US Bank Directory
Banks in Monticello, IN
6 FDIC-insured banks operate 6 offices in Monticello, Indiana, and 2 credit unions have 2 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Monticello
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: 8 banks and credit unions operate 8 locations in Monticello, according to the FDIC and the NCUA. 8 of them have coordinates on record and are on the map. 2 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
8 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 and credit unions in Monticello
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 6 banks share the most locations in Monticello, with 1 each. 6 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.
Alliance Bank Bank · 1
Alliance Bank has 1 branch in Monticello, 7 across Indiana and 7 nationwide. FDIC records list its main office in Francesville, IN and show it operating since 1930. With $454.8 million in total assets on June 30, 2026, it ranks No. 1,904 of 4,232 U.S. banks by total assets. The Monticello Branch at 209 Rickey Rd dates to 1992 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Monticello Branch209 Rickey Rd, 47960
Bank of Wolcott Bank · 1
Bank of Wolcott has 1 branch in Monticello, 3 across Indiana and 3 nationwide. FDIC records list its main office in Wolcott, IN and show it operating since 1944. With $280.3 million in total assets on June 30, 2026, it ranks No. 2,578 of 4,232 U.S. banks by total assets. The Monticello Branch at 116 N 6th St dates to 1998 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Monticello Branch116 N 6th St, 47960
First Merchants Bank Bank · 1
First Merchants Bank has 1 branch in Monticello, 90 across Indiana and 135 nationwide. FDIC records list its main office in Muncie, IN and show it operating since 1893. With $21.32 billion in total assets on June 30, 2026, it ranks No. 101 of 4,232 U.S. banks by total assets. The Monticello Branch at 116 E Washington St dates to 1949 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Monticello Branch116 E Washington St, 47960
Flagstar Bank · 1
Flagstar has 1 branch in Monticello, 24 across Indiana and 345 nationwide. FDIC records list its main office in Hicksville, NY and show it operating since 1987. With $87.71 billion in total assets on June 30, 2026, it ranks No. 36 of 4,232 U.S. banks by total assets. The Monticello North Branch at 1000 N Main St dates to 1994 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Monticello North Branch1000 N Main St, 47960
Industrial Credit Union Credit union · 1
Industrial Credit Union has 1 office in Monticello, 9 across Indiana. It is based in Lafayette, IN and $355.6 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
-
Monticello818 W Fisher St, 47960
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Lakes Credit Union Credit union · 1
Lakes Credit Union has 1 office in Monticello, 1 across Indiana. It is based in Monticello, IN and $27.5 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
-
Main Office main office106 Rickey Rd, 47960
All hours
Mon to Thu 9 am to 4:30 pm; Fri 9 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Peoples Community Bank SB of Monticello, Indiana Bank · 1
Peoples Community Bank SB of Monticello, Indiana has 1 branch in Monticello, 1 across Indiana and 1 nationwide. FDIC records list its main office in Monticello, IN and show it operating since 1899. With $42.7 million in total assets on June 30, 2026, it ranks No. 4,106 of 4,232 U.S. banks by total assets. Its main office at 126 Constitution Plz dates to 1899 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Main Office main office126 Constitution Plz, 47960
The Fountain Trust Bank · 1
The Fountain Trust has 1 branch in Monticello, 16 across Indiana and 20 nationwide. FDIC records list its main office in Covington, IN and show it operating since 1903. With $844.6 million in total assets on June 30, 2026, it ranks No. 1,202 of 4,232 U.S. banks by total assets. The Monticello Branch at 902 N 6th St dates to 2004 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Monticello Branch902 N 6th St, 47960
Join a credit union in Monticello
2 credit unions have 2 offices here: Industrial Credit Union and Lakes Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Monticello page has every office in the state's directory.
Banking in Monticello: the local picture
Short answer: 6 banks run 6 branches in Monticello 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 6 banks, 1 has its main office in Monticello, 4 elsewhere in Indiana and 1 out of state, according to the FDIC.
The bank with the longest record here is First Merchants Bank, operating since 1893 according to the FDIC. In FDIC branch records, the longest-running branch is Peoples Community Bank SB of Monticello, Indiana's office at 126 Constitution Plz, dating to 1899; the newest is The Fountain Trust's at 902 N 6th St, from 2004.
2 credit unions have 2 offices in Monticello, according to the NCUA. Who can join each one is on the credit unions page.
Of the 2 locations with published hours. None open on Saturday. 6 locations have no published hours in these sources.
Saturday hours in Monticello
Short answer: None of the 2 Monticello locations with published hours lists Saturday hours. 6 locations do not publish hours in these sources; call ahead.
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 6 of the 8 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 Monticello, and where the nearest one is if they do not.
