10 banks and credit unions have branches in Lake Saint Louis. The Bank Fee Index holds published fees for 6 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Missouri
Lake Saint Louis counts institutions with a branch here, wherever headquartered. Missouri counts institutions headquartered in the state.
Lake Saint Louis
5 institutions with a branch here
$35
Missouri
96 institutions headquartered in Missouri
$28
U.S.
3,350 institutions in the index
$27.50
Chosen as the fee whose Lake Saint Louis median sits furthest from Missouri's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Lake Saint Louis with Missouri 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 $27.50 to $36.
Median published overdraft fee
Lake Saint Louis
6 institutions with a branch here
$34
Missouri
79 institutions headquartered in Missouri
$29.50
U.S.
2,605 institutions in the index
$30
Lake Saint Louis covers every institution with a branch here, wherever it is headquartered. Missouri 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 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 St. Charles, MO · 1 branch here
Bank · based in St. Louis, MO · 1 branch here
Account not yet known
“Overdraft Fee | $30.00 | Per Item”
Bank · based in Mattoon, IL · 1 branch here
Bank · based in Birmingham, AL · 1 branch here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Reeds Spring, MO · 1 branch here
Account not yet known
“ATM overdraft fee | N/A | $34”
Bank · based in Saint Charles, MO · 1 branch here
Credit union, membership rules apply · based in Chesterfield, MO · 1 branch here
Account not yet known
“Paid NSF Item1 … $27.50 each”
Credit union, membership rules apply · based in O Fallon, MO · 1 branch here
Largest banks by local bank deposits
Share of the $470 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: St. Charles County
Deposits and branches cover the City of Lake Saint Louis. Population and income cover St. Charles County, the county with most of Lake Saint Louis'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 St. Charles County.
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