9 banks and credit unions have branches in Amherst. The Bank Fee Index holds published fees for 8 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Massachusetts
Amherst counts institutions with a branch here, wherever headquartered. Massachusetts counts institutions headquartered in the state.
Amherst
6 institutions with a branch here
$12.48
Massachusetts
70 institutions headquartered in Massachusetts
$6.75
U.S.
1,904 institutions in the index
$6.99
Chosen as the fee whose Amherst median sits furthest from Massachusetts's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Amherst with Massachusetts 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 $35.
Median published overdraft fee
Amherst
6 institutions with a branch here
$28.50
Massachusetts
81 institutions headquartered in Massachusetts
$30
U.S.
2,605 institutions in the index
$30
Amherst covers every institution with a branch here, wherever it is headquartered. Massachusetts covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
9 institutions, 6 with a published overdraft fee.
Bank · based in Charlotte, NC · 1 branch here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“$35 fee per overdraft”
Bank · based in Florence, MA · 1 branch here
Bank · based in Greenfield, MA · 1 branch here
Account not yet known
“Overdraft Fee (OD)* | $25.00”
Bank · based in Holyoke, MA · 1 branch here
Account not yet known
“Overdraft Fee set forth in our Fee Schedule ($34.00”
Bank · based in Greenfield, MA · 1 branch here
Bank · based in Buffalo, NY · 1 branch 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 Easthampton, MA · 1 branch here
Credit union, membership rules apply · based in Hadley, MA · 1 branch here
Account not yet known
“Overdraft service charge of $32.00 will be imposed for overdrafts created by checks, ACH, ATM withdrawals, everyday debit card transactions, in-person withdrawals, or by other elec”
Largest banks by local bank deposits
Share of the $1.2 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Hampshire County
Deposits and branches cover the City of Amherst. Population and income cover Hampshire County, the county with most of Amherst'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 Hampshire County.
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