7 banks and credit unions have branches in Cambridge. The Bank Fee Index holds published fees for 6 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Maryland
Cambridge counts institutions with a branch here, wherever headquartered. Maryland counts institutions headquartered in the state.
Cambridge
5 institutions with a branch here
$35
Maryland
51 institutions headquartered in Maryland
$29
U.S.
3,350 institutions in the index
$27.50
Chosen as the fee whose Cambridge median sits furthest from Maryland's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Cambridge with Maryland 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 $15 to $36.
Median published overdraft fee
Cambridge
5 institutions with a branch here
$35
Maryland
38 institutions headquartered in Maryland
$31
U.S.
2,605 institutions in the index
$30
Cambridge covers every institution with a branch here, wherever it is headquartered. Maryland covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
7 institutions, 5 with a published overdraft fee.
Bank · based in Hebron, MD · 2 branches here
Account not yet known
“NSF Fee (Per Item)* Customer Overdraft Policy NSF Fee (Per Item, Per Presentment)* Customer Overdraft Policy | $35”
Bank · based in Baltimore, MD · 2 branches here
Bank · based in Easton, MD · 1 branch here
Account not yet known
“When we pay overdraft items for you, you will be charged our standard Overdraft Fee, currently $35.00, for each item that is presented”
Bank · based in Charlotte, NC · 1 branch here
Account not yet known
“• Truist will charge you an Overdraft Fee, if applicable, of $36 each time we pay an overdraft on your behalf.”
Bank · based in Alexandria, VA · 1 branch here
Account not yet known
“Overdraft Fee and Returned Item Fee* | $32.00”
Bank · based in Queenstown, MD · 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:”
Largest banks by local bank deposits
Share of the $574 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Dorchester County
Deposits and branches cover the City of Cambridge. Population and income cover Dorchester County, the county with most of Cambridge'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 Dorchester County.
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