19 banks and credit unions have branches in the Bay City metro area. The Bank Fee Index holds published fees for 13 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Michigan
Bay City metro counts institutions with a branch here, wherever headquartered. Michigan counts institutions headquartered in the state.
Bay City metro
8 institutions with a branch here
$5
Michigan
102 institutions headquartered in Michigan
$7.75
U.S.
2,744 institutions in the index
$10
Chosen as the fee whose Bay City metro median sits furthest from Michigan's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Bay City 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 $10 to $37.
Median published overdraft fee
Bay City metro
12 institutions with a branch here
$28.50
Michigan
109 institutions headquartered in Michigan
$29
U.S.
2,605 institutions in the index
$30
Bay City 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.
19 institutions, 12 with a published overdraft fee.
Bank · based in Columbus, OH · 7 branches here
Account not yet known
“Overdraft Fee | $15.00 Per overdraft item. No overdraft fees unless final account”
Bank · based in Grand Rapids, MI · 5 branches here
Account not yet known
“Overdraft or Returned Item fee (per item)+ $34.00 ^ Fees apply to overdrafts created by check, in-person withdrawal, ATM”
Credit union, membership rules apply · based in Bay City, MI · 3 branches here
Credit union, membership rules apply · based in Saginaw, MI · 3 branches here
Account not yet known
“Overdraft (each overdraft paid) … $30.00”
Bank · based in Wilmington, DE · 2 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Saginaw, MI · 2 branches here
Credit union, membership rules apply · based in Lombard, IL · 2 branches here
Credit union, membership rules apply · based in Grand Blanc, MI · 2 branches here
Account not yet known
“Courtesy Pay ($5.01 or more withdrawn from negative balance) … $15.00”
Credit union, membership rules apply · based in Flint, MI · 2 branches here
Account not yet known
“Courtesy Pay Overdraft (per item) | $10.00/$30.00 each”
Credit union, membership rules apply · based in Bay City, MI · 2 branches here
Account not yet known
“NSF Item Paid … $25.00 per item”
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 Bay City metro's counties
Deposits and branches cover the Bay City 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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