5 banks and credit unions have branches in Rocky Point. The Bank Fee Index holds published fees for 5 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from New York
Rocky Point counts institutions with a branch here, wherever headquartered. New York counts institutions headquartered in the state.
Rocky Point
5 institutions with a branch here
$8
New York
65 institutions headquartered in New York
$5
U.S.
1,904 institutions in the index
$6.99
Chosen as the fee whose Rocky Point median sits furthest from New York's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Rocky Point 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.
Three published overdraft fees: $10–$35.
Medians for reference: New York $30 · U.S. $30
Local median not shown; five institutions required.
5 institutions, 3 with a published overdraft fee.
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“$35 fee per overdraft”
Bank · based in Hauppauge, NY · 1 branch here
Bank · based in Charlotte, NC · 1 branch here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Credit union, membership rules apply · based in Smithtown, NY · 1 branch here
Largest banks by local bank deposits
Share of the $576 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 Rocky Point. Population and income cover Suffolk County, the county with most of Rocky Point'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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