2 banks and credit unions have branches in Lincoln. The Bank Fee Index holds published fees for 1 of them.
The count includes institutions based elsewhere that have a branch here.
Medians for reference: Michigan $2.75 · U.S. $3
Local median not shown; five institutions required.
Pick a fee to compare Lincoln with Michigan and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Median published overdraft fee
Lincoln
0 institutions with a branch here
None published
Michigan
109 institutions headquartered in Michigan
$29
U.S.
2,605 institutions in the index
$30
2 institutions, 0 with a published overdraft fee.
Credit union, membership rules apply · based in Alpena, MI · 2 branches here
Bank · based in East Tawas, MI · 1 branch here
Largest banks by local bank deposits
Share of the $25 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Alcona County
Deposits and branches cover the City of Lincoln. Population and income cover Alcona County, the county with most of Lincoln'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 Alcona 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