10 banks and credit unions have branches in Owosso. The Bank Fee Index holds published fees for 7 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Michigan
Owosso counts institutions with a branch here, wherever headquartered. Michigan counts institutions headquartered in the state.
Owosso
6 institutions with a branch here
$2.50
Michigan
74 institutions headquartered in Michigan
$1.56
U.S.
1,651 institutions in the index
$1.50
Chosen as the fee whose Owosso median sits furthest from Michigan's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Owosso 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
Owosso
5 institutions with a branch here
$35
Michigan
109 institutions headquartered in Michigan
$29
U.S.
2,605 institutions in the index
$30
Owosso 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.
10 institutions, 5 with a published overdraft fee.
Bank · based in Cincinnati, OH · 2 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 Columbus, OH · 2 branches here
Account not yet known
“Overdraft Fee | $15.00 Per overdraft item. No overdraft fees unless final account”
Bank · based in Providence, RI · 1 branch here
Account not yet known
“Overdraft Fee | $35 Per item paid if your account is overdrawn”
Bank · based in Michigan City, IN · 1 branch here
Credit union, membership rules apply · based in Grand Blanc, MI · 1 branch here
Account not yet known
“If we pay an overdraft item on your behalf using Overdraft Privilage, your account will be charged a fee of $25 for each transaction paid.”
Credit union, membership rules apply · based in Frankenmuth, MI · 1 branch here
Credit union, membership rules apply · based in Lansing, MI · 1 branch here
Credit union, membership rules apply · based in Portland, MI · 1 branch here
Credit union, membership rules apply · based in Grand Blanc, MI · 1 branch here
Account not yet known
“Courtesy Pay Fee* | $35.00 per presentment”
Credit union, membership rules apply · based in Saginaw, MI · 1 branch here
Largest banks by local bank deposits
Share of the $524 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Shiawassee County
Deposits and branches cover the City of Owosso. Population and income cover Shiawassee County, the county with most of Owosso'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 Shiawassee County.
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