US Bank Directory
Banks in Saint Charles, IL
12 FDIC-insured banks operate 20 offices in Saint Charles, Illinois.
Source: FDIC BankFind, data as of September 5, 2026; hours checked October 10, 2026.
Bank branch map: Saint Charles
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: 12 banks and credit unions operate 20 locations in Saint Charles, according to the FDIC. 20 of them have coordinates on record and are on the map. 10 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
20 locations on the map
Tap a cluster to zoom in
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 Saint Charles
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 8 banks share the most locations in Saint Charles, with 2 each. 4 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.
BMO Bank · 2
BMO has 2 branches in Saint Charles, 179 across Illinois and 988 nationwide. FDIC records list its main office in Chicago, IL and show it operating since 1947. With $254.97 billion in total assets on June 30, 2026, it ranks No. 16 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Saint Charles location is the Randall Road Drive-In Facility at 300 S Randall Rd, dating to 1978; the newest, at 3890 E Main St, to 1992. All 2 of its Saint Charles locations with published hours open on Saturday.
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Randall Road Drive-In Facility300 S Randall Rd, 60174
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: BMO branch locator (All The Places), checked Oct 10, 2026
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East Side Branch3890 E Main St, 60174
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: BMO branch locator (All The Places), checked Oct 10, 2026
Chase Bank · 2
Chase has 2 branches in Saint Charles, 265 across Illinois and 5,176 nationwide. FDIC records list its main office in Columbus, OH and show it operating since 1824. With $4.09 trillion in total assets on June 30, 2026, it ranks No. 1 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Saint Charles location is the Dunham Branch at 520 Dunham Rd, dating to 1976; the newest, at 575 S Randall Rd, to 1982. All 2 of its Saint Charles locations with published hours open on Saturday.
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Dunham Branch520 Dunham Rd, 60174
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Chase branch locator (All The Places), checked Oct 10, 2026
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St. Charles/Randall Facility Branch575 S Randall Rd, 60174
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Chase branch locator (All The Places), checked Oct 10, 2026
Fifth Third Bank Bank · 2
Fifth Third Bank has 2 branches in Saint Charles, 161 across Illinois and 1,508 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1865. With $299.18 billion in total assets on June 30, 2026, it ranks No. 14 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Saint Charles location is the St. Charles-West Branch at 700 S Randall Rd, dating to 1891; the newest, at 1600 E Main St, to 1989. All 2 of its Saint Charles locations with published hours open on Saturday.
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St. Charles-East Branch1600 E Main St, 60174
All hours
Mon closed; Tue to Thu 9 am to 5:30 pm; Fri 9 am to 6 pm; Sat 9 am to 2 pm; Sun closed
Hours: Fifth Third Bank branch locator (All The Places), checked Oct 10, 2026
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St. Charles-West Branch700 S Randall Rd, 60174
All hours
Mon closed; Tue to Thu 9 am to 5:30 pm; Fri 9 am to 6 pm; Sat 9 am to 2 pm; Sun closed
Hours: Fifth Third Bank branch locator (All The Places), checked Oct 10, 2026
First State Bank Bank · 2
First State Bank has 2 branches in Saint Charles, 20 across Illinois and 20 nationwide. FDIC records list its main office in Mendota, IL and show it operating since 1940. With $1.56 billion in total assets on June 30, 2026, it ranks No. 722 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Saint Charles location is the St. Charles West Branch at 2601 Oak St, dating to 1997; the newest, at 103 N 9th Ave, to 1997. It does not publish hours in the sources this page uses; check its site before you go.
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St. Charles Drive Up Branch103 N 9th Ave, 60174
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St. Charles West Branch2601 Oak St, 60175
Old Second National Bank Bank · 2
Old Second National Bank has 2 branches in Saint Charles, 57 across Illinois and 57 nationwide. FDIC records list its main office in Aurora, IL and show it operating since 1887. With $6.86 billion in total assets on June 30, 2026, it ranks No. 225 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Saint Charles location is the St. Charles Branch at 315 S Randall Rd, dating to 1991; the newest, at 3000 E Main St, to 2000. It does not publish hours in the sources this page uses; check its site before you go.
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Charlestowne Branch3000 E Main St, 60174
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St. Charles Branch315 S Randall Rd, 60174
PNC Bank Bank · 2
PNC Bank has 2 branches in Saint Charles, 148 across Illinois and 2,413 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1804. With $609.77 billion in total assets on June 30, 2026, it ranks No. 8 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Saint Charles location is the St Charles East Branch at 3879 E Main St, dating to 1922; the newest, at 860 S Randall Rd, to 2002. All 2 of its Saint Charles locations with published hours open on Saturday.
