Homestead Savings Bank

Headquarters: Albion, Michigan
Charter: Bank
Assets: $71.6M
Fed district: Chicago

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

Source: its fee schedule, read Oct 6, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Homestead Savings Bank: $10
Homestead Savings Bank: $10
U.S. median: no median
Overdraft (OD)
Homestead Savings Bank: $35
Homestead Savings Bank: $35
U.S. median: no median
Non-Network ATM
Homestead Savings Bank: $2
Homestead Savings Bank: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 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 Homestead Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance Fee - Wow Checking Account$10
per month
Minimum Balance Fee - Market Rate Savings$25
Minimum Balance Fee - Statement Savings Account$3
Closed Account Fee - If closed within 90 days$25
Dormant Account - Checking (Monthly)$5
per month
Research/Reconciliation - Per Hour$35
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$2
Return Mail - No Forwarding Address$5

Overdraft & NSF

Overdraft Fee$35

ATM & Card

ATM Fee - Foreign Atm$2
ATM / Debit Card Reissue Fee$7.50

Wire Transfers

Wire Transfer Out - Canadian$35
Wire Transfer Out - Domestic$35
Wire Transfer Out - International$50

Check Services

Cashier's Check$5
Money Order Purchase$4
Stop Payment$35
Check Cashing Fee - Non Customer$10
Photo Copy - Official Check$5
Photo Copy - Personal Check$5

Cash & Deposit

Returned Deposit Item$7

Account Services

Notary Fee - non customer$10
Safe Deposit Box Annual Rental Fee 10x10$100
per year
Safe Deposit Box Annual Rental Fee 3x10$50
per year
Safe Deposit Box Annual Rental Fee 3x5$40
per year
Safe Deposit Box Annual Rental Fee 5x10$70
per year
Safe Deposit Box Lost Key Fee$25
Not compared: Box drilling or key fee
Garnishment/Levy$100
Verification of Deposit$10

Other Fees

Fax Fee$2
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Fee - Wow Checking Account	$10	per month	None
Minimum Balance Fee - Market Rate Savings	$25	Not stated	None
Minimum Balance Fee - Statement Savings Account	$3	Not stated	None
Closed Account Fee - If closed within 90 days	$25	Not stated	None
Dormant Account - Checking (Monthly)	$5	per month	None
Research/Reconciliation - Per Hour	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$2	Not stated	None
Return Mail - No Forwarding Address	$5	Not stated	None
Overdraft & NSF
Overdraft Fee	$35	Not stated	None
ATM & Card
ATM Fee - Foreign Atm	$2	Not stated	None
ATM / Debit Card Reissue Fee	$7.50	Not stated	None
Wire Transfers
Wire Transfer Out - Canadian	$35	Not stated	None
Wire Transfer Out - Domestic	$35	Not stated	None
Wire Transfer Out - International	$50	Not stated	None
Check Services
Cashier's Check	$5	Not stated	None
Money Order Purchase	$4	Not stated	None
Stop Payment	$35	Not stated	None
Check Cashing Fee - Non Customer	$10	Not stated	None
Photo Copy - Official Check	$5	Not stated	None
Photo Copy - Personal Check	$5	Not stated	None
Cash & Deposit
Returned Deposit Item	$7	Not stated	None
Account Services
Notary Fee - non customer	$10	Not stated	None
Safe Deposit Box Annual Rental Fee 10x10	$100	per year	None
Safe Deposit Box Annual Rental Fee 3x10	$50	per year	None
Safe Deposit Box Annual Rental Fee 3x5	$40	per year	None
Safe Deposit Box Annual Rental Fee 5x10	$70	per year	None
Safe Deposit Box Lost Key Fee	$25Not compared: Box drilling or key fee	Not stated	None
Garnishment/Levy	$100	Not stated	None
Verification of Deposit	$10	Not stated	None
Other Fees
Fax Fee	$2	per item	None

Correct a fee source

Oct 6, 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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