10 banks and credit unions have branches in Elmira. The Bank Fee Index holds published fees for 7 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from New York
Elmira counts institutions with a branch here, wherever headquartered. New York counts institutions headquartered in the state.
Elmira
6 institutions with a branch here
$33.50
New York
171 institutions headquartered in New York
$25
U.S.
3,349 institutions in the index
$27.50
Chosen as the fee whose Elmira median sits furthest from New York's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Elmira 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 $15 to $40.
Median published overdraft fee
Elmira
7 institutions with a branch here
$30
New York
101 institutions headquartered in New York
$30
U.S.
2,603 institutions in the index
$30
Elmira 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, 7 with a published overdraft fee.
Bank · based in Elmira, NY · 3 branches here
Credit union, membership rules apply · based in Corning, NY · 2 branches here
Account not yet known
“Overdraft Fee (Also known as Enhanced ODP Fee) $32.00”
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 Warsaw, NY · 1 branch here
Account not yet known
“Overdraft Item Fee (Item Paid) | $40.00 | Per Item”
Bank · based in Buffalo, NY · 1 branch here
Account not yet known
“Overdraft Fee | $15.00 for each overdraft item we pay, unless one of the following exceptions apply:”
Credit union, membership rules apply · based in Syracuse, NY · 1 branch here
Account not yet known
“Courtesy Pay | $15 each”
Credit union, membership rules apply · based in Elmira, NY · 1 branch here
Credit union, membership rules apply · based in Corning, NY · 1 branch here
Account not yet known
“Courtesy Pay: $28.00”
Credit union, membership rules apply · based in Elmira, NY · 1 branch here
Account not yet known
“* Overdraft Non Sufficient Funds $30.00 per draft.”
Credit union, membership rules apply · based in Endicott, NY · 1 branch here
Largest banks by local bank deposits
Share of the $761 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Chemung County
Deposits and branches cover the City of Elmira. Population and income cover Chemung County, the county with most of Elmira'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 Chemung County.
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