The Shelby State Bank

Headquarters: Shelby, Michigan
Charter: Bank
Assets: $397.0M
Fed district: Chicago

20 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 10, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
The Shelby State Bank: $35
The Shelby State Bank: $35
U.S. median: no median
NSF / Returned Item
The Shelby State Bank: $35
The Shelby State Bank: $35
U.S. median: no median
Wire Transfer (Domestic Out)
The Shelby State Bank: $30
The Shelby State Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Michigan, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Michigan: Banks and credit unions headquartered in Michigan that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from The Shelby State Bank’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account Fee$3
per month
Account Balancing$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Charge$3

Overdraft & NSF

Overdraft Items$35
per item
Non-sufficient Funds Items$35
per item

ATM & Card

ATM/Debit Card Replacement$10

Wire Transfers

Outgoing Wire Fee$30
Incoming Wire Fee$15
Foreign Wire Fee$60

Check Services

Cashier's Checks$6
Personal Money Orders$5
Stop Payment Order$35
Temporary Checks$0.50
per item
Non-Customer Check Cashing of SSB checks$5
Check Image Copies$3

Cash & Deposit

Return Item Charges$15
per item

Account Services

Notary (customer)No charge
Notary (non-customer)$5
3x10 long$50
per year
3x10 short$35
per year
Lost Safe Deposit Box Key$25
Not compared: Box drilling or key fee
Safe Deposit Box 10x10$90
per year
Safe Deposit Box 2x5$32
per year
Safe Deposit Box 3x5$35
per year
Safe Deposit Box 4x10$50
per year
Safe Deposit Box 4x5$36
per year
Safe Deposit Box 5x10$60
per year
Safe Deposit Box 5x5$40
per year
Safe Deposit Box Drilling$175
Not compared: Box drilling or key fee
Safe Deposit Box Late Fee$10
Not compared: Box drilling or key fee
Executions, Garnishments, Levies$100
Deposit Account Verification$10
Loan Account Verification$10

Gift & Prepaid Cards

Gift Cards$3

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee	$3	per month	None
Account Balancing	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Charge	$3	Not stated	None
Overdraft & NSF
Overdraft Items	$35	per item	None
Non-sufficient Funds Items	$35	per item	None
ATM & Card
ATM/Debit Card Replacement	$10	Not stated	None
Wire Transfers
Outgoing Wire Fee	$30	Not stated	None
Incoming Wire Fee	$15	Not stated	None
Foreign Wire Fee	$60	Not stated	None
Check Services
Cashier's Checks	$6	Not stated	None
Personal Money Orders	$5	Not stated	None
Stop Payment Order	$35	Not stated	None
Temporary Checks	$0.50	per item	None
Non-Customer Check Cashing of SSB checks	$5	Not stated	None
Check Image Copies	$3	Not stated	None
Cash & Deposit
Return Item Charges	$15	per item	None
Account Services
Notary (customer)	No charge	Not stated	None
Notary (non-customer)	$5	Not stated	None
3x10 long	$50	per year	None
3x10 short	$35	per year	None
Lost Safe Deposit Box Key	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10x10	$90	per year	None
Safe Deposit Box 2x5	$32	per year	None
Safe Deposit Box 3x5	$35	per year	None
Safe Deposit Box 4x10	$50	per year	None
Safe Deposit Box 4x5	$36	per year	None
Safe Deposit Box 5x10	$60	per year	None
Safe Deposit Box 5x5	$40	per year	None
Safe Deposit Box Drilling	$175Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Late Fee	$10Not compared: Box drilling or key fee	Not stated	None
Executions, Garnishments, Levies	$100	Not stated	None
Deposit Account Verification	$10	Not stated	None
Loan Account Verification	$10	Not stated	None
Gift & Prepaid Cards
Gift Cards	$3	Not stated	None

Correct a fee source

Oct 10, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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