30 banks and credit unions have branches in the South Bend-Mishawaka metro area. The Bank Fee Index holds published fees for 25 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Indiana
South Bend-Mishawaka metro counts institutions with a branch here, wherever headquartered. Indiana counts institutions headquartered in the state.
South Bend-Mishawaka metro
9 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 South Bend-Mishawaka metro median sits furthest from Indiana's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare South Bend-Mishawaka 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 $37.
Median published overdraft fee
South Bend-Mishawaka metro
19 institutions with a branch here
$30
Indiana
62 institutions headquartered in Indiana
$30
U.S.
2,605 institutions in the index
$30
South Bend-Mishawaka 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.
30 institutions, 19 with a published overdraft fee.
Bank · based in South Bend, IN · 24 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 South Bend, IN · 10 branches here
Credit union, membership rules apply · based in Notre Dame, IN · 8 branches here
Credit union, membership rules apply · based in South Bend, IN · 7 branches here
Bank · based in Wilmington, DE · 4 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Warsaw, IN · 4 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 Cleveland, OH · 4 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”
Bank · based in Whiting, IN · 4 branches here
Account not yet known
“Overdraft Fee - Paid Item | $35.00 - Consumer”
Bank · based in Marcellus, MI · 4 branches here
Credit union, membership rules apply · based in Lombard, IL · 4 branches here
Largest banks by local bank deposits
Share of the $6.2 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the South Bend-Mishawaka metro's counties
Deposits and branches cover the South Bend-Mishawaka 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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