17 banks and credit unions have branches in Schenectady. The Bank Fee Index holds published fees for 12 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from New York
Schenectady counts institutions with a branch here, wherever headquartered. New York counts institutions headquartered in the state.
Schenectady
10 institutions with a branch here
$31
New York
171 institutions headquartered in New York
$25
U.S.
3,350 institutions in the index
$27.50
Chosen as the fee whose Schenectady median sits furthest from New York's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Schenectady 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 $40.
Median published overdraft fee
Schenectady
9 institutions with a branch here
$30
New York
101 institutions headquartered in New York
$30
U.S.
2,605 institutions in the index
$30
Schenectady 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.
17 institutions, 9 with a published overdraft fee.
Credit union, membership rules apply · based in Albany, NY · 8 branches here
Bank · based in Glenville, NY · 7 branches here
Bank · based in Cleveland, OH · 3 branches 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 Scotia, NY · 3 branches here
Credit union, membership rules apply · based in Albany, NY · 3 branches here
Bank · based in Charlotte, NC · 2 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Albany, NY · 2 branches here
Account not yet known
“Item Paid utilizing Overdraft Privilege (ODP) - per item $30.00”
Bank · based in Columbus, OH · 2 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Glens Falls, NY · 2 branches here
Account not yet known
“• Overdraft fee* (applies to transactions created by check, ACH or Recurring Debit Card Transactions) ..............................................................................”
Credit union, membership rules apply · based in Albany, NY · 2 branches here
Account not yet known
“Non-sufficient/Uncollected Funds Item paid … $30.00”
Largest banks by local bank deposits
Share of the $2.2 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Schenectady County
Deposits and branches cover the City of Schenectady. Population and income cover Schenectady County, the county with most of Schenectady'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 Schenectady County.
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