7 banks and credit unions have branches in Potsdam. The Bank Fee Index holds published fees for 5 of them.
The count includes institutions based elsewhere that have a branch here.
Medians for reference: New York $30 · U.S. $30
Local median not shown; five institutions required.
Pick a fee to compare Potsdam 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.
7 institutions, 4 with a published overdraft fee.
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 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
Bank · based in Norwich, NY · 1 branch here
Credit union, membership rules apply · based in Tupper Lake, NY · 1 branch here
Credit union, membership rules apply · based in Ogdensburg, NY · 1 branch here
Share Draft/ACH/Debit Card
“Share Draft Account Courtesy Pay- Item (Share Draft/ACH/Debit Card) | $25.00”
Credit union, membership rules apply · based in Massena, NY · 1 branch here
Account not yet known
“If multiple items overdraw your account on the same day, each item will be assessed an appropriate Overdraft Fee or a Return Item Fee of $25”
Largest banks by local bank deposits
Share of the $367 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: St. Lawrence County
Deposits and branches cover the City of Potsdam. Population and income cover St. Lawrence County, the county with most of Potsdam'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 St. Lawrence County.
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