10 banks and credit unions have branches in Grand Rapids. The Bank Fee Index holds published fees for 7 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Minnesota
Grand Rapids counts institutions with a branch here, wherever headquartered. Minnesota counts institutions headquartered in the state.
Grand Rapids
5 institutions with a branch here
$10
Minnesota
42 institutions headquartered in Minnesota
$6.88
U.S.
1,903 institutions in the index
$7
Chosen as the fee whose Grand Rapids median sits furthest from Minnesota's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Grand Rapids 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
Grand Rapids
6 institutions with a branch here
$31.40
Minnesota
68 institutions headquartered in Minnesota
$30
U.S.
2,605 institutions in the index
$30
Grand Rapids 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, 6 with a published overdraft fee.
Bank · based in Grand Rapids, MN · 2 branches here
Bank · based in Duluth, MN · 2 branches here
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 Deer River, MN · 1 branch here
Account not yet known
“Overdraft Charge (fee applies to overdrafts created by any debit including check, in-person withdrawal, ATM withdrawal, transfers, other electronic means, etc) | $30.79”
Bank · based in Waite Park, MN · 1 branch here
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 Sandstone, MN · 1 branch here
Account not yet known
“Overdraft Fee: (each overdraft paid) $25.00 per item (ACH and Checks) with a maximum charge of $125.00 per day (a single item may incur”
Credit union, membership rules apply · based in Saint Paul, MN · 1 branch here
Account not yet known
“OVERDRAFT/COURTESY PAY ITEM When we cover a non-sufficient funds $15 per item check, ACH or other item pursuant to our $90 cap per day overdraft courtesy pay program”
Credit union, membership rules apply · based in Duluth, MN · 1 branch here
Credit union, membership rules apply · based in Superior, WI · 1 branch here
Account not yet known
“Accounts will be charged the standard Overdraft fee of $32.00 for handling each overdraft created by checks, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other elec”
Largest banks by local bank deposits
Share of the $711 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Itasca County
Deposits and branches cover the City of Grand Rapids. Population and income cover Itasca County, the county with most of Grand Rapids'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 Itasca County.
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