8 banks and credit unions have branches in Gaylord. The Bank Fee Index holds published fees for 6 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Michigan
Gaylord counts institutions with a branch here, wherever headquartered. Michigan counts institutions headquartered in the state.
Gaylord
6 institutions with a branch here
$25
Michigan
109 institutions headquartered in Michigan
$29
U.S.
2,605 institutions in the index
$30
Chosen as the fee whose Gaylord median sits furthest from Michigan's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Gaylord 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
Gaylord
6 institutions with a branch here
$25
Michigan
109 institutions headquartered in Michigan
$29
U.S.
2,605 institutions in the index
$30
Gaylord 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.
8 institutions, 6 with a published overdraft fee.
Bank · based in Frankfort, MI · 2 branches here
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 Michigan City, IN · 1 branch here
Bank · based in Green Bay, WI · 1 branch here
Account not yet known
“Overdraft Fees-(Paid NSF ltem(s) Fee) $35.00”
Credit union, membership rules apply · based in Onaway, MI · 1 branch here
Account not yet known
“Overdraft Privilege Standard or Extended Coverage | $25 Overdraft Fee per item presented*”
Credit union, membership rules apply · based in Plymouth, MI · 1 branch here
Account not yet known
“Overdraft | $25.00 per paid presentment”
Credit union, membership rules apply · based in Alpena, MI · 1 branch here
Account not yet known
“Courtesy Pay Use Fee Per Paid Item | $25.00”
Largest banks by local bank deposits
Share of the $580 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Otsego County
Deposits and branches cover the City of Gaylord. Population and income cover Otsego County, the county with most of Gaylord'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 Otsego County.
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