5 banks and credit unions have branches in Spring Lake. The Bank Fee Index holds published fees for 5 of them.
The count includes institutions based elsewhere that have a branch here.
Compared with Michigan
Where a fee has enough institutions for a local median, the Spring Lake median is within 10% of the Michigan median on all 2 fees.
Spring Lake counts institutions with a branch here, wherever headquartered. Michigan counts institutions headquartered in the state.
Pick a fee to compare Spring Lake 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
Spring Lake
5 institutions with a branch here
$28
Michigan
109 institutions headquartered in Michigan
$29
U.S.
2,605 institutions in the index
$30
Spring Lake 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.
5 institutions, 5 with a published overdraft fee.
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
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 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.”
Credit union, membership rules apply · based in Grand Rapids, MI · 1 branch here
Account not yet known
“Courtesy Pay | $25.00/occurence”
Credit union, membership rules apply · based in Muskegon, MI · 1 branch here
Account not yet known
“Courtesy Pay | $28.00 per Item”
Largest banks by local bank deposits
Share of the $283 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Ottawa County
Deposits and branches cover the City of Spring Lake. Population and income cover Ottawa County, the county with most of Spring Lake'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 Ottawa County.
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