Banks in Charleston, IL

Bank branch map: Charleston

Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.

Short answer: 7 banks and credit unions operate 7 locations in Charleston, according to the FDIC. 7 of them have coordinates on record and are on the map. 1 publish opening hours.

Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.

All banks in Charleston

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: 7 banks share the most locations in Charleston, with 1 each. 7 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

First Federal Savings and Loan Association of Central Illinois, S.B. 1 branch · main office Shelbyville, IL Bank · 1

First Federal Savings and Loan Association of Central Illinois, S.B. has 1 branch in Charleston, 4 across Illinois and 4 nationwide. FDIC records list its main office in Shelbyville, IL and show it operating since 1906. With $235.0 million in total assets on June 30, 2026, it ranks No. 2,801 of 4,232 U.S. banks by total assets. The Charleston Branch at 800 W Lincoln Ave dates to 1882 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Charleston Branch

  800 W Lincoln Ave, 61920

  Hours: see the bank's site
  DirectionsWebsite

First Federal Savings and Loan Association of Central Illinois, S.B.: profile, branches and contacts

First Financial Bank 1 branch · main office Terre Haute, IN Bank · 1

First Financial Bank has 1 branch in Charleston, 24 across Illinois and 83 nationwide. FDIC records list its main office in Terre Haute, IN and show it operating since 1863. With $6.17 billion in total assets on June 30, 2026, it ranks No. 245 of 4,232 U.S. banks by total assets. The 6Th & Lincoln - Charleston Branch at 605 Lincoln Ave dates to 1978 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• 6Th & Lincoln - Charleston Branch

  605 Lincoln Ave, 61920

  Hours: see the bank's site
  DirectionsWebsite

First Financial Bank: profile, branches and contacts

First Mid Bank & Trust First Mid Bank & Trust, National Association · 1 branch · main office Mattoon, IL Bank · 1

First Mid Bank & Trust has 1 branch in Charleston, 52 across Illinois and 87 nationwide. FDIC records list its main office in Mattoon, IL and show it operating since 1865. With $9.14 billion in total assets on June 30, 2026, it ranks No. 178 of 4,232 U.S. banks by total assets. The Lincoln Branch at 500 W Lincoln Ave dates to 1884 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Lincoln Branch

  500 W Lincoln Ave, 61920

  Hours: see the bank's site
  DirectionsWebsite

First Mid Bank & Trust: profile, branches and contacts

First Neighbor Bank 1 branch · main office Toledo, IL Bank · 1

First Neighbor Bank has 1 branch in Charleston, 10 across Illinois and 10 nationwide. FDIC records list its main office in Toledo, IL and show it operating since 1933. With $736.0 million in total assets on June 30, 2026, it ranks No. 1,335 of 4,232 U.S. banks by total assets. The Charleston Branch at 1415 18th St dates to 1997 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Charleston Branch

  1415 18th St, 61920

  Hours: see the bank's site
  DirectionsWebsite

First Neighbor Bank: profile, branches and contacts

Peoples Bank & Trust 1 branch · main office Pana, IL Bank · 1

Peoples Bank & Trust has 1 branch in Charleston, 14 across Illinois and 14 nationwide. FDIC records list its main office in Pana, IL and show it operating since 1954. With $656.6 million in total assets on June 30, 2026, it ranks No. 1,452 of 4,232 U.S. banks by total assets. The Charleston Il Branch at 505 W Lincoln Ave dates to 2010 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Charleston Il Branch

  505 W Lincoln Ave, 61920

  Hours: see the bank's site
  DirectionsWebsite

Peoples Bank & Trust: profile, branches and contacts

Prairie State Bank and Trust 1 branch · main office Springfield, IL Bank · 1

Prairie State Bank and Trust has 1 branch in Charleston, 19 across Illinois and 19 nationwide. FDIC records list its main office in Springfield, IL and show it operating since 1988. With $840.1 million in total assets on June 30, 2026, it ranks No. 1,211 of 4,232 U.S. banks by total assets. The Charleston Branch at 621 W Lincoln Ave dates to 1973 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Charleston Branch

  621 W Lincoln Ave, 61920

  Hours: see the bank's site
  DirectionsWebsite

Prairie State Bank and Trust: profile, branches and contacts

U.S. Bank U.S. Bank National Association · 1 branch · main office Cincinnati, OH Bank · 1

U.S. Bank has 1 branch in Charleston, 153 across Illinois and 2,097 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1863. With $705.55 billion in total assets on June 30, 2026, it ranks No. 6 of 4,232 U.S. banks by total assets. The Eastern Illinois University Branch at 1720 7th Street dates to 2014 in FDIC branch records. Its published hours do not list Saturday.

• Eastern Illinois University Branch

  1720 7th Street, 61920

  (217) 345-1470Today 9 am to 4:30 pm

  All hours

  Mon not published; Tue to Fri 9 am to 4:30 pm; Sat to Sun not published

  Hours: U.S. Bank branch locator (All The Places), checked Oct 10, 2026

  DirectionsBranch page

U.S. Bank: profile, branches and contacts

Banking in Charleston: the local picture

Short answer: 7 banks run 7 branches in Charleston according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

Of the 7 banks, 0 have their main office in Charleston, 5 elsewhere in Illinois and 2 out of state, according to the FDIC.

The bank with the longest record here is U.S. Bank, operating since 1863 according to the FDIC. In FDIC branch records, the longest-running branch is First Federal Savings and Loan Association of Central Illinois, S.B.'s office at 800 W Lincoln Ave, dating to 1882; the newest is U.S. Bank's at 1720 7th Street, from 2014.

Of the 1 location with published hours. None open on Saturday. 6 locations have no published hours in these sources.

Saturday hours in Charleston

Short answer: None of the 1 Charleston location with published hours lists Saturday hours. 6 locations do not publish hours in these sources; call ahead.

Bank branches show hours only where the bank publishes them in a source this page uses; 6 of the 7 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.

Chase, Bank of America and other national banks

Which big national banks have branches in Charleston, and where the nearest one is if they do not.

Short answer: In Charleston: U.S. Bank (1). No branches in Charleston: Chase (nearest in Urbana, 44 mi), Wells Fargo (nearest in Canton, 123 mi), Bank of America (nearest in O Fallon, 112 mi), PNC Bank (nearest in Champaign, 43 mi), Truist, Fifth Third Bank (nearest in Effingham, 32 mi), Huntington (nearest in New Lenox, 141 mi), Regions Bank (nearest in Robinson, 41 mi), TD Bank, BMO (nearest in Belleville, 116 mi).

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Charleston to the nearest branch in Illinois.

What your savings could earn

National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.

Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.

Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Charleston residents like anyone else.

Banks near Charleston

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Mattoon (9 miles) and Arcola (15 miles). Mattoon, 9 miles away, has the most banks nearby: 8.

Bank branch openings and closings in Charleston

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Charleston between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Charleston by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Charleston offices.

Short answer: U.S. Bank is the largest bank with offices in Charleston, with $705.55 billion in total assets on June 30, 2026, No. 6 among U.S. banks by total assets. First Mid Bank & Trust is second with $9.14 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.

Banks in Charleston: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.