45 banks and credit unions have branches in the Worcester metro area. The Bank Fee Index holds published fees for 41 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Massachusetts
Worcester metro counts institutions with a branch here, wherever headquartered. Massachusetts counts institutions headquartered in the state.
Worcester metro
9 institutions with a branch here
$3
Massachusetts
29 institutions headquartered in Massachusetts
$2
U.S.
1,230 institutions in the index
$3
Chosen as the fee whose Worcester metro median sits furthest from Massachusetts's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Worcester metro 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
Worcester metro
31 institutions with a branch here
$30
Massachusetts
81 institutions headquartered in Massachusetts
$30
U.S.
2,605 institutions in the index
$30
Worcester metro 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.
45 institutions, 31 with a published overdraft fee.
Bank · based in Spencer, MA · 17 branches here
Account not yet known
“Nonsufficient Funds Fee-Paid*+ | $30.00 per item”
Bank · based in Whitinsville, MA · 14 branches here
Account not yet known
“Card Reissue Fee.............................................................................. | $5.00 | Insufficient Funds Charge - Paid (per item)................................”
Bank · based in Wilmington, DE · 13 branches here
Account not yet known
“$35 fee per overdraft”
Bank · based in Wilmington, DE · 12 branches here
Account not yet known
“Insufficient Funds Fee – Item Paid | $15”
Credit union, membership rules apply · based in Worcester, MA · 12 branches here
Account not yet known
“Overdraft Privilege (OD Priv) Fee | $30.00 per presentment”
Bank · based in Charlotte, NC · 11 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Brookline, MA · 11 branches here
Account not yet known
“Overdraft/Unavailable Funds (UAF) Overdraft Fee8,9,14 … $35.00”
Bank · based in Leominster, MA · 11 branches here
Credit union, membership rules apply · based in Leominster, MA · 11 branches here
Bank · based in Rockland, MA · 10 branches here
Largest banks by local bank deposits
Share of the $22.5 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Worcester metro's counties
Deposits and branches cover the Worcester 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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