12 banks and credit unions have branches in Middleton. 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 Wisconsin
Middleton counts institutions with a branch here, wherever headquartered. Wisconsin counts institutions headquartered in the state.
Middleton
5 institutions with a branch here
$0
Wisconsin
75 institutions headquartered in Wisconsin
$29
U.S.
2,857 institutions in the index
$30
Chosen as the fee whose Middleton median sits furthest from Wisconsin's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Middleton with Wisconsin 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
Middleton
8 institutions with a branch here
$30
Wisconsin
76 institutions headquartered in Wisconsin
$30
U.S.
2,605 institutions in the index
$30
Middleton covers every institution with a branch here, wherever it is headquartered. Wisconsin covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
12 institutions, 8 with a published overdraft fee.
Bank · based in Middleton, WI · 2 branches here
Account not yet known
“to highest dollar amount. We then pay checks in check number order, per the bank’s policy. The payment order of items may create multiple overdraft items during a single banking da”
Credit union, membership rules apply · based in Madison, WI · 2 branches here
Account not yet known
“Paid overdraft fees do not apply if the resulting available balance is between zero and negative ten dollars (-$10)”
Bank · based in Middleton, WI · 1 branch here
Bank · based in Chicago, IL · 1 branch here
Bank · based in Madison, WI · 1 branch here
Bank · based in Green Bay, WI · 1 branch here
Account not yet known
“Overdraft—check or debit paid … $32 per item”
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 Bismarck, ND · 1 branch here
Account not yet known
“Overdraft Fee - All Checking and Savings Accounts $33”
Bank · based in Wausau, WI · 1 branch here
Account not yet known
“Paid Item Fee: overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means; | $25 per item”
Bank · based in Oregon, WI · 1 branch here
Account not yet known
“Overdraft Fee | $25 Per Item”
Largest banks by local bank deposits
Share of the $3.0 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Dane County
Deposits and branches cover the City of Middleton. Population and income cover Dane County, the county with most of Middleton'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 Dane County.
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