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St Charles East Branch3879 E Main St, 60174
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026
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St Charles West Branch860 S Randall Rd, 60174
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026
St. Charles Bank & Trust Company Bank · 2
St. Charles Bank & Trust Company has 2 branches in Saint Charles, 10 across Illinois and 10 nationwide. FDIC records list its main office in Saint Charles, IL and show it operating since 1987. With $3.69 billion in total assets on June 30, 2026, it ranks No. 356 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Saint Charles location is its main office at 411 W Main St, dating to 1987; the newest, at 2825 Foxfield Rd, to 2008. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office411 W Main St, 60174
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Foxfield Office Branch2825 Foxfield Rd, 60174
U.S. Bank Bank · 2
U.S. Bank has 2 branches in Saint Charles, 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. In FDIC branch records, its longest-running Saint Charles location is the St. Charles Meijer Branch at 855 S Randall Rd, dating to 2002; the newest, at 135 Smith Rd, to 2013. All 2 of its Saint Charles locations with published hours open on Saturday.
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Saint Charles Branch135 Smith Rd, 60174
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: U.S. Bank branch locator (All The Places), checked Oct 10, 2026
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St. Charles Meijer Branch855 S Randall Rd, 60174
All hours
Mon not published; Tue to Fri 10 am to 6 pm; Sat 10 am to 2 pm; Sun not published
Hours: U.S. Bank branch locator (All The Places), checked Oct 10, 2026
Citibank Bank · 1
Citibank has 1 branch in Saint Charles, 57 across Illinois and 667 nationwide. FDIC records list its main office in Sioux Falls, SD and show it operating since 1812. With $1.98 trillion in total assets on June 30, 2026, it ranks No. 3 of 4,232 U.S. banks by total assets. The St Charles Branch at 1925 Lincoln Hwy dates to 1996 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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St Charles Branch1925 Lincoln Hwy, 60174
First American Bank Bank · 1
First American Bank has 1 branch in Saint Charles, 49 across Illinois and 58 nationwide. FDIC records list its main office in Elk Grove Village, IL and show it operating since 1901. With $8.63 billion in total assets on June 30, 2026, it ranks No. 188 of 4,232 U.S. banks by total assets. The St. Charles Branch at 2901 E Main St dates to 1999 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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St. Charles Branch2901 E Main St, 60174
First Mid Bank & Trust Bank · 1
First Mid Bank & Trust has 1 branch in Saint Charles, 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 Blackhawk Bank St Charles Il Branch at 460 S 1st St dates to 2021 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Blackhawk Bank St Charles Il Branch460 S 1st St, 60174
Sterling Bank Bank · 1
Sterling Bank has 1 branch in Saint Charles, 1 across Illinois and 16 nationwide. FDIC records list its main office in Poplar Bluff, MO and show it operating since 2004. With $1.56 billion in total assets on June 30, 2026, it ranks No. 720 of 4,232 U.S. banks by total assets. The Saint Charles Branch at 10 Illinois St dates to 2015 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Saint Charles Branch10 Illinois St, 60174
Banking in Saint Charles: the local picture
Short answer: 12 banks run 20 branches in Saint Charles 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 12 banks, 1 has its main office in Saint Charles, 5 elsewhere in Illinois and 6 out of state, according to the FDIC.
The bank with the longest record here is PNC Bank, operating since 1804 according to the FDIC. In FDIC branch records, the longest-running branch is Fifth Third Bank's office at 700 S Randall Rd, dating to 1891; the newest is First Mid Bank & Trust's at 460 S 1st St, from 2021.
Of the 10 locations with published hours. 10 open on Saturday. 10 locations have no published hours in these sources.
Banks by ZIP code in Saint Charles
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 60174 has the most bank and credit union offices in Saint Charles (19), followed by 60175 (1). Offices are spread across 2 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 60174 | 19 | 12 | BMO, Chase, Fifth Third Bank |
| 60175 | 1 | 1 | First State Bank |
Banks open on Saturday in Saint Charles
Short answer: 10 of the 10 Saint Charles locations with published hours open on Saturday, run by 5 institutions.
- Chase: 2 of 2 branches (520 Dunham Rd: Saturday 9 am to 2 pm, and 1 more)
- U.S. Bank: 2 of 2 branches (135 Smith Rd: Saturday 9 am to 1 pm, and 1 more)
- PNC Bank: 2 of 2 branches (3879 E Main St: Saturday 9 am to 1 pm, and 1 more)
- Fifth Third Bank: 2 of 2 branches (1600 E Main St: Saturday 9 am to 2 pm, and 1 more)
- BMO: 2 of 2 branches (300 S Randall Rd: Saturday 9 am to 12 pm, and 1 more)
Bank branches show hours only where the bank publishes them in a source this page uses; 10 of the 20 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 Saint Charles, and where the nearest one is if they do not.
