2 banks and credit unions have branches in Kirkwood. The Bank Fee Index holds published fees for 2 of them.
The count includes institutions based elsewhere that have a branch here.
Medians for reference: New York $1.50 · U.S. $1.50
Local median not shown; five institutions required.
Pick a fee to compare Kirkwood 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.
One published overdraft fee: $15.
Medians for reference: New York $30 · U.S. $30
2 institutions, 1 with a published overdraft fee.
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 Albany, NY · 1 branch here
Largest banks by local bank deposits
Share of the $42 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Broome County
Deposits and branches cover the City of Kirkwood. Population and income cover Broome County, the county with most of Kirkwood'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 Broome County.
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