35 banks and credit unions have branches in Buffalo. The Bank Fee Index holds published fees for 25 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from New York
Buffalo counts institutions with a branch here, wherever headquartered. New York counts institutions headquartered in the state.
Buffalo
14 institutions with a branch here
$2
New York
85 institutions headquartered in New York
$1.50
U.S.
1,648 institutions in the index
$1.50
Chosen as the fee whose Buffalo median sits furthest from New York's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Buffalo 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 $10 to $40.
Median published overdraft fee
Buffalo
16 institutions with a branch here
$28.50
New York
101 institutions headquartered in New York
$30
U.S.
2,603 institutions in the index
$30
Buffalo 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.
35 institutions, 16 with a published overdraft fee.
Bank · based in Buffalo, NY · 15 branches 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 Cleveland, OH · 12 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 Charlotte, NC · 7 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Warren, PA · 7 branches here
Account not yet known
“Overdraft-Paid Item Fee | $37 per item”
Credit union, membership rules apply · based in Buffalo, NY · 5 branches here
Account not yet known
“Courtesy Pay $21.00”
Bank · based in Norwich, NY · 3 branches here
Bank · based in Clearfield, PA · 3 branches here
Bank · based in Providence, RI · 3 branches here
Account not yet known
“Overdraft Fee | $35 Per item paid if your account is overdrawn”
Bank · based in Warsaw, NY · 3 branches here
Account not yet known
“Overdraft Item Fee (Item Paid) | $40.00 | Per Item”
Bank · based in Columbus, OH · 2 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Largest banks by local bank deposits
Share of the $39.8 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Erie County
Deposits and branches cover the City of Buffalo. Population and income cover Erie County, the county with most of Buffalo'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 Erie County.
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