5 banks and credit unions have branches in Dowagiac. The Bank Fee Index holds published fees for 5 of them.
The count includes institutions based elsewhere that have a branch here.
Compared with Michigan
Where a fee has enough institutions for a local median, the Dowagiac median is within 10% of the Michigan median on all 2 fees.
Dowagiac counts institutions with a branch here, wherever headquartered. Michigan counts institutions headquartered in the state.
Pick a fee to compare Dowagiac 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
Dowagiac
5 institutions with a branch here
$30
Michigan
109 institutions headquartered in Michigan
$29
U.S.
2,601 institutions in the index
$30
Dowagiac 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.
5 institutions, 5 with a published overdraft fee.
Bank · based in Cincinnati, OH · 1 branch here
Account not yet known
“If Overdraft Coverage is used, the per item fee for each overdraft is $37 per item.”
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“Overdraft Fee | $15.00 Per overdraft item. No overdraft fees unless final account”
Bank · based in South Bend, IN · 1 branch 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”
Credit union, membership rules apply · based in Dowagiac, MI · 1 branch here
Account not yet known
“Courtesy Pay Fee | $30.00”
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”
Largest banks by local bank deposits
Share of the $235 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Cass County
Deposits and branches cover the City of Dowagiac. Population and income cover Cass County, the county with most of Dowagiac'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 Cass County.
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