17 banks and credit unions have branches in Bend. The Bank Fee Index holds published fees for 13 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Oregon
Bend counts institutions with a branch here, wherever headquartered. Oregon counts institutions headquartered in the state.
Bend
8 institutions with a branch here
$2.50
Oregon
18 institutions headquartered in Oregon
$1.75
U.S.
1,651 institutions in the index
$1.50
Chosen as the fee whose Bend median sits furthest from Oregon's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Bend with Oregon 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
Bend
10 institutions with a branch here
$26.50
Oregon
17 institutions headquartered in Oregon
$25
U.S.
2,605 institutions in the index
$30
Bend covers every institution with a branch here, wherever it is headquartered. Oregon covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
17 institutions, 10 with a published overdraft fee.
Bank · based in Billings, MT · 7 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 Cincinnati, OH · 5 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 Roseburg, OR · 5 branches here
Bank · based in Columbus, OH · 4 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Sioux Falls, SD · 3 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 Charlotte, NC · 3 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Credit union, membership rules apply · based in Bend, OR · 3 branches here
Credit union, membership rules apply · based in Springfield, OR · 3 branches here
Account not yet known
“Courtesy Pay (NSF check, ATM withdrawal, ACH, debit card $25 per occurrence”
Credit union, membership rules apply · based in Portland, OR · 2 branches here
Account not yet known
“Overdraft Fee (item paid) $10.00”
Bank · based in Seattle, WA · 1 branch here
Account not yet known
“Insufficient Funds Charge (Paid) | $30 Per Presentment§”
Largest banks by local bank deposits
Share of the $3.8 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Deschutes County
Deposits and branches cover the City of Bend. Population and income cover Deschutes County, the county with most of Bend'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 Deschutes County.
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