39 banks and credit unions have branches in the Rochester metro area. The Bank Fee Index holds published fees for 23 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Minnesota
Rochester metro counts institutions with a branch here, wherever headquartered. Minnesota counts institutions headquartered in the state.
Rochester metro
12 institutions with a branch here
$5
Minnesota
81 institutions headquartered in Minnesota
$10
U.S.
2,744 institutions in the index
$10
Chosen as the fee whose Rochester metro median sits furthest from Minnesota's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Rochester 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 $15 to $36.
Median published overdraft fee
Rochester metro
15 institutions with a branch here
$30
Minnesota
68 institutions headquartered in Minnesota
$30
U.S.
2,605 institutions in the index
$30
Rochester 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, 15 with a published overdraft fee.
Credit union, membership rules apply · based in Rochester, MN · 7 branches here
Account not yet known
“Our Courtesy Pay Program fee is $30 per covered transaction”
Credit union, membership rules apply · based in Rochester, MN · 7 branches here
Bank · based in Rochester, MN · 6 branches here
Account not yet known
“An overdraft fee can occur if the dollar amount of your transaction is more than the amount of money available in your account. If Think pays for the item, you may be charged an ov”
Bank · based in Grand Forks, ND · 5 branches here
Bank · based in Redwood Falls, MN · 5 branches here
Account not yet known
“Overdraft Fee* | $25.00/per presentment**”
Bank · based in Sioux Falls, SD · 4 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 Evansville, IN · 4 branches here
Bank · based in Winona, MN · 4 branches here
Bank · based in Hastings, MN · 4 branches here
Bank · based in Forest City, IA · 4 branches here
Account not yet known
“Paid Item Overdraft Fee … $30.00 each overdraft”
Largest banks by local bank deposits
Share of the $7.6 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Rochester metro's counties
Deposits and branches cover the Rochester 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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