7 banks and credit unions have branches in Cooperstown. 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
Cooperstown counts institutions with a branch here, wherever headquartered. New York counts institutions headquartered in the state.
Cooperstown
6 institutions with a branch here
$33
New York
171 institutions headquartered in New York
$25
U.S.
3,350 institutions in the index
$27.50
Chosen as the fee whose Cooperstown median sits furthest from New York's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Cooperstown 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.
Three published overdraft fees: $20–$40.
Medians for reference: New York $30 · U.S. $30
Local median not shown; five institutions required.
7 institutions, 3 with a published overdraft fee.
Bank · based in Norwich, NY · 2 branches here
Bank · based in Honesdale, PA · 1 branch here
Account not yet known
“plus shipping Non-Sufficient Funds and Overdraft Fees: Non-Sufficient Funds (NSF) Item (3) $ 35.00 Per Item”
Bank · based in Canton, NY · 1 branch 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”
Bank · based in Cleveland, OH · 1 branch 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”
Credit union, membership rules apply · based in Albany, NY · 1 branch here
Credit union, membership rules apply · based in Franklin, NY · 1 branch here
Credit union, membership rules apply · based in Cooperstown, NY · 1 branch here
Largest banks by local bank deposits
Share of the $519 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Otsego County
Deposits and branches cover the City of Cooperstown. Population and income cover Otsego County, the county with most of Cooperstown'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 Otsego County.
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