14 banks and credit unions have branches in the Niles metro area. The Bank Fee Index holds published fees for 11 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Michigan
Niles metro counts institutions with a branch here, wherever headquartered. Michigan counts institutions headquartered in the state.
Niles metro
7 institutions with a branch here
$10
Michigan
51 institutions headquartered in Michigan
$5.95
U.S.
1,903 institutions in the index
$7
Chosen as the fee whose Niles metro median sits furthest from Michigan's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Niles metro 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 $37.
Median published overdraft fee
Niles metro
8 institutions with a branch here
$27.50
Michigan
109 institutions headquartered in Michigan
$29
U.S.
2,605 institutions in the index
$30
Niles metro 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.
14 institutions, 8 with a published overdraft fee.
Credit union, membership rules apply · based in St Joseph, MI · 10 branches here
Account not yet known
“imposing a Courtesy Pay fee ($25) for each overdraft we pay.”
Bank · based in Columbus, OH · 9 branches here
Account not yet known
“Overdraft Fee | $15.00 Per overdraft item. No overdraft fees unless final account”
Bank · based in Cincinnati, OH · 7 branches here
Account not yet known
“If Overdraft Coverage is used, the per item fee for each overdraft is $37 per item.”
Credit union, membership rules apply · based in Berrien Springs, MI · 7 branches here
Account not yet known
“Courtesy Pay Fee1 $22.00 per item Maintain positive balance to cover pending purchases or Inquiries thereafter”
Bank · based in South Bend, IN · 5 branches here
Account not yet known
“Overdraft Item Fee | $36 per item | When the current balance in your account is insufficient to cover an item, we may”
Bank · based in Michigan City, IN · 4 branches here
Bank · based in Columbus, OH · 3 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Sturgis, MI · 3 branches here
Credit union, membership rules apply · based in South Bend, IN · 3 branches here
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”
Largest banks by local bank deposits
Share of the $2.2 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Niles metro's counties
Deposits and branches cover the Niles metro. Population and income cover the metro's counties. 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 the metro's counties.
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