Banks in St. Charles, MN

Bank branch map: St. 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: 2 banks and credit unions operate 2 locations in St. Charles, according to the FDIC. 2 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 St. Charles

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

Short answer: Old National and Merchants Bank have the most locations in St. Charles, with 1 each. 2 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.

Merchants Bank 1 branch · main office Winona, MN Bank · 1

Merchants Bank has 1 branch in St. Charles, 20 across Minnesota and 22 nationwide. FDIC records list its main office in Winona, MN and show it operating since 1875. With $2.88 billion in total assets on June 30, 2026, it ranks No. 444 of 4,232 U.S. banks by total assets. The St. Charles Branch at 1130 Whitewater Ave dates to 1990 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• St. Charles Branch

  1130 Whitewater Ave, 55972

  Hours: see the bank's site
  DirectionsWebsite

Merchants Bank: profile, branches and contacts

Old National Old National Bank · 1 branch · main office Evansville, IN Bank · 1

Old National has 1 branch in St. Charles, 77 across Minnesota and 361 nationwide. FDIC records list its main office in Evansville, IN and show it operating since 1907. With $73.86 billion in total assets on June 30, 2026, it ranks No. 39 of 4,232 U.S. banks by total assets. The St. Charles Branch at 748 Whitewater Ave dates to 1999 in FDIC branch records. Its published hours do not list Saturday.

• St. Charles Branch

  748 Whitewater Ave, 55972

  (507) 932-5001Today 9 am to 5 pm

  All hours

  Mon to Fri 9 am to 5 pm; Sat to Sun not published

  Hours: Old National branch locator (All The Places), checked Oct 10, 2026

  DirectionsBranch page

Old National: profile, branches and contacts

Banking in St. Charles: the local picture

Short answer: 2 banks run 2 branches in St. 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 2 banks, 0 have their main office in St. Charles, 1 elsewhere in Minnesota and 1 out of state, according to the FDIC.

The bank with the longest record here is Merchants Bank, operating since 1875 according to the FDIC. In FDIC branch records, the longest-running branch is Merchants Bank's office at 1130 Whitewater Ave, dating to 1990; the newest is Old National's at 748 Whitewater Ave, from 1999.

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

Saturday hours in St. Charles

Short answer: None of the 1 St. Charles location with published hours lists Saturday hours. 1 location does not publish hours in these sources; call ahead.

Bank branches show hours only where the bank publishes them in a source this page uses; 1 of the 2 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 St. Charles, and where the nearest one is if they do not.

Short answer: No branches in St. Charles: Chase (nearest in Cottage Grove, 74 mi), Wells Fargo (nearest in Rochester, 20 mi), Bank of America (nearest in Apple Valley, 78 mi), PNC Bank, U.S. Bank (nearest in Rochester, 20 mi), Truist, Fifth Third Bank, Huntington (nearest in Cottage Grove, 74 mi), Regions Bank, TD Bank, BMO (nearest in Mabel, 34 mi).

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

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 St. Charles residents like anyone else.

Banks near St. 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 Chatfield (10 miles) and Plainview (14 miles). Rochester, 22 miles away, has the most banks nearby: 17.

Bank branch openings and closings in St. Charles

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

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

Largest banks in St. Charles by total assets

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

Short answer: Old National is the largest bank with offices in St. Charles, with $73.86 billion in total assets on June 30, 2026, No. 39 among U.S. banks by total assets. Merchants Bank is second with $2.88 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 St. Charles: FAQ

How we build this page

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