9 banks and credit unions have branches in Coldwater. The Bank Fee Index holds published fees for 7 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Michigan
Coldwater counts institutions with a branch here, wherever headquartered. Michigan counts institutions headquartered in the state.
Coldwater
6 institutions with a branch here
$9
Michigan
51 institutions headquartered in Michigan
$5.95
U.S.
1,904 institutions in the index
$6.99
Chosen as the fee whose Coldwater median sits furthest from Michigan's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Coldwater with Michigan 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 $15 to $36.
Median published overdraft fee
Coldwater
7 institutions with a branch here
$29
Michigan
109 institutions headquartered in Michigan
$29
U.S.
2,605 institutions in the index
$30
Coldwater covers every institution with a branch here, wherever it is headquartered. Michigan covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
9 institutions, 7 with a published overdraft fee.
Bank · based in Coldwater, MI · 4 branches here
Bank · based in Coldwater, MI · 3 branches here
Bank · based in Columbus, OH · 2 branches here
Account not yet known
“Overdraft Fee | $15.00 Per overdraft item. No overdraft fees unless final account”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Hicksville, NY · 1 branch here
Account not yet known
“assess an Overdraft Charge of $30 per Item. However, we will not charge you more than three Overdraft”
Credit union, membership rules apply · based in Oshtemo, MI · 1 branch here
Account not yet known
“Paid item (non-Courtesy Pay) | $35.00 per item | each additional item is”
Credit union, membership rules apply · based in Berrien Springs, MI · 1 branch here
Account not yet known
“Courtesy Pay Fee1 $22.00 per item Maintain positive balance to cover pending purchases or Inquiries thereafter”
Credit union, membership rules apply · based in Battle Creek, MI · 1 branch here
Account not yet known
“NSF, Courtesy Pay, or Overdraft Fee (paid or unpaid)¹ | $27.00 Maintain positive balance to cover pending purchases, eAlerts”
Credit union, membership rules apply · based in Marshall, MI · 1 branch here
Account not yet known
“Courtesy Pay (Checks, ATM, ACH & Purchases) | $29.00/item”
Largest banks by local bank deposits
Share of the $888 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Branch County
Deposits and branches cover the City of Coldwater. Population and income cover Branch County, the county with most of Coldwater'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 Branch County.
Work at a bank or credit union here?
Hamilton, the Fee Insight workspace, sets an institution's own fees beside every institution in this market, with the source for each figure.
Choosing an account?
Open any institution above to see all of its published fees and where each one came from.
Search institutions