11 banks and credit unions have branches in the Elmira metro area. The Bank Fee Index holds published fees for 8 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from New York
Elmira metro counts institutions with a branch here, wherever headquartered. New York counts institutions headquartered in the state.
Elmira metro
7 institutions with a branch here
$35
New York
171 institutions headquartered in New York
$25
U.S.
3,350 institutions in the index
$27.50
Chosen as the fee whose Elmira metro median sits furthest from New York's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Elmira metro 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 metro
8 institutions with a branch here
$31
New York
101 institutions headquartered in New York
$30
U.S.
2,605 institutions in the index
$30
Elmira metro 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.
11 institutions, 8 with a published overdraft fee.
Bank · based in Elmira, NY · 6 branches here
Bank · based in Canton, NY · 3 branches 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”
Credit union, membership rules apply · based in Corning, NY · 3 branches here
Account not yet known
“Overdraft Fee (Also known as Enhanced ODP Fee) $32.00”
Credit union, membership rules apply · based in Corning, NY · 3 branches here
Account not yet known
“Courtesy Pay: $28.00”
Bank · based in Warsaw, NY · 2 branches here
Account not yet known
“Overdraft Item Fee (Item Paid) | $40.00 | Per Item”
Credit union, membership rules apply · based in Endicott, NY · 2 branches here
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:”
Bank · based in The Woodlands, TX · 1 branch here
Account not yet known
“One (1) $32 overdraft (OD) item fee is charged for each item that is paid.”
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
Largest banks by local bank deposits
Share of the $1.3 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Elmira metro's counties
Deposits and branches cover the Elmira metro. Population and income cover the metro's counties. 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 the metro's counties.
Work at a bank or credit union here?
Hamilton, the Fee Insight workspace, sets an institution's own fees beside every institution in this market, with the source for each figure.
Choosing an account?
Open any institution above to see all of its published fees and where each one came from.
Search institutions