vs. U.S. typical range:LowerTypicalHigher
$2 below the national median$2 below the Michigan median
per month · Source
$7.50 above the national median$6.25 above the Michigan median
At the national median$0.50 above the Michigan median
$5 above the national median$6 above the Michigan median
per item · Source
$5 above the national median$6 above the Michigan median
per item · Source
At the national median$2.50 above the Michigan median
$5 above the national median$5 above the Michigan median
$5 above the national median$10 above the Michigan median
$10 above the national median$15 above the Michigan median
Knox extract.rules v21 categorized a line held for review from Rosetta artifact #11472. canonical_hint=wire_intl_outgoing; text_hash=a5d8320c021e7015d805b55fe7ce86006f1fd10b6847c6f68c72ec8db7ffbda0; excerpt="Foreign Wire Fee | $60" · Source
$1 above the national median$3 above the Michigan median
$3 above the national median$3 above the Michigan median
$7.50 above the national median$8 above the Michigan median
$1.50 below the national median$1.50 below the Michigan median
per item · Source
At the national medianAt the Michigan median
At the national median$0.50 below the Michigan median
At the national medianAt the Michigan median
per item · Source
$2.50 below the national median$5 below the Michigan median
$2.50 above the national medianAt the Michigan median
$5 above the national median$1 above the Michigan median
per year · Source
$10 below the national median$14 below the Michigan median
per year · Source
$20 below the national median$24 below the Michigan median
$45 above the national median$41 above the Michigan median
per year · Source
$13 below the national median$17 below the Michigan median
per year · Source
$9 below the national median$13 below the Michigan median
per year · Source
$15 above the national median$11 above the Michigan median
per year · Source
$5 below the national median$9 below the Michigan median
per year · Source
$130 above the national median$126 above the Michigan median
$35 below the national median$39 below the Michigan median
$50 above the national median$50 above the Michigan median
At the national medianAt the Michigan median
$0.50 below the national median$1 below the Michigan median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Dormant Account Fee | $3Below the typical range ($5–$10 nationally) | $2 below the national median$2 below the Michigan median | per month | — | Source |
| Account Balancing | $25Within the typical range ($11–$25 nationally) | $7.50 above the national median$6.25 above the Michigan median | — | — | Source |
| Paper Statement Charge | $3Within the typical range ($2–$4.50 nationally) | At the national median$0.50 above the Michigan median | — | — | Source |
Overdraft & NSFVerified | |||||
| Overdraft Items | $35Above the typical range ($25–$33 nationally) | $5 above the national median$6 above the Michigan median | per item | — | Source |
| Non-sufficient Funds Items | $35 | ||||
ATM & CardVerified | |||||
| ATM/Debit Card Replacement | $10Within the typical range ($5–$10 nationally) | At the national median$2.50 above the Michigan median | — | — | Source |
Wire TransfersVerified | |||||
| Outgoing Wire Fee | $30Above the typical range ($20–$25 nationally) | $5 above the national median$5 above the Michigan median | — | — | Source |
| Incoming Wire Fee | $15 | ||||
Check ServicesVerified | |||||
| Cashier's Checks | $6Within the typical range ($3–$6 nationally) | $1 above the national median$3 above the Michigan median | — | — | Source |
| Personal Money Orders | $5 | ||||
Cash & DepositVerified | |||||
| Return Item Charges | $15Within the typical range ($8–$25 nationally) | At the national medianAt the Michigan median | per item | — | Source |
Account ServicesVerified | |||||
| Notary (customer) | $0Within the typical range ($0–$5 nationally) | $2.50 below the national median$5 below the Michigan median | — | — | Source |
| Notary (non-customer) | $5 | ||||
Gift & Prepaid CardsVerified | |||||
| Gift Cards | $3Within the typical range ($3–$4.95 nationally) | $0.50 below the national median$1 below the Michigan median | — | — | Source |
Its state has too few comparable institutions, so these are its Fed district peers.
Overdraft
$35.00
Of 114 others that publish it, 86 lower, 22 the same and 6 higher.
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$35
Headline fees published
10 of 15
Published fees
31
Under review
0
Assets
$397.0M
Work at The Shelby State Bank? See every fee vs. your peers.
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Financial Context
Financials as of Q2 2026 · FDIC call report
Total assets
$397.0M
Total deposits
$339.5M
Service charge income
$156K
Fee income ratio
3.5%
Return on assets
0.99%
Branches
9
Service charge income by quarter
Financial profile · Pro
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| $5 above the national median$6 above the Michigan median |
| per item |
| — |
| Source |
| $5 above the national median$10 above the Michigan median |
| — |
| — |
| Source |
| Foreign Wire Fee | $60Above the typical range ($40–$50 nationally) | $10 above the national median$15 above the Michigan median | — | Knox extract.rules v21 categorized a line held for review from Rosetta artifact #11472. canonical_hint=wire_intl_outgoing; text_hash=a5d8320c021e7015d805b55fe7ce86006f1fd10b6847c6f68c72ec8db7ffbda0; excerpt="Foreign Wire Fee | $60" | Source |
| $3 above the national median$3 above the Michigan median |
| — |
| — |
| Source |
| Stop Payment Order | $35Above the typical range ($20–$30 nationally) | $7.50 above the national median$8 above the Michigan median | — | — | Source |
| Temporary Checks | $0.50Below the typical range ($1–$4 nationally) | $1.50 below the national median$1.50 below the Michigan median | per item | — | Source |
| Non-Customer Check Cashing of SSB checks | $5Within the typical range ($5–$10 nationally) | At the national medianAt the Michigan median | — | — | Source |
| Check Image Copies | $3Within the typical range ($2–$5 nationally) | At the national median$0.50 below the Michigan median | — | — | Source |
| $2.50 above the national medianAt the Michigan median |
| — |
| — |
| Source |
| 3x10 long | $50Within the typical range ($30–$70 nationally) | $5 above the national median$1 above the Michigan median | per year | — | Source |
| 3x10 short | $35Within the typical range ($30–$70 nationally) | $10 below the national median$14 below the Michigan median | per year | — | Source |
| Lost Safe Deposit Box Key | $25Below the typical range ($30–$70 nationally) | $20 below the national median$24 below the Michigan median | — | — | Source |
| Safe Deposit Box 10x10 | $90Above the typical range ($30–$70 nationally) | $45 above the national median$41 above the Michigan median | per year | — | Source |
| Safe Deposit Box 2x5 | $32Within the typical range ($30–$70 nationally) | $13 below the national median$17 below the Michigan median | per year | — | Source |
| Safe Deposit Box 4x5 | $36Within the typical range ($30–$70 nationally) | $9 below the national median$13 below the Michigan median | per year | — | Source |
| Safe Deposit Box 5x10 | $60Within the typical range ($30–$70 nationally) | $15 above the national median$11 above the Michigan median | per year | — | Source |
| Safe Deposit Box 5x5 | $40Within the typical range ($30–$70 nationally) | $5 below the national median$9 below the Michigan median | per year | — | Source |
| Safe Deposit Box Drilling | $175Above the typical range ($30–$70 nationally) | $130 above the national median$126 above the Michigan median | — | — | Source |
| Safe Deposit Box Late Fee | $10Below the typical range ($30–$70 nationally) | $35 below the national median$39 below the Michigan median | — | — | Source |
| Executions, Garnishments, Levies | $100Above the typical range ($30–$90 nationally) | $50 above the national median$50 above the Michigan median | — | — | Source |
| Deposit Account Verification | $10Within the typical range ($5–$15 nationally) | At the national medianAt the Michigan median | — | — | Source |