39 banks and credit unions have branches in the St. Cloud metro area. The Bank Fee Index holds published fees for 22 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Minnesota
St. Cloud metro counts institutions with a branch here, wherever headquartered. Minnesota counts institutions headquartered in the state.
St. Cloud metro
10 institutions with a branch here
$2.50
Minnesota
33 institutions headquartered in Minnesota
$1.75
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose St. Cloud metro median sits furthest from Minnesota's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare St. Cloud metro with Minnesota 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 $0 to $36.
Median published overdraft fee
St. Cloud metro
14 institutions with a branch here
$31
Minnesota
68 institutions headquartered in Minnesota
$30
U.S.
2,605 institutions in the index
$30
St. Cloud metro covers every institution with a branch here, wherever it is headquartered. Minnesota covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
39 institutions, 14 with a published overdraft fee.
Credit union, membership rules apply · based in Melrose, MN · 13 branches here
Credit union, membership rules apply · based in Lombard, IL · 6 branches here
Bank · based in Cincinnati, OH · 4 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 Saint Joseph, MN · 4 branches here
Bank · based in Saint Cloud, MN · 4 branches here
Bank · based in Saint Cloud, MN · 3 branches here
Account not yet known
“NSF Paid Item created by check, ACH or other electronic means or in-person withdrawals5 $0.00”
Bank · based in Evansville, IN · 3 branches here
Bank · based in Sioux Falls, SD · 3 branches here
Account not yet known
“Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we char”
Bank · based in Foley, MN · 3 branches here
Bank · based in Long Prairie, MN · 3 branches here
Largest banks by local bank deposits
Share of the $7.9 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the St. Cloud metro's counties
Deposits and branches cover the St. Cloud 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.
Work at a bank or credit union here?
Hamilton, the Fee Insight workspace, sets an institution's own fees beside every institution in this market, with the source for each figure.
Choosing an account?
Open any institution above to see all of its published fees and where each one came from.
Search institutions