29 banks and credit unions have branches in the Waterbury-Shelton metro area. The Bank Fee Index holds published fees for 24 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Connecticut
Waterbury-Shelton metro counts institutions with a branch here, wherever headquartered. Connecticut counts institutions headquartered in the state.
Waterbury-Shelton metro
14 institutions with a branch here
$2
Connecticut
29 institutions headquartered in Connecticut
$1
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Waterbury-Shelton metro median sits furthest from Connecticut's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Waterbury-Shelton metro 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 $10 to $37.50.
Median published overdraft fee
Waterbury-Shelton metro
17 institutions with a branch here
$35
Connecticut
34 institutions headquartered in Connecticut
$32.50
U.S.
2,605 institutions in the index
$30
Waterbury-Shelton metro 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.
29 institutions, 17 with a published overdraft fee.
Bank · based in Naugatuck, CT · 14 branches 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”
Bank · based in Thomaston, CT · 12 branches here
Bank · based in Sioux Falls, SD · 10 branches 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 Buffalo, NY · 10 branches here
Account not yet known
“Overdraft Fee | $15.00 for each overdraft item we pay, unless one of the following exceptions apply:”
Bank · based in Wilmington, DE · 9 branches here
Account not yet known
“$35 fee per overdraft”
Bank · based in Charlotte, NC · 6 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Newtown, CT · 6 branches here
Account not yet known
if the total overdrafts for the day result in an ending account balance of no more than $10.00 overdrawn
“We will not assess a $37.00 Insufficient Funds Fee – Paid fee if the total overdrafts for the day result in an ending account balance of no more than $10.00 overdrawn.”
Bank · based in Middletown, CT · 5 branches here
Account not yet known
“Overdraft Item (Insufficient Funds Charge – Paid)2 Check, POS, Electronic or Recurring ACH - Paid | $35.00”
Bank · based in Columbus, OH · 4 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Credit union, membership rules apply · based in Shelton, CT · 4 branches here
Account not yet known
“Courtesy Pay | $37.50 Courtesy Pay Fee per item”
Largest banks by local bank deposits
Share of the $12.5 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Waterbury-Shelton metro's counties
Deposits and branches cover the Waterbury-Shelton metro. Population and income cover the metro's counties. 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 the metro's counties.
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