9 banks and credit unions have branches in Saint Joseph. 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
Saint Joseph counts institutions with a branch here, wherever headquartered. Michigan counts institutions headquartered in the state.
Saint Joseph
5 institutions with a branch here
$0
Michigan
114 institutions headquartered in Michigan
$29
U.S.
2,857 institutions in the index
$30
Chosen as the fee whose Saint Joseph median sits furthest from Michigan's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Saint Joseph 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
Saint Joseph
7 institutions with a branch here
$30
Michigan
109 institutions headquartered in Michigan
$29
U.S.
2,605 institutions in the index
$30
Saint Joseph 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.
9 institutions, 7 with a published overdraft fee.
Bank · based in South Bend, IN · 3 branches here
Account not yet known
“Overdraft Item Fee | $36 per item | When the current balance in your account is insufficient to cover an item, we may”
Credit union, membership rules apply · based in St Joseph, MI · 3 branches here
Account not yet known
“imposing a Courtesy Pay fee ($25) for each overdraft we pay.”
Bank · based in Sturgis, MI · 2 branches here
Bank · based in Michigan City, IN · 2 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 · 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
“+$34 OVERDRAFT FEE)”
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 Berrien Springs, MI · 1 branch here
Account not yet known
“Courtesy Pay Fee1 $22.00 per item Maintain positive balance to cover pending purchases or Inquiries thereafter”
Largest banks by local bank deposits
Share of the $838 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Berrien County
Deposits and branches cover the City of Saint Joseph. Population and income cover Berrien County, the county with most of Saint Joseph'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 Berrien County.
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