12 banks and credit unions have branches in Saratoga Springs. The Bank Fee Index holds published fees for 10 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Utah
Saratoga Springs counts institutions with a branch here, wherever headquartered. Utah counts institutions headquartered in the state.
Saratoga Springs
9 institutions with a branch here
$25
Utah
33 institutions headquartered in Utah
$15
U.S.
3,350 institutions in the index
$27.50
Chosen as the fee whose Saratoga Springs median sits furthest from Utah's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Saratoga Springs with Utah 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
Saratoga Springs
9 institutions with a branch here
$29
Utah
25 institutions headquartered in Utah
$25
U.S.
2,605 institutions in the index
$30
Saratoga Springs covers every institution with a branch here, wherever it is headquartered. Utah covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
12 institutions, 9 with a published overdraft fee.
Bank · based in Salt Lake City, UT · 1 branch here
Account not yet known
“Overdraft Fee - Paid Items | $29.00”
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Kalispell, MT · 1 branch here
Account not yet known
“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 Provo, UT · 1 branch here
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 Charlotte, NC · 1 branch here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Credit union, membership rules apply · based in Riverdale, UT · 1 branch here
Account not yet known
“Overdraft Service Fee | $25.00 per presentment”
Credit union, membership rules apply · based in Salt Lake City, UT · 1 branch here
Account not yet known
“Overdraft Privilege Fee / ODP Fee (Max 5 per day)* | $25/item”
Credit union, membership rules apply · based in West Jordan, UT · 1 branch here
Account not yet known
“Privilege Pay Items … $25 per item”
Largest banks by local bank deposits
Share of the $350 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Utah County
Deposits and branches cover the City of Saratoga Springs. Population and income cover Utah County, the county with most of Saratoga Springs'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 Utah County.
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