11 banks and credit unions have branches in Petoskey. The Bank Fee Index holds published fees for 9 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Michigan
Petoskey counts institutions with a branch here, wherever headquartered. Michigan counts institutions headquartered in the state.
Petoskey
5 institutions with a branch here
$12
Michigan
51 institutions headquartered in Michigan
$5.95
U.S.
1,904 institutions in the index
$6.99
Chosen as the fee whose Petoskey median sits furthest from Michigan's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Petoskey 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
Petoskey
9 institutions with a branch here
$34
Michigan
109 institutions headquartered in Michigan
$29
U.S.
2,605 institutions in the index
$30
Petoskey 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.
11 institutions, 9 with a published overdraft fee.
Bank · based in Harbor Springs, MI · 3 branches here
Credit union, membership rules apply · based in Petoskey, MI · 3 branches here
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 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.”
Credit union, membership rules apply · based in Traverse City, MI · 2 branches here
Account not yet known
“Courtesy Pay | $25.00 each (up to 2 per day, then no charge)”
Credit union, membership rules apply · based in Onaway, MI · 2 branches here
Account not yet known
“Overdraft Privilege Standard or Extended Coverage | $25 Overdraft Fee per item presented*”
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Cheboygan, MI · 1 branch here
Account not yet known
“Overdraft Fee | $35.00”
Bank · based in Green Bay, WI · 1 branch here
Account not yet known
“Overdraft Fees-(Paid NSF ltem(s) Fee) $35.00”
Largest banks by local bank deposits
Share of the $848 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Emmet County
Deposits and branches cover the City of Petoskey. Population and income cover Emmet County, the county with most of Petoskey'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 Emmet County.
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