9 banks and credit unions have branches in Oswego. 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
Oswego counts institutions with a branch here, wherever headquartered. New York counts institutions headquartered in the state.
Oswego
5 institutions with a branch here
$34
New York
171 institutions headquartered in New York
$25
U.S.
3,349 institutions in the index
$27.50
Chosen as the fee whose Oswego median sits furthest from New York's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Oswego 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
Oswego
6 institutions with a branch here
$22.50
New York
101 institutions headquartered in New York
$30
U.S.
2,603 institutions in the index
$30
Oswego 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 Oswego, NY · 5 branches here
Account not yet known
“Courtesy Pay … $25.00”
Bank · based in Oswego, NY · 3 branches here
Account not yet known
“$17 fee per overdraft item”
Bank · based in Norwich, NY · 2 branches here
Credit union, membership rules apply · based in Oswego, NY · 2 branches here
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 Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
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”
Credit union, membership rules apply · based in Syracuse, NY · 1 branch here
Account not yet known
“Courtesy Pay | $15 each”
Credit union, membership rules apply · based in Oswego, NY · 1 branch here
Largest banks by local bank deposits
Share of the $727 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Oswego County
Deposits and branches cover the City of Oswego. Population and income cover Oswego County, the county with most of Oswego'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 Oswego County.
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