7 banks and credit unions have branches in Horseheads. 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
Horseheads counts institutions with a branch here, wherever headquartered. New York counts institutions headquartered in the state.
Horseheads
5 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 Horseheads median sits furthest from New York's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Horseheads 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 $28 to $40.
Median published overdraft fee
Horseheads
5 institutions with a branch here
$32
New York
101 institutions headquartered in New York
$30
U.S.
2,605 institutions in the index
$30
Horseheads 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.
7 institutions, 5 with a published overdraft fee.
Bank · based in Elmira, NY · 2 branches here
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 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 Corning, NY · 1 branch here
Account not yet known
“Overdraft Fee (Also known as Enhanced ODP Fee) $32.00”
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 Endicott, NY · 1 branch here
Largest banks by local bank deposits
Share of the $441 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 Horseheads. Population and income cover Chemung County, the county with most of Horseheads'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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