29 banks and credit unions have branches in the Grand Forks metro area. The Bank Fee Index holds published fees for 18 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from North Dakota
Grand Forks metro counts institutions with a branch here, wherever headquartered. North Dakota counts institutions headquartered in the state.
Grand Forks metro
10 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 metro 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 metro 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 metro
13 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 metro 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.
29 institutions, 13 with a published overdraft fee.
Bank · based in Fargo, ND · 5 branches here
Bank · based in Grand Forks, ND · 4 branches here
Credit union, membership rules apply · based in Jamestown, ND · 4 branches here
Account not yet known
“Overdraft/Check Defender … $30.00”
Bank · based in Evansville, IN · 3 branches here
Bank · based in Fargo, ND · 3 branches here
Account not yet known
“Overdraft Fees $32 per item”
Bank · based in Winger, MN · 3 branches here
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 Lonsdale, MN · 2 branches here
Bank · based in Buxton, ND · 2 branches 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 Fargo, ND · 2 branches here
Account not yet known
“Overdraft Fee (Per Item) | $34”
Largest banks by local bank deposits
Share of the $3.9 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Grand Forks metro's counties
Deposits and branches cover the Grand Forks metro. Population and income cover the metro's counties. 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
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for the metro's counties.
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