115 banks and credit unions have branches in New York. The Bank Fee Index holds published fees for 66 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from New York
New York counts institutions with a branch here, wherever headquartered. New York counts institutions headquartered in the state.
New York
37 institutions with a branch here
$10
New York
65 institutions headquartered in New York
$5
U.S.
1,901 institutions in the index
$7
Chosen as the fee whose New York median sits furthest from New York's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare New York 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 $0 to $36.
Median published overdraft fee
New York
33 institutions with a branch here
$30
New York
101 institutions headquartered in New York
$30
U.S.
2,603 institutions in the index
$30
New York 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.
115 institutions, 33 with a published overdraft fee.
Bank · based in Columbus, OH · 72 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Wilmington, DE · 50 branches here
Account not yet known
“$35 fee per overdraft”
Bank · based in Charlotte, NC · 49 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Sioux Falls, SD · 37 branches here
Bank · based in Sioux Falls, SD · 28 branches here
Account not yet known
“Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we char”
Bank · based in Providence, RI · 15 branches here
Account not yet known
“Overdraft Fee | $35 Per item paid if your account is overdrawn”
Bank · based in New York, NY · 13 branches here
Bank · based in McLean, VA · 10 branches here
Account not yet known
“No-Fee Overdraft | Free”
Bank · based in Buffalo, NY · 10 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 Wilmington, DE · 10 branches here
Account not yet known
“Insufficient Funds Fee – Item Paid | $15”
Largest banks by local bank deposits
Share of the $1853.0 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: New York County
Deposits and branches cover the City of New York. Population and income cover New York County, the county with most of New York'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 New York County.
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