20 banks and credit unions have branches in the Battle Creek metro area. The Bank Fee Index holds published fees for 17 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Michigan
Battle Creek metro counts institutions with a branch here, wherever headquartered. Michigan counts institutions headquartered in the state.
Battle Creek metro
11 institutions with a branch here
$8
Michigan
51 institutions headquartered in Michigan
$5.95
U.S.
1,903 institutions in the index
$7
Chosen as the fee whose Battle Creek metro median sits furthest from Michigan's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Battle Creek 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
Battle Creek metro
15 institutions with a branch here
$29
Michigan
109 institutions headquartered in Michigan
$29
U.S.
2,605 institutions in the index
$30
Battle Creek 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.
20 institutions, 15 with a published overdraft fee.
Credit union, membership rules apply · based in Battle Creek, MI · 6 branches here
Account not yet known
“Paid ACH Overdraft | $30.00 per item”
Bank · based in Columbus, OH · 4 branches here
Account not yet known
“Overdraft Fee | $15.00 Per overdraft item. No overdraft fees unless final account”
Bank · based in Cincinnati, OH · 3 branches here
Account not yet known
“If Overdraft Coverage is used, the per item fee for each overdraft is $37 per item.”
Bank · based in Coldwater, MI · 3 branches here
Credit union, membership rules apply · based in Battle Creek, MI · 3 branches here
Account not yet known
“Paid NSF | $29.00 per item”
Credit union, membership rules apply · based in Kalamazoo, MI · 2 branches here
Account not yet known
“Courtesy Pay Coverage on Overdraft2 | $28”
Credit union, membership rules apply · based in Jackson, MI · 2 branches here
Account not yet known
“Every time you utilize Courtesy Pay, your account will be assessed a Courtesy Pay charge of $25 per item.”
Credit union, membership rules apply · based in Oshtemo, MI · 2 branches 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 Battle Creek, MI · 2 branches here
Account not yet known
“Overdraft, per item $25.00 each”
Credit union, membership rules apply · based in Berrien Springs, MI · 2 branches 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 $1.3 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Battle Creek metro's counties
Deposits and branches cover the Battle Creek 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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