9 banks and credit unions have branches in Cortland. The Bank Fee Index holds published fees for 5 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from New York
Cortland counts institutions with a branch here, wherever headquartered. New York counts institutions headquartered in the state.
Cortland
5 institutions with a branch here
$32
New York
171 institutions headquartered in New York
$25
U.S.
3,350 institutions in the index
$27.50
Chosen as the fee whose Cortland median sits furthest from New York's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Cortland 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.
Four published overdraft fees: $20–$38.
Medians for reference: New York $30 · U.S. $30
Local median not shown; five institutions required.
9 institutions, 4 with a published overdraft fee.
Bank · based in Norwich, NY · 2 branches here
Bank · based in Cleveland, OH · 2 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”
Credit union, membership rules apply · based in Ithaca, NY · 2 branches here
Bank · based in Ithaca, NY · 1 branch here
Account not yet known
“»Overdraft Fee ‐ Paid* $38.00 per transaction”
Bank · based in Dryden, NY · 1 branch here
Account not yet known
“Overdraft Fee $35.00 per item”
Bank · based in Elmira, NY · 1 branch here
Credit union, membership rules apply · based in Rome, NY · 1 branch here
Credit union, membership rules apply · based in Rochester, NY · 1 branch here
Account not yet known
“Courtesy Pay Fee^ … $25”
Credit union, membership rules apply · based in Endicott, NY · 1 branch here
Largest banks by local bank deposits
Share of the $653 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Cortland County
Deposits and branches cover the City of Cortland. Population and income cover Cortland County, the county with most of Cortland'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 Cortland County.
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