Short answer: No branches in Monticello: Chase (nearest in West Lafayette, 22 mi), Wells Fargo, Bank of America (nearest in Carmel, 62 mi), PNC Bank (nearest in Logansport, 21 mi), U.S. Bank (nearest in Connersville, 114 mi), Truist (nearest in New Albany, 174 mi), Fifth Third Bank (nearest in West Lafayette, 22 mi), Huntington (nearest in West Lafayette, 22 mi), Regions Bank (nearest in Delphi, 12 mi), TD Bank, BMO (nearest in Kokomo, 37 mi).
| Bank | In Monticello | Nearest branch if none here |
|---|---|---|
| Chase | None | West Lafayette, 22 miles away |
| Wells Fargo | None | none in Indiana |
| Bank of America | None | Carmel, 62 miles away |
| PNC Bank | None | Logansport, 21 miles away |
| U.S. Bank | None | Connersville, 114 miles away |
| Truist | None | New Albany, 174 miles away |
| Fifth Third Bank | None | West Lafayette, 22 miles away |
| Huntington | None | West Lafayette, 22 miles away |
| Regions Bank | None | Delphi, 12 miles away |
| TD Bank | None | none in Indiana |
| BMO | None | Kokomo, 37 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Monticello to the nearest branch in Indiana.
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 Monticello residents like anyone else.
Banks near Monticello
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Delphi (13 miles) and Flora (19 miles). Lafayette, 24 miles away, has the most banks nearby: 15.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Delphi, IN | 13 mi | 3 | 3 |
| Banks in Flora, IN | 19 mi | 4 | 4 |
| Banks in Remington, IN | 20 mi | 2 | 2 |
| Banks in West Lafayette, IN | 22 mi | 11 | 13 |
| Banks in Logansport, IN | 22 mi | 5 | 6 |
| Banks in Winamac, IN | 23 mi | 4 | 4 |
| Banks in Rensselaer, IN | 24 mi | 5 | 5 |
| Banks in Lafayette, IN | 24 mi | 15 | 30 |
Bank branch openings and closings in Monticello
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Monticello 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 Monticello
Short answer: 2 institutions have their main office in Monticello: Peoples Community Bank SB of Monticello, Indiana and Lakes Credit Union.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Peoples Community Bank SB of Monticello, Indiana | Bank | $42.7 million | 1 |
| Lakes Credit Union | Credit union | $27.5 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Monticello by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Monticello offices.
Short answer: Flagstar is the largest bank with offices in Monticello, with $87.71 billion in total assets on June 30, 2026, No. 36 among U.S. banks by total assets. First Merchants Bank is second with $21.32 billion. 1 of the 6 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 |
|---|---|---|---|---|
| Flagstar | $87.71 billion | No. 36 | 1 | Hicksville, NY |
| First Merchants Bank | $21.32 billion | No. 101 | 1 | Muncie, IN |
| The Fountain Trust | $844.6 million | No. 1,202 | 1 | Covington, IN |
| Alliance Bank | $454.8 million | No. 1,904 | 1 | Francesville, IN |
| Bank of Wolcott | $280.3 million | No. 2,578 | 1 | Wolcott, IN |
| Peoples Community Bank SB of Monticello, Indiana | $42.7 million | No. 4,106 | 1 | Monticello, IN |
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 Monticello: FAQ
How many banks are in Monticello, IN?
Monticello has 6 banks with 6 branches and 2 credit unions with 2 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Monticello?
Flagstar, with 1. First Merchants Bank has 1 and The Fountain Trust has 1.
Is there a Flagstar in Monticello, IN?
Yes. FDIC data lists 1 Flagstar branch in Monticello as of September 5, 2026. The address and directions are under Flagstar above.
Is there a First Merchants Bank in Monticello, IN?
Yes. FDIC data lists 1 First Merchants Bank branch in Monticello as of September 5, 2026. The address and directions are under First Merchants Bank above.
Is there a The Fountain Trust in Monticello, IN?
Yes. FDIC data lists 1 The Fountain Trust branch in Monticello as of September 5, 2026. The address and directions are under The Fountain Trust above.
Is there a Chase in Monticello, IN?
No. FDIC data lists no Chase branch in Monticello as of September 5, 2026. The nearest is in West Lafayette, about 22 miles away in a straight line.
Which banks in Monticello are open on Saturday?
None of the 2 locations with published hours lists Saturday hours. 6 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in Monticello?
Peoples Community Bank SB of Monticello, Indiana and Lakes Credit Union have their main office in Monticello, according to the FDIC and the NCUA.
What is the oldest bank in Monticello?
First Merchants Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1893.
Which credit unions can I join in Monticello?
Industrial Credit Union and Lakes Credit Union have offices in Monticello. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Monticello 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 Monticello?
Nearby cities with more banks include Delphi, Flora, Remington. Delphi is 13 miles away with 3 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 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 2 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 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 |
See your odds before you apply
Banrox shows how likely a card or loan is for your profile, from your own data, without a hard pull. Platform live; card in early access; no card issued.
Check your odds