38 banks and credit unions have branches in the Albany-Schenectady-Troy metro area. The Bank Fee Index holds published fees for 24 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from New York
Albany-Schenectady-Troy metro counts institutions with a branch here, wherever headquartered. New York counts institutions headquartered in the state.
Albany-Schenectady-Troy metro
15 institutions with a branch here
$1
New York
85 institutions headquartered in New York
$1.50
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Albany-Schenectady-Troy metro median sits furthest from New York's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Albany-Schenectady-Troy metro 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
Albany-Schenectady-Troy metro
19 institutions with a branch here
$30
New York
101 institutions headquartered in New York
$30
U.S.
2,605 institutions in the index
$30
Albany-Schenectady-Troy metro 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.
38 institutions, 19 with a published overdraft fee.
Bank · based in Glenville, NY · 52 branches here
Credit union, membership rules apply · based in Albany, NY · 45 branches here
Bank · based in Cleveland, OH · 35 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 Albany, NY · 18 branches here
Account not yet known
“Item Paid utilizing Overdraft Privilege (ODP) - per item $30.00”
Bank · based in Providence, RI · 16 branches here
Account not yet known
“Overdraft Fee | $35 Per item paid if your account is overdrawn”
Bank · based in Ballston Spa, NY · 16 branches here
Bank · based in Norwich, NY · 15 branches here
Bank · based in Buffalo, NY · 14 branches here
Account not yet known
“Overdraft Fee | $15.00 for each overdraft item we pay, unless one of the following exceptions apply:”
Credit union, membership rules apply · based in Albany, NY · 14 branches here
Bank · based in Glens Falls, NY · 13 branches here
Account not yet known
“• Overdraft fee* (applies to transactions created by check, ACH or Recurring Debit Card Transactions) ..............................................................................”
Largest banks by local bank deposits
Share of the $31.2 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Albany-Schenectady-Troy metro's counties
Deposits and branches cover the Albany-Schenectady-Troy metro. Population and income cover the metro's counties. 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
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for the metro's counties.
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