10 banks and credit unions have branches in Forest Lake. The Bank Fee Index holds published fees for 9 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Minnesota
Forest Lake counts institutions with a branch here, wherever headquartered. Minnesota counts institutions headquartered in the state.
Forest Lake
6 institutions with a branch here
$10
Minnesota
42 institutions headquartered in Minnesota
$6.88
U.S.
1,904 institutions in the index
$6.99
Chosen as the fee whose Forest Lake median sits furthest from Minnesota's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Forest Lake 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
Forest Lake
7 institutions with a branch here
$34
Minnesota
68 institutions headquartered in Minnesota
$30
U.S.
2,605 institutions in the index
$30
Forest Lake 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.
10 institutions, 7 with a published overdraft fee.
Bank · based in Sioux Falls, SD · 1 branch 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 Cincinnati, OH · 1 branch 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 Lonsdale, MN · 1 branch here
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“Overdraft Fee | $15.00 Per overdraft item. No overdraft fees unless final account”
Bank · based in Green Bay, WI · 1 branch here
Account not yet known
“Overdraft Fees-(Paid NSF ltem(s) Fee) $35.00”
Bank · based in Fargo, ND · 1 branch here
Bank · based in Marine On St. Croix, MN · 1 branch here
Account not yet known
“Overdraft -------------------------------------------------------------------------$34.00”
Bank · based in Lino Lakes, MN · 1 branch here
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
Credit union, membership rules apply · based in Maple Grove, MN · 1 branch here
Account not yet known
“Paid Overdraft ATM & One Time Debit Transaction … $29 per presentment”
Largest banks by local bank deposits
Share of the $996 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Washington County
Deposits and branches cover the City of Forest Lake. Population and income cover Washington County, the county with most of Forest Lake'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 Washington County.
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