22 banks and credit unions have branches in Grand Forks. The Bank Fee Index holds published fees for 16 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from North Dakota
Grand Forks counts institutions with a branch here, wherever headquartered. North Dakota counts institutions headquartered in the state.
Grand Forks
8 institutions with a branch here
$7.45
North Dakota
8 institutions headquartered in North Dakota
$4.99
U.S.
1,904 institutions in the index
$6.99
Chosen as the fee whose Grand Forks median sits furthest from North Dakota's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Grand Forks with North Dakota 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 $25 to $36.
Median published overdraft fee
Grand Forks
12 institutions with a branch here
$30
North Dakota
20 institutions headquartered in North Dakota
$30
U.S.
2,605 institutions in the index
$30
Grand Forks covers every institution with a branch here, wherever it is headquartered. North Dakota covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
22 institutions, 12 with a published overdraft fee.
Bank · based in Grand Forks, ND · 3 branches here
Bank · based in Fargo, ND · 3 branches here
Account not yet known
“Overdraft Fees $32 per item”
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 Fargo, ND · 2 branches here
Account not yet known
“Overdraft Fee (Per Item) | $34”
Credit union, membership rules apply · based in Grand Forks, ND · 2 branches here
Credit union, membership rules apply · based in Grand Forks, ND · 2 branches here
Bank · based in Evansville, IN · 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 Buxton, ND · 1 branch here
Account not yet known
“***Overdraft Fee*** | $30.00 per occurrence(2)<br>*Maximum of $150.00 in Overdraft Fees per day Overdrafts by checks, ACH withdrawals, or in person withdrawals may result in an Ove”
Bank · based in Lonsdale, MN · 1 branch here
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: Grand Forks County
Deposits and branches cover the City of Grand Forks. Population and income cover Grand Forks County, the county with most of Grand Forks'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 Grand Forks County.
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