9 banks and credit unions have branches in Jamestown. 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
Jamestown counts institutions with a branch here, wherever headquartered. New York counts institutions headquartered in the state.
Jamestown
5 institutions with a branch here
$5
New York
141 institutions headquartered in New York
$10
U.S.
2,745 institutions in the index
$10
Chosen as the fee whose Jamestown median sits furthest from New York's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Jamestown 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
Jamestown
6 institutions with a branch here
$23
New York
101 institutions headquartered in New York
$30
U.S.
2,603 institutions in the index
$30
Jamestown 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.
9 institutions, 6 with a published overdraft fee.
Credit union, membership rules apply · based in Lakewood, NY · 3 branches here
Account not yet known
“ACH Overdraft* | $24.00”
Bank · based in Buffalo, NY · 2 branches 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 Warren, PA · 2 branches here
Account not yet known
“Overdraft-Paid Item Fee | $37 per item”
Credit union, membership rules apply · based in Jamestown, NY · 2 branches here
Bank · based in Cleveland, OH · 1 branch 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 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 Dunkirk, NY · 1 branch here
Credit union, membership rules apply · based in Jamestown, NY · 1 branch here
Credit union, membership rules apply · based in Falconer, NY · 1 branch here
Account not yet known
“Courtesy Pay (C-Pay) Overdrafts | $22.00 per attempt”
Largest banks by local bank deposits
Share of the $488 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Chautauqua County
Deposits and branches cover the City of Jamestown. Population and income cover Chautauqua County, the county with most of Jamestown'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 Chautauqua County.
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