19 banks and credit unions have branches in Springfield. The Bank Fee Index holds published fees for 18 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Massachusetts
Springfield counts institutions with a branch here, wherever headquartered. Massachusetts counts institutions headquartered in the state.
Springfield
8 institutions with a branch here
$3
Massachusetts
59 institutions headquartered in Massachusetts
$1.50
U.S.
1,651 institutions in the index
$1.50
Chosen as the fee whose Springfield median sits furthest from Massachusetts's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Springfield 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 $40.
Median published overdraft fee
Springfield
13 institutions with a branch here
$34
Massachusetts
81 institutions headquartered in Massachusetts
$30
U.S.
2,605 institutions in the index
$30
Springfield 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.
19 institutions, 13 with a published overdraft fee.
Bank · based in Wilmington, DE · 7 branches here
Account not yet known
“$35 fee per overdraft”
Bank · based in Buffalo, NY · 4 branches here
Account not yet known
“Overdraft Fee | $15.00 for each overdraft item we pay, unless one of the following exceptions apply:”
Credit union, membership rules apply · based in Springfield, MA · 4 branches here
Account not yet known
“You will be charged our normal overdraft or return item fee of $29.00 for each item that is presented”
Bank · based in Charlotte, NC · 3 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Brookline, MA · 3 branches here
Account not yet known
“Overdraft/Unavailable Funds (UAF) Overdraft Fee8,9,14 … $35.00”
Credit union, membership rules apply · based in Springfield, MA · 3 branches here
Bank · based in Holyoke, MA · 2 branches here
Account not yet known
“Overdraft Fee set forth in our Fee Schedule ($34.00”
Bank · based in Springfield, MA · 2 branches here
Account not yet known
Insufficient Funds (NSF) Fee | $34.00 for each presentment of an item for payment that we return due to insufficient funds or for each presentment of an overdraft item we pay, unless one of the following exceptions apply: The amount of the overdrawn balance is less than $10.00; Your account has already been charged a total of 4 NSF fees ($136) for items processed for payment on that business day Other stated price tier: $5.00 for each item we return due to insufficient funds or for each overdraft item we pay on accounts for customer ages 18 or younger or 65 and older in our 18/65 checking product, unless one of the following exceptions apply: The amount of the overdrawn balance is less than $10.00; Your account has already been charged a total of 4 NSF fees ($20) for items processed for payment on that business day NSF fees will not be charged to a Rise Checking account.
“Insufficient Funds (NSF) Fee | $34.00 for each presentment of an item for payment that we return due to insufficient funds or for each presentment of an overdraft item we pay, unless one of the following exceptions apply:”
Bank · based in Westfield, MA · 2 branches here
Bank · based in Providence, RI · 2 branches here
Account not yet known
“Overdraft Fee | $35 Per item paid if your account is overdrawn”
Largest banks by local bank deposits
Share of the $3.0 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Hampden County
Deposits and branches cover the City of Springfield. Population and income cover Hampden County, the county with most of Springfield'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 Hampden County.
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