22 banks and credit unions have branches in the Rapid City metro area. 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 South Dakota
Rapid City metro counts institutions with a branch here, wherever headquartered. South Dakota counts institutions headquartered in the state.
Rapid City metro
9 institutions with a branch here
$6
South Dakota
22 institutions headquartered in South Dakota
$10
U.S.
2,746 institutions in the index
$10
Chosen as the fee whose Rapid 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 Rapid 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
Rapid City metro
10 institutions with a branch here
$30
South Dakota
24 institutions headquartered in South Dakota
$30
U.S.
2,601 institutions in the index
$30
Rapid 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.
22 institutions, 10 with a published overdraft fee.
Bank · based in Billings, MT · 10 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”
Credit union, membership rules apply · based in Rapid City, SD · 10 branches here
Bank · based in Sioux Falls, SD · 4 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”
Credit union, membership rules apply · based in Box Elder, SD · 4 branches here
Account not yet known
“Overdraft by ATM Withdrawal, per overdraft … $35.00”
Bank · based in Cincinnati, OH · 3 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 Belle Fourche, SD · 3 branches here
Credit union, membership rules apply · based in Rapid City, SD · 3 branches here
Account not yet known
“Overdraft Privilege Standard or Extended Coverage | $30 Overdraft Paid Item Fee per item presented*”
Bank · based in Lincoln, NE · 2 branches here
Account not yet known
“Security First Bank charges a $30 NSF Item Paid Fee each time we pay an overdraft created by check, debit card, automatic payment, or ATM withdrawal. The NSF Item Paid Fee will not”
Bank · based in Aberdeen, SD · 2 branches here
Bank · based in Fort Pierre, SD · 2 branches here
Account not yet known
“$30 Overdraft Item Fee/NSF Return Fee per item, per presentment”
Largest banks by local bank deposits
Share of the $3.9 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Rapid City metro's counties
Deposits and branches cover the Rapid 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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