14 banks and credit unions have branches in the Watertown-Fort Drum metro area. 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 New York
Watertown-Fort Drum metro counts institutions with a branch here, wherever headquartered. New York counts institutions headquartered in the state.
Watertown-Fort Drum metro
6 institutions with a branch here
$6
New York
141 institutions headquartered in New York
$10
U.S.
2,744 institutions in the index
$10
Chosen as the fee whose Watertown-Fort Drum metro median sits furthest from New York's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Watertown-Fort Drum metro with New York 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 $20 to $40.
Median published overdraft fee
Watertown-Fort Drum metro
5 institutions with a branch here
$25
New York
101 institutions headquartered in New York
$30
U.S.
2,605 institutions in the index
$30
Watertown-Fort Drum metro covers every institution with a branch here, wherever it is headquartered. New York covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
14 institutions, 5 with a published overdraft fee.
Bank · based in Watertown, NY · 10 branches here
Bank · based in Canton, NY · 6 branches here
Account not yet known
“Overdraft Fee for the $40 transaction, because your current balance is sufficient to cover the amount of the check transaction”
Credit union, membership rules apply · based in Watertown, NY · 6 branches here
Bank · based in Cleveland, OH · 3 branches here
Account not yet known
“$20.00 Overdraft Item (OD) Charge will apply to each item we pay when your end-of-day overdraft balance”
Bank · based in Gouverneur, NY · 3 branches here
Account not yet known
“Overdraft - each overdraft paid.....................................................................................................................................................”
Bank · based in Gouverneur, NY · 3 branches here
Bank · based in Carthage, NY · 2 branches here
Credit union, membership rules apply · based in Watertown, NY · 2 branches here
Bank · based in Watertown, NY · 1 branch here
Bank · based in Ogdensburg, NY · 1 branch here
Largest banks by local bank deposits
Share of the $2.2 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Watertown-Fort Drum metro's counties
Deposits and branches cover the Watertown-Fort Drum 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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