33 banks and credit unions have branches in the Sioux City metro area. The Bank Fee Index holds published fees for 15 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from South Dakota
Sioux City metro counts institutions with a branch here, wherever headquartered. South Dakota counts institutions headquartered in the state.
Sioux City metro
10 institutions with a branch here
$5
South Dakota
16 institutions headquartered in South Dakota
$7.50
U.S.
1,904 institutions in the index
$7
Chosen as the fee whose Sioux City metro median sits furthest from South Dakota's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Sioux City metro with South 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 $10 to $36.
Median published overdraft fee
Sioux City metro
13 institutions with a branch here
$32.98
South Dakota
24 institutions headquartered in South Dakota
$30
U.S.
2,605 institutions in the index
$30
Sioux City metro covers every institution with a branch here, wherever it is headquartered. South Dakota covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
33 institutions, 13 with a published overdraft fee.
Bank · based in Sioux City, IA · 6 branches here
Account not yet known
“Overdraft Item Paid (Overdraft Fee) … $32.98”
Bank · based in Storm Lake, IA · 6 branches here
Bank · based in Reeds Spring, MO · 6 branches here
Account not yet known
“ATM overdraft fee | N/A | $34”
Credit union, membership rules apply · based in South Sioux City, NE · 6 branches here
Account not yet known
“Check Overdraft (ea. debit/draft paid) -$5.01 and up (negative balance) 6 per day: $23.00”
Bank · based in Sioux City, IA · 4 branches here
Bank · based in Sergeant Bluff, IA · 4 branches here
Account not yet known
“An overdraft fee of $34.00 will be charged per item for covering overdrafts created by check or draft, in-person withdrawal, or other electronic means.”
Bank · based in Ida Grove, IA · 4 branches here
Account not yet known
“There is no charge for Overdraft Defender unless you use it. If an overdraft occurs, the normal overdraft fee of $32 per item”
Credit union, membership rules apply · based in Sioux City, IA · 4 branches here
Credit union, membership rules apply · based in Sioux City, IA · 4 branches here
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”
Largest banks by local bank deposits
Share of the $4.6 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Sioux City metro's counties
Deposits and branches cover the Sioux City 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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