Short answer: In Saint Charles: Chase (2), PNC Bank (2), U.S. Bank (2), Fifth Third Bank (2), BMO (2). No branches in Saint Charles: Wells Fargo (nearest in Naperville, 13 mi), Bank of America (nearest in Geneva, 2 mi), Truist, Huntington (nearest in Bartlett, 8 mi), Regions Bank (nearest in Bloomington, 104 mi), TD Bank.
| Bank | In Saint Charles | Nearest branch if none here |
|---|---|---|
| Chase | 2 branches | here |
| PNC Bank | 2 branches | here |
| U.S. Bank | 2 branches | here |
| Fifth Third Bank | 2 branches | here |
| BMO | 2 branches | here |
| Wells Fargo | None | Naperville, 13 miles away |
| Bank of America | None | Geneva, 2 miles away |
| Truist | None | none in Illinois |
| Huntington | None | Bartlett, 8 miles away |
| Regions Bank | None | Bloomington, 104 miles away |
| TD Bank | None | none in Illinois |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Saint Charles 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%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
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 Saint Charles residents like anyone else.
Banks near Saint Charles
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Geneva (2 miles) and Batavia (4 miles). Elgin, 8 miles away, has the most banks nearby: 14.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Geneva, IL | 2 mi | 9 | 9 |
| Banks in Batavia, IL | 4 mi | 5 | 6 |
| Banks in South Elgin, IL | 5 mi | 7 | 7 |
| Banks in West Chicago, IL | 6 mi | 4 | 5 |
| Banks in Bartlett, IL | 8 mi | 6 | 6 |
| Banks in North Aurora, IL | 8 mi | 2 | 2 |
| Banks in Elgin, IL | 8 mi | 14 | 25 |
| Banks in Warrenville, IL | 8 mi | 3 | 3 |
Bank branch openings and closings in Saint Charles
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Saint Charles between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Saint Charles
Short answer: 1 institution has its main office in Saint Charles: St. Charles Bank & Trust Company.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| St. Charles Bank & Trust Company | Bank | $3.69 billion | 2 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Saint Charles by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Saint Charles offices.
Short answer: Chase is the largest bank with offices in Saint Charles, with $4.09 trillion in total assets on June 30, 2026, No. 1 among U.S. banks by total assets. Citibank is second with $1.98 trillion. 1 of the 12 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Chase | $4.09 trillion | No. 1 | 2 | Columbus, OH |
| Citibank | $1.98 trillion | No. 3 | 1 | Sioux Falls, SD |
| U.S. Bank | $705.55 billion | No. 6 | 2 | Cincinnati, OH |
| PNC Bank | $609.77 billion | No. 8 | 2 | Wilmington, DE |
| Fifth Third Bank | $299.18 billion | No. 14 | 2 | Cincinnati, OH |
| BMO | $254.97 billion | No. 16 | 2 | Chicago, IL |
| First Mid Bank & Trust | $9.14 billion | No. 178 | 1 | Mattoon, IL |
| First American Bank | $8.63 billion | No. 188 | 1 | Elk Grove Village, IL |
| Old Second National Bank | $6.86 billion | No. 225 | 2 | Aurora, IL |
| St. Charles Bank & Trust Company | $3.69 billion | No. 356 | 2 | Saint Charles, IL |
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 Saint Charles: FAQ
How many banks are in Saint Charles, IL?
Saint Charles has 12 banks with 20 branches, according to FDIC data as of September 5, 2026.
Which bank has the most branches in Saint Charles?
Chase, with 2. U.S. Bank has 2 and PNC Bank has 2.
Is there a Chase in Saint Charles, IL?
Yes. FDIC data lists 2 Chase branches in Saint Charles as of September 5, 2026. Its branches are listed under Chase above, with the address and directions for each.
Is there a U.S. Bank in Saint Charles, IL?
Yes. FDIC data lists 2 U.S. Bank branches in Saint Charles as of September 5, 2026. Its branches are listed under U.S. Bank above, with the address and directions for each.
Is there a PNC Bank in Saint Charles, IL?
Yes. FDIC data lists 2 PNC Bank branches in Saint Charles as of September 5, 2026. Its branches are listed under PNC Bank above, with the address and directions for each.
Is there a Wells Fargo in Saint Charles, IL?
No. FDIC data lists no Wells Fargo branch in Saint Charles as of September 5, 2026. The nearest is in Naperville, about 13 miles away in a straight line.
Which banks in Saint Charles are open on Saturday?
Chase, U.S. Bank, PNC Bank and Fifth Third Bank and 1 more publish Saturday hours for one or more Saint Charles locations. The Saturday section above lists each one with its hours. 10 of the 20 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Saint Charles?
St. Charles Bank & Trust Company has its main office in Saint Charles, according to the FDIC.
What is the oldest bank in Saint Charles?
PNC Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1804.
Did any bank branches open or close in Saint Charles in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Saint Charles?
Nearby cities with more banks include Geneva, Batavia, South Elgin. Geneva is 2 miles away with 9 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Bank branch hours, phones and branch pages (10 of 20 branches: BMO, Chase, Fifth Third Bank, PNC Bank, U.S. Bank) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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