96 banks and credit unions have branches in the Cincinnati metro area. The Bank Fee Index holds published fees for 55 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Kentucky
Cincinnati metro counts institutions with a branch here, wherever headquartered. Kentucky counts institutions headquartered in the state.
Cincinnati metro
32 institutions with a branch here
$2.25
Kentucky
30 institutions headquartered in Kentucky
$1.50
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Cincinnati metro median sits furthest from Kentucky's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Cincinnati metro with Kentucky 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 $9 to $40.
Median published overdraft fee
Cincinnati metro
47 institutions with a branch here
$32
Kentucky
53 institutions headquartered in Kentucky
$30
U.S.
2,605 institutions in the index
$30
Cincinnati metro covers every institution with a branch here, wherever it is headquartered. Kentucky covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
96 institutions, 47 with a published overdraft fee.
Bank · based in Cincinnati, OH · 93 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 Cincinnati, OH · 64 branches here
Account not yet known
“• U.S. Bank will charge an Overdraft Paid Fee of $36.00 for each overdraft item we pay on your behalf. Whether we”
Bank · based in Wilmington, DE · 46 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Cincinnati, OH · 46 branches here
Account not yet known
“Overdraft Fee-Paid Item (Maximum of 2 Items/Day) $25.00 Per Item6”
Bank · based in Columbus, OH · 37 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Columbus, OH · 36 branches here
Account not yet known
“Overdraft Fee | $15.00 Per overdraft item. No overdraft fees unless final account”
Bank · based in Lebanon, OH · 23 branches here
Bank · based in Burlington, KY · 19 branches here
Bank · based in Charlotte, NC · 18 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Marietta, OH · 18 branches here
Account not yet known
“Overdraft $35.00 per item”
Largest banks by local bank deposits
Share of the $187.5 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Cincinnati metro's counties
Deposits and branches cover the Cincinnati 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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