12 banks and credit unions have branches in Moorhead. The Bank Fee Index holds published fees for 8 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Minnesota
Moorhead counts institutions with a branch here, wherever headquartered. Minnesota counts institutions headquartered in the state.
Moorhead
5 institutions with a branch here
$30
Minnesota
93 institutions headquartered in Minnesota
$25
U.S.
3,350 institutions in the index
$27.50
Chosen as the fee whose Moorhead median sits furthest from Minnesota's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Moorhead 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 $35.
Median published overdraft fee
Moorhead
6 institutions with a branch here
$31
Minnesota
68 institutions headquartered in Minnesota
$30
U.S.
2,605 institutions in the index
$30
Moorhead 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.
12 institutions, 6 with a published overdraft fee.
Bank · based in Fargo, ND · 4 branches here
Account not yet known
“Overdraft Fees $32 per item”
Credit union, membership rules apply · based in Saint Paul, MN · 2 branches 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”
Bank · based in Fargo, ND · 1 branch 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 Watford City, ND · 1 branch here
Account not yet known
“Paid Overdraft Fee* | $30”
Bank · based in Evansville, IN · 1 branch here
Bank · based in Fargo, ND · 1 branch here
Bank · based in Hawley, MN · 1 branch here
Bank · based in Fargo, ND · 1 branch here
Account not yet known
“Overdraft Fee (Per Item) | $34”
Bank · based in Dilworth, MN · 1 branch here
Largest banks by local bank deposits
Share of the $1.1 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Clay County
Deposits and branches cover the City of Moorhead. Population and income cover Clay County, the county with most of Moorhead'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 Clay County.
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