45 banks and credit unions have branches in the Spokane-Spokane Valley metro area. The Bank Fee Index holds published fees for 32 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Washington
Spokane-Spokane Valley metro counts institutions with a branch here, wherever headquartered. Washington counts institutions headquartered in the state.
Spokane-Spokane Valley metro
9 institutions with a branch here
$2.50
Washington
16 institutions headquartered in Washington
$2
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Spokane-Spokane Valley metro median sits furthest from Washington's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Spokane-Spokane Valley metro with Washington 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
Spokane-Spokane Valley metro
24 institutions with a branch here
$29
Washington
48 institutions headquartered in Washington
$28.50
U.S.
2,605 institutions in the index
$30
Spokane-Spokane Valley metro covers every institution with a branch here, wherever it is headquartered. Washington covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
45 institutions, 24 with a published overdraft fee.
Credit union, membership rules apply · based in Liberty Lake, WA · 20 branches here
Account not yet known
“Overdraft fee (Privilege pay) | $29”
Bank · based in Spokane, WA · 16 branches here
Account not yet known
“Paid Overdraft Fee $15”
Credit union, membership rules apply · based in Spokane Valley, WA · 12 branches here
Account not yet known
“Overdraft*/Courtesy Pay: | $30.00 each”
Bank · based in Cincinnati, OH · 10 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 Columbus, OH · 9 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Walla Walla, WA · 9 branches here
Account not yet known
“Overdraft Item (based on available balance2) | $30.00”
Credit union, membership rules apply · based in Spokane Valley, WA · 9 branches here
Account not yet known
“Insufficient funds and Courtesy Pay fee … $29.00 each”
Bank · based in Billings, MT · 8 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 Roseburg, OR · 6 branches here
Credit union, membership rules apply · based in Chubbuck, ID · 6 branches here
Account not yet known
“Overdraft - each overdraft paid … $24.94”
Largest banks by local bank deposits
Share of the $10.9 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Spokane-Spokane Valley metro's counties
Deposits and branches cover the Spokane-Spokane Valley 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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