3 banks and credit unions have branches in Montauk. The Bank Fee Index holds published fees for 3 of them.
The count includes institutions based elsewhere that have a branch here.
Medians for reference: New York $5 · U.S. $6.99
Local median not shown; five institutions required.
Pick a fee to compare Montauk 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.
Two published overdraft fees: $15–$34.
Medians for reference: New York $30 · U.S. $30
3 institutions, 2 with a published overdraft fee.
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Hauppauge, NY · 1 branch 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:”
Largest banks by local bank deposits
Share of the $237 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Suffolk County
Deposits and branches cover the City of Montauk. Population and income cover Suffolk County, the county with most of Montauk'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 Suffolk County.
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