23 banks and credit unions have branches in Rochester. The Bank Fee Index holds published fees for 17 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Minnesota
Rochester counts institutions with a branch here, wherever headquartered. Minnesota counts institutions headquartered in the state.
Rochester
9 institutions with a branch here
$5
Minnesota
82 institutions headquartered in Minnesota
$10
U.S.
2,745 institutions in the index
$10
Chosen as the fee whose Rochester median sits furthest from Minnesota's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Rochester 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
13 institutions with a branch here
$30
Minnesota
68 institutions headquartered in Minnesota
$30
U.S.
2,603 institutions in the index
$30
Rochester 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.
23 institutions, 13 with a published overdraft fee.
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 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 Hastings, MN · 4 branches here
Credit union, membership rules apply · based in Rochester, MN · 4 branches here
Account not yet known
“Our Courtesy Pay Program fee is $30 per covered transaction”
Bank · based in Cincinnati, OH · 3 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 Grand Forks, ND · 3 branches here
Bank · based in Green Bay, WI · 3 branches here
Account not yet known
“Overdraft—check or debit paid … $32 per item”
Bank · based in Austin, MN · 2 branches here
Bank · based in Evansville, IN · 2 branches here
Largest banks by local bank deposits
Share of the $5.2 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Olmsted County
Deposits and branches cover the City of Rochester. Population and income cover Olmsted County, the county with most of Rochester'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 Olmsted County.
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