10 banks and credit unions have branches in Spearfish. The Bank Fee Index holds published fees for 6 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from South Dakota
Spearfish counts institutions with a branch here, wherever headquartered. South Dakota counts institutions headquartered in the state.
Spearfish
5 institutions with a branch here
$15
South Dakota
16 institutions headquartered in South Dakota
$7.50
U.S.
1,904 institutions in the index
$7
Chosen as the fee whose Spearfish median sits furthest from South Dakota's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Spearfish 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 $35.
Median published overdraft fee
Spearfish
5 institutions with a branch here
$25
South Dakota
24 institutions headquartered in South Dakota
$30
U.S.
2,605 institutions in the index
$30
Spearfish 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.
10 institutions, 5 with a published overdraft fee.
Bank · based in Belle Fourche, SD · 2 branches here
Bank · based in Billings, MT · 2 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 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 Lewellen, NE · 1 branch here
Account not yet known
“Overdraft Charge: | $25.00 per item”
Bank · based in Rapid City, SD · 1 branch here
Bank · based in Pierre, SD · 1 branch here
Bank · based in Sundance, WY · 1 branch here
Credit union, membership rules apply · based in Rapid City, SD · 1 branch here
Credit union, membership rules apply · based in Rapid City, SD · 1 branch here
Account not yet known
“Courtesy Pay Fee $ 25.00”
Credit union, membership rules apply · based in Sturgis, SD · 1 branch here
Account not yet known
“Overdraft by ATM Withdrawal, per overdraft $34.00”
Largest banks by local bank deposits
Share of the $822 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Lawrence County
Deposits and branches cover the City of Spearfish. Population and income cover Lawrence County, the county with most of Spearfish'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 Lawrence County.
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