10 banks and credit unions have branches in Rochester. The Bank Fee Index holds published fees for 9 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from New Hampshire
Rochester counts institutions with a branch here, wherever headquartered. New Hampshire counts institutions headquartered in the state.
Rochester
6 institutions with a branch here
$12.48
New Hampshire
12 institutions headquartered in New Hampshire
$6.25
U.S.
1,901 institutions in the index
$7
Chosen as the fee whose Rochester median sits furthest from New Hampshire's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Rochester with New Hampshire 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 $35.
Median published overdraft fee
Rochester
9 institutions with a branch here
$30
New Hampshire
12 institutions headquartered in New Hampshire
$30
U.S.
2,603 institutions in the index
$30
Rochester covers every institution with a branch here, wherever it is headquartered. New Hampshire covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
10 institutions, 9 with a published overdraft fee.
Credit union, membership rules apply · based in Portsmouth, NH · 3 branches here
Account not yet known
“A $19 overdraft fee will be assessed per presentment for the Dividend Checking account and Everyday Checking account.”
Credit union, membership rules apply · based in Rochester, NH · 2 branches here
Account not yet known
“Courtesy Pay (per item, Hero Account | $29.00”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“$35 fee per overdraft”
Bank · based in Providence, RI · 1 branch here
Account not yet known
“Overdraft Fee | $35 Per item paid if your account is overdrawn”
Bank · based in Rochester, NH · 1 branch here
Account not yet known
“Overdraft Fee - Paid (when check is paid) | $30.00”
Bank · based in Laconia, NH · 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 Meredith, NH · 1 branch here
Account not yet known
“An Overdraft Item Fee of $32.50 per item may be charged for covering each overdraft that results in a negative balance at the end of the day.”
Credit union, membership rules apply · based in Manchester, NH · 1 branch here
Account not yet known
“Courtesy Pay Fee | $30 per item”
Credit union, membership rules apply · based in Dover, NH · 1 branch here
Account not yet known
“Courtesy Pay | Over $5 | Per occurrence | $32 | Courtesy Pay fee”
Largest banks by local bank deposits
Share of the $775 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Strafford County
Deposits and branches cover the City of Rochester. Population and income cover Strafford County, the county with most of Rochester'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 Strafford County.
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