12 banks and credit unions have branches in Saint Clair Shores. The Bank Fee Index holds published fees for 10 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Michigan
Saint Clair Shores counts institutions with a branch here, wherever headquartered. Michigan counts institutions headquartered in the state.
Saint Clair Shores
5 institutions with a branch here
$0
Michigan
114 institutions headquartered in Michigan
$29
U.S.
2,858 institutions in the index
$30
Chosen as the fee whose Saint Clair Shores median sits furthest from Michigan's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Saint Clair Shores 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
Saint Clair Shores
8 institutions with a branch here
$30
Michigan
109 institutions headquartered in Michigan
$29
U.S.
2,605 institutions in the index
$30
Saint Clair Shores 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.
12 institutions, 8 with a published overdraft fee.
Bank · based in Providence, RI · 2 branches here
Account not yet known
“Overdraft Fee | $35 Per item paid if your account is overdrawn”
Bank · based in Eastpointe, MI · 2 branches here
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
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 Charlotte, NC · 1 branch here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
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 Sterling Heights, MI · 1 branch here
Credit union, membership rules apply · based in Ferndale, MI · 1 branch here
Credit union, membership rules apply · based in Mount Clemens, MI · 1 branch here
Account not yet known
“Courtesy Pay | $30.00”
Largest banks by local bank deposits
Share of the $1.1 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Macomb County
Deposits and branches cover the City of Saint Clair Shores. Population and income cover Macomb County, the county with most of Saint Clair Shores'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 Macomb County.
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