9 banks and credit unions have branches in Lincoln City. 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 Oregon
Lincoln City counts institutions with a branch here, wherever headquartered. Oregon counts institutions headquartered in the state.
Lincoln City
5 institutions with a branch here
$3
Oregon
18 institutions headquartered in Oregon
$1.75
U.S.
1,651 institutions in the index
$1.50
Chosen as the fee whose Lincoln City median sits furthest from Oregon's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Lincoln City 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
Lincoln City
6 institutions with a branch here
$22.50
Oregon
17 institutions headquartered in Oregon
$25
U.S.
2,605 institutions in the index
$30
Lincoln City 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.
9 institutions, 6 with a published overdraft fee.
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”
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 Roseburg, OR · 1 branch here
Bank · based in Seattle, WA · 1 branch here
Account not yet known
“Insufficient Funds Charge (Paid) | $30 Per Presentment§”
Bank · based in Billings, MT · 1 branch 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 Newport, OR · 1 branch here
Bank · based in Chicago, IL · 1 branch here
Credit union, membership rules apply · based in Longview, WA · 1 branch here
Account not yet known
“Over-the-Counter Overdraft Fee | Consumer accounts: $15 per occurrence”
Credit union, membership rules apply · based in Corvallis, OR · 1 branch here
Account not yet known
“Overdraft paid (Courtesy Payment) … $10 per item”
Largest banks by local bank deposits
Share of the $409 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Lincoln County
Deposits and branches cover the City of Lincoln City. Population and income cover Lincoln County, the county with most of Lincoln City'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 Lincoln County.
Work at a bank or credit union here?
Hamilton, the Fee Insight workspace, sets an institution's own fees beside every institution in this market, with the source for each figure.
Choosing an account?
Open any institution above to see all of its published fees and where each one came from.
Search institutions