10 banks and credit unions have branches in Bay Shore. The Bank Fee Index holds published fees for 10 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from New York
Bay Shore counts institutions with a branch here, wherever headquartered. New York counts institutions headquartered in the state.
Bay Shore
9 institutions with a branch here
$8
New York
65 institutions headquartered in New York
$5
U.S.
1,904 institutions in the index
$6.99
Chosen as the fee whose Bay Shore median sits furthest from New York's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Bay Shore 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 $0 to $35.
Median published overdraft fee
Bay Shore
6 institutions with a branch here
$20
New York
101 institutions headquartered in New York
$30
U.S.
2,605 institutions in the index
$30
Bay Shore 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.
10 institutions, 6 with a published overdraft fee.
Bank · based in Columbus, OH · 3 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Credit union, membership rules apply · based in Bethpage, NY · 2 branches here
Account not yet known
“Courtesy Pay Overdraft Point of Sale (POS) - POS Courtesy Pay Usage Fee $10”
Bank · based in McLean, VA · 1 branch here
Account not yet known
“No-Fee Overdraft | Free”
Bank · based in Sioux Falls, SD · 1 branch here
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“$35 fee per overdraft”
Bank · based in Hauppauge, NY · 1 branch here
Bank · based in Hicksville, NY · 1 branch here
Account not yet known
“assess an Overdraft Charge of $30 per Item. However, we will not charge you more than three Overdraft”
Bank · based in Charlotte, NC · 1 branch here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Credit union, membership rules apply · based in Westbury, NY · 1 branch here
Credit union, membership rules apply · based in Smithtown, NY · 1 branch here
Largest banks by local bank deposits
Share of the $1.7 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Suffolk County
Deposits and branches cover the City of Bay Shore. Population and income cover Suffolk County, the county with most of Bay Shore'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 Suffolk County.
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