12 banks and credit unions have branches in Kalispell. 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 Montana
Kalispell counts institutions with a branch here, wherever headquartered. Montana counts institutions headquartered in the state.
Kalispell
5 institutions with a branch here
$5
Montana
22 institutions headquartered in Montana
$10
U.S.
2,745 institutions in the index
$10
Chosen as the fee whose Kalispell median sits furthest from Montana's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Kalispell with Montana 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 $10 to $36.
Median published overdraft fee
Kalispell
5 institutions with a branch here
$33
Montana
15 institutions headquartered in Montana
$30
U.S.
2,601 institutions in the index
$30
Kalispell covers every institution with a branch here, wherever it is headquartered. Montana covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
12 institutions, 5 with a published overdraft fee.
Bank · based in Kalispell, MT · 6 branches here
Account not yet known
“Overdraft Fee.......................................................................................................................................................................”
Bank · based in Billings, MT · 3 branches here
Account not yet known
“Standard overdraft fees of $10 apply each time an overdraft is paid (up to 3 per day for Orange Checking accounts and up to 4 per day for Basic Checking, Select Checking, and Premi”
Bank · based in Miles City, MT · 3 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 Kalispell, MT · 2 branches here
Bank · based in Kalispell, MT · 2 branches here
Bank · based in Lolo, MT · 2 branches here
Credit union, membership rules apply · based in Whitefish, MT · 2 branches here
Credit union, membership rules apply · based in Whitefish, MT · 2 branches 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”
Largest banks by local bank deposits
Share of the $2.7 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Flathead County
Deposits and branches cover the City of Kalispell. Population and income cover Flathead County, the county with most of Kalispell'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 Flathead County.
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