13 banks and credit unions have branches in Stillwater. The Bank Fee Index holds published fees for 12 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Oklahoma
Stillwater counts institutions with a branch here, wherever headquartered. Oklahoma counts institutions headquartered in the state.
Stillwater
8 institutions with a branch here
$1.50
Oklahoma
49 institutions headquartered in Oklahoma
$1
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Stillwater median sits furthest from Oklahoma's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Stillwater with Oklahoma 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 $17 to $36.
Median published overdraft fee
Stillwater
9 institutions with a branch here
$32
Oklahoma
71 institutions headquartered in Oklahoma
$27.50
U.S.
2,605 institutions in the index
$30
Stillwater covers every institution with a branch here, wherever it is headquartered. Oklahoma covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
13 institutions, 9 with a published overdraft fee.
Bank · based in Pine Bluff, AR · 3 branches here
Account not yet known
“(including a second or subsequent request for payment), we may charge a Paid Item/Overdraft Fee of $36.00 per occurrence. However,”
Bank · based in Oklahoma City, OK · 3 branches here
Bank · based in Claremore, OK · 3 branches here
Account not yet known
“Overdraft Paid Item Fee (per item) – fee applies to all products except my Value Checking | $32.00”
Bank · based in Perry, OK · 2 branches here
Bank · based in McAlester, OK · 2 branches here
Account not yet known
“Overdraft/NSF Items - fee applies to overdrafts created by: Check Debit In-person withdrawal ATM withdrawal Other electronic means whether paid or returned Overdraft Protection Pri”
Credit union, membership rules apply · based in Stillwater, OK · 2 branches here
Account not yet known
“Overdrafts | $25.00 per item”
Bank · based in Elk City, OK · 1 branch here
Bank · based in Fayetteville, AR · 1 branch here
Account not yet known
“count after we post all credits and debits for the day ("Ledger Balance") is less than the amount we need to pay your transaction. For all consumer accounts, we will assess a maxim”
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Pawhuska, OK · 1 branch here
Largest banks by local bank deposits
Share of the $1.7 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Payne County
Deposits and branches cover the City of Stillwater. Population and income cover Payne County, the county with most of Stillwater'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 Payne County.
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