15 banks and credit unions have branches in Saratoga Springs. The Bank Fee Index holds published fees for 11 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from New York
Saratoga Springs counts institutions with a branch here, wherever headquartered. New York counts institutions headquartered in the state.
Saratoga Springs
8 institutions with a branch here
$1
New York
85 institutions headquartered in New York
$1.50
U.S.
1,651 institutions in the index
$1.50
Chosen as the fee whose Saratoga Springs median sits furthest from New York's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Saratoga Springs 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 $10 to $35.
Median published overdraft fee
Saratoga Springs
8 institutions with a branch here
$31
New York
101 institutions headquartered in New York
$30
U.S.
2,605 institutions in the index
$30
Saratoga Springs 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.
15 institutions, 8 with a published overdraft fee.
Bank · based in Saratoga Springs, NY · 7 branches here
Bank · based in Glens Falls, NY · 3 branches here
Account not yet known
“• Overdraft fee* (applies to transactions created by check, ACH or Recurring Debit Card Transactions) ..............................................................................”
Bank · based in Glenville, NY · 3 branches here
Bank · based in Charlotte, NC · 1 branch here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
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 Norwich, NY · 1 branch here
Bank · based in Providence, RI · 1 branch here
Account not yet known
“Overdraft Fee | $35 Per item paid if your account is overdrawn”
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Elmira, NY · 1 branch here
Bank · based in Scotia, NY · 1 branch here
Largest banks by local bank deposits
Share of the $2.5 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Saratoga County
Deposits and branches cover the City of Saratoga Springs. Population and income cover Saratoga County, the county with most of Saratoga Springs'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 Saratoga County.
Work at a bank or credit union here?
Hamilton, the Fee Insight workspace, sets an institution's own fees beside every institution in this market, with the source for each figure.
Choosing an account?
Open any institution above to see all of its published fees and where each one came from.
Search institutions