8 banks and credit unions have branches in Pontiac. The Bank Fee Index holds published fees for 6 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Michigan
Pontiac counts institutions with a branch here, wherever headquartered. Michigan counts institutions headquartered in the state.
Pontiac
5 institutions with a branch here
$12
Michigan
51 institutions headquartered in Michigan
$5.95
U.S.
1,903 institutions in the index
$7
Chosen as the fee whose Pontiac median sits furthest from Michigan's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Pontiac 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
Pontiac
6 institutions with a branch here
$32
Michigan
109 institutions headquartered in Michigan
$29
U.S.
2,605 institutions in the index
$30
Pontiac 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.
8 institutions, 6 with a published overdraft fee.
Bank · based in Wilmington, DE · 2 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Cincinnati, OH · 1 branch 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 · 1 branch here
Account not yet known
“Overdraft Fee | $15.00 Per overdraft item. No overdraft fees unless final account”
Bank · based in Hicksville, NY · 1 branch here
Account not yet known
“assess an Overdraft Charge of $30 per Item. However, we will not charge you more than three Overdraft”
Credit union, membership rules apply · based in Rochester Hills, MI · 1 branch here
Credit union, membership rules apply · based in Auburn Hills, MI · 1 branch here
Account not yet known
“Courtesy Pay Fee $28”
Credit union, membership rules apply · based in Wyandotte, MI · 1 branch here
Largest banks by local bank deposits
Share of the $326 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Oakland County
Deposits and branches cover the City of Pontiac. Population and income cover Oakland County, the county with most of Pontiac'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 Oakland County.
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