Fee benchmarks for 246 financial institutions in Michigan, compared against national medians. Part of Federal Reserve District 7 (Chicago).
Data refreshed Oct 5, 2026 · 21,714 verified fees nationally
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Michigan medians against national, sent each time the state index refreshes — plus a link to the sample Competitive Fee Position Report.
Institutions
246
With Fee Data
72
Banks
74
Credit Unions
172
How fees compare between banks and credit unions in this state.
| Charter | Institutions | Fee Observations |
|---|---|---|
| Banks | 74 | 52 |
| Credit Unions | 172 | 486 |
32 fee categories with sufficient data. Green deltas indicate below-national fees; red indicates above.
| Fee Category | Michigan Median | National Median | Delta | Institutions |
|---|---|---|---|---|
| Overdraft (OD) | $27.50 | $29.00 | -5.2% | 28 |
| Stop Payment | $27.25 | $27.00 | +0.9% | 28 |
| NSF / Returned Item | $28.00 | $29.00 | -3.4% | 25 |
Data sourced from published fee schedules of FDIC-insured banks and NCUA-insured credit unions in Michigan. Medians computed from extracted fee amounts excluding rejected reviews. Delta shows percentage difference from the national median. Institutions with fewer than 3 observations per category are excluded from state-level reporting.
| Debit Card Replacement | $7.50 | $10.00 | -25.0% | 25 |
| Cashier's Check | $3.00 | $5.00 | -40.0% | 24 |
| Non-Network ATM | $2.00 | $1.50 | +33.3% | 18 |
| Paper Statement | $3.00 | $3.00 | - | 14 |
| Wire Transfer (Domestic Out) | $25.00 | $20.00 | +25.0% | 14 |
| Deposited Item Return | $15.00 | $15.00 | - | 12 |
| Wire Transfer (Domestic In) | $7.50 | $10.00 | -25.0% | 12 |
| OD Protection Transfer | $5.00 | $5.00 | - | 11 |
| Minimum Balance | $5.00 | $6.00 | -16.7% | 9 |
| Wire Transfer (Int'l Out) | $50.00 | $50.00 | - | 7 |
| Monthly Maintenance | $5.00 | $6.00 | -16.7% | 6 |
18 more fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.