8 banks and credit unions have branches in Watertown. The Bank Fee Index holds published fees for 7 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Connecticut
Watertown counts institutions with a branch here, wherever headquartered. Connecticut counts institutions headquartered in the state.
Watertown
5 institutions with a branch here
$10
Connecticut
23 institutions headquartered in Connecticut
$5.50
U.S.
1,903 institutions in the index
$7
Chosen as the fee whose Watertown median sits furthest from Connecticut's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Watertown with Connecticut 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 $30 to $37.50.
Median published overdraft fee
Watertown
5 institutions with a branch here
$35
Connecticut
34 institutions headquartered in Connecticut
$32.50
U.S.
2,605 institutions in the index
$30
Watertown covers every institution with a branch here, wherever it is headquartered. Connecticut covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
8 institutions, 5 with a published overdraft fee.
Credit union, membership rules apply · based in Waterbury, CT · 2 branches here
Bank · based in Sioux Falls, SD · 1 branch here
Account not yet known
“Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we char”
Bank · based in Thomaston, CT · 1 branch here
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“$35 fee per overdraft”
Bank · based in Winsted, CT · 1 branch here
Account not yet known
“Insufficient Funds Charge - paid ...................................................................................................................................................”
Bank · based in Naugatuck, CT · 1 branch here
Account not yet known
“• We will charge you a fee of $30.00 each time we pay an overdraft. We will not charge you a fee if you are”
Credit union, membership rules apply · based in Waterbury, CT · 1 branch here
Credit union, membership rules apply · based in Shelton, CT · 1 branch here
Account not yet known
“Courtesy Pay | $37.50 Courtesy Pay Fee per item”
Largest banks by local bank deposits
Share of the $872 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Naugatuck Valley Planning Region
Deposits and branches cover the City of Watertown. Population and income cover Naugatuck Valley Planning Region, the county with most of Watertown'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 Naugatuck Valley Planning Region.
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