valparaiso 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
Valparaiso
9 institutions with a branch here
$34
Indiana
62 institutions headquartered in Indiana
$30
U.S.
2,605 institutions in the index
$30
Valparaiso 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.
14 institutions, 9 with a published overdraft fee.
Bank · based in Whiting, IN · 5 branches here
Account not yet known
“Overdraft Fee - Paid Item | $35.00 - Consumer”
Bank · based in South Bend, IN · 4 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”
Bank · based in Columbus, OH · 2 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 Michigan City, IN · 2 branches here
Credit union, membership rules apply · based in Winfield, IN · 2 branches here
Account not yet known
“Overdraft Fee: For Personal Line of Credit, $25.00 for each transaction.”
Credit union, membership rules apply · based in Crown Point, IN · 2 branches here
Account not yet known
“Overdraft Item | $29.00/Item (each submission/resubmission)”
Credit union, membership rules apply · based in Merrillville, IN · 2 branches here
Account not yet known
“Courtesy Pay | $32.00/Item”
Bank · based in Muncie, IN · 1 branch here
Account not yet known
“$ 37.00 Overdraft 3”
Bank · based in Munster, IN · 1 branch here
Largest banks by local bank deposits
Share of the $2.7 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Porter County
Deposits and branches cover the City of Valparaiso. Population and income cover Porter County, the county with most of Valparaiso'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 Porter County.
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