14 banks and credit unions have branches in the Midland metro area. 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
Midland metro counts institutions with a branch here, wherever headquartered. Michigan counts institutions headquartered in the state.
Midland metro
6 institutions with a branch here
$9.98
Michigan
50 institutions headquartered in Michigan
$5.98
U.S.
1,900 institutions in the index
$7
Chosen as the fee whose Midland metro median sits furthest from Michigan's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Midland 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 $15 to $37.
Median published overdraft fee
Midland metro
9 institutions with a branch here
$30
Michigan
109 institutions headquartered in Michigan
$29
U.S.
2,604 institutions in the index
$30
Midland 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.
14 institutions, 9 with a published overdraft fee.
Bank · based in Columbus, OH · 5 branches here
Account not yet known
“Overdraft Fee | $15.00 Per overdraft item. No overdraft fees unless final account”
Bank · based in Michigan City, IN · 2 branches here
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.”
Bank · based in Mount Pleasant, MI · 2 branches here
Credit union, membership rules apply · based in Midland, MI · 2 branches here
Account not yet known
“$27.00 | Member Privilege Overdraft Protection, per item paid”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Saginaw, MI · 1 branch here
Bank · based in Grand Rapids, MI · 1 branch here
Credit union, membership rules apply · based in Midland, MI · 1 branch here
Account not yet known
“Courtesy Pay Fee (Courtesy Pay Fee applies to overdrafts created by check, in‑person withdrawal, ATM withdrawal, or other electronic means as applicable) | $20.00”
Credit union, membership rules apply · based in Frankenmuth, MI · 1 branch here
Largest banks by local bank deposits
Share of the $1.2 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Midland metro's counties
Deposits and branches cover the Midland 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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