44 banks and credit unions have branches in the Rochester metro area. The Bank Fee Index holds published fees for 32 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from New York
Rochester metro counts institutions with a branch here, wherever headquartered. New York counts institutions headquartered in the state.
Rochester metro
24 institutions with a branch here
$2
New York
85 institutions headquartered in New York
$1.50
U.S.
1,651 institutions in the index
$1.50
Chosen as the fee whose Rochester metro median sits furthest from New York's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Rochester 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 $5 to $40.
Median published overdraft fee
Rochester metro
22 institutions with a branch here
$33
New York
101 institutions headquartered in New York
$30
U.S.
2,605 institutions in the index
$30
Rochester 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.
44 institutions, 22 with a published overdraft fee.
Bank · based in Buffalo, NY · 28 branches 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 Rochester, NY · 28 branches here
Account not yet known
“Courtesy Pay Overdraft Fee | $5.00”
Bank · based in Canandaigua, NY · 26 branches here
Bank · based in Cleveland, OH · 25 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”
Bank · based in Columbus, OH · 21 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Warsaw, NY · 19 branches here
Account not yet known
“Overdraft Item Fee (Item Paid) | $40.00 | Per Item”
Bank · based in Providence, RI · 18 branches here
Account not yet known
“Overdraft Fee | $35 Per item paid if your account is overdrawn”
Bank · based in Canton, NY · 14 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”
Bank · based in Lyons, NY · 11 branches here
Bank · based in Charlotte, NC · 10 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Largest banks by local bank deposits
Share of the $27.0 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Rochester metro's counties
Deposits and branches cover the Rochester 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
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.
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