8 banks and credit unions have branches in Shirley. The Bank Fee Index holds published fees for 8 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from New York
Shirley counts institutions with a branch here, wherever headquartered. New York counts institutions headquartered in the state.
Shirley
5 institutions with a branch here
$2.50
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 Shirley median sits furthest from New York's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Shirley 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 $0 to $35.
Median published overdraft fee
Shirley
6 institutions with a branch here
$30
New York
101 institutions headquartered in New York
$30
U.S.
2,605 institutions in the index
$30
Shirley 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.
8 institutions, 6 with a published overdraft fee.
Bank · based in Hauppauge, NY · 1 branch here
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in McLean, VA · 1 branch here
Account not yet known
“No-Fee Overdraft | Free”
Bank · based in Charlotte, NC · 1 branch here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“$35 fee per overdraft”
Bank · based in Toms River, NJ · 1 branch here
Account not yet known
“• Customers are charged a fee of $30 each time an overdraft transaction is paid.”
Bank · based in Hicksville, NY · 1 branch here
Account not yet known
“assess an Overdraft Charge of $30 per Item. However, we will not charge you more than three Overdraft”
Credit union, membership rules apply · based in Smithtown, NY · 1 branch here
Largest banks by local bank deposits
Share of the $1.2 billion 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 Shirley. Population and income cover Suffolk County, the county with most of Shirley'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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