9 banks and credit unions have branches in Madison. 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 New Jersey
Madison counts institutions with a branch here, wherever headquartered. New Jersey counts institutions headquartered in the state.
Madison
6 institutions with a branch here
$9
New Jersey
38 institutions headquartered in New Jersey
$6.38
U.S.
1,904 institutions in the index
$7
Chosen as the fee whose Madison median sits furthest from New Jersey's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Madison with New Jersey 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
Madison
8 institutions with a branch here
$34.50
New Jersey
51 institutions headquartered in New Jersey
$30
U.S.
2,605 institutions in the index
$30
Madison covers every institution with a branch here, wherever it is headquartered. New Jersey covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
9 institutions, 8 with a published overdraft fee.
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“+$34 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 Jersey City, NJ · 1 branch here
Account not yet known
“• We will charge you a fee of $35.00* each time we pay an overdraft.”
Bank · based in Sioux Falls, SD · 1 branch here
Account not yet known
“Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we char”
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 Hoboken, NJ · 1 branch here
Account not yet known
“*An overdraft fee of $30 will be assessed for each item paid against the Overdraft Privilege limit”
Bank · based in Clinton, NJ · 1 branch here
Account not yet known
“Overdraft Fee (OD) (per item \ per representment) $35.00”
Credit union, membership rules apply · based in Basking Ridge, NJ · 1 branch here
Account not yet known
“Yes, you can opt out of Standard Courtesy Pay by calling us at 800.325.0808. Opting out of Standard Courtesy Pay will result in the transaction being returned. A $33 Insufficient F”
Credit union, membership rules apply · based in Madison, NJ · 1 branch here
Largest banks by local bank deposits
Share of the $1.4 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Morris County
Deposits and branches cover the City of Madison. Population and income cover Morris County, the county with most of Madison'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 Morris County.
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