21 banks and credit unions have branches in Saint Cloud. 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
Saint Cloud counts institutions with a branch here, wherever headquartered. Minnesota counts institutions headquartered in the state.
Saint Cloud
7 institutions with a branch here
$2.50
Minnesota
33 institutions headquartered in Minnesota
$1.75
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Saint Cloud median sits furthest from Minnesota's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Saint Cloud 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 $0 to $36.
Median published overdraft fee
Saint Cloud
11 institutions with a branch here
$30
Minnesota
68 institutions headquartered in Minnesota
$30
U.S.
2,600 institutions in the index
$30
Saint Cloud 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.
21 institutions, 11 with a published overdraft fee.
Bank · based in Evansville, IN · 2 branches here
Bank · based in Sioux Falls, SD · 2 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 Cincinnati, OH · 2 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 Long Prairie, MN · 2 branches here
Bank · based in Saint Cloud, MN · 2 branches here
Bank · based in Saint Joseph, MN · 2 branches here
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 Saint Cloud, MN · 1 branch here
Account not yet known
“NSF Paid Item created by check, ACH or other electronic means or in-person withdrawals5 $0.00”
Bank · based in Foley, 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”
Largest banks by local bank deposits
Share of the $4.5 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Stearns County
Deposits and branches cover the City of Saint Cloud. Population and income cover Stearns County, the county with most of Saint Cloud'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 Stearns County.
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