12 banks and credit unions have branches in Troy. The Bank Fee Index holds published fees for 9 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from New York
Troy counts institutions with a branch here, wherever headquartered. New York counts institutions headquartered in the state.
Troy
8 institutions with a branch here
$30
New York
171 institutions headquartered in New York
$25
U.S.
3,350 institutions in the index
$27.50
Chosen as the fee whose Troy median sits furthest from New York's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Troy 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
Troy
7 institutions with a branch here
$30
New York
101 institutions headquartered in New York
$30
U.S.
2,605 institutions in the index
$30
Troy 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.
12 institutions, 7 with a published overdraft fee.
Credit union, membership rules apply · based in Albany, NY · 4 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 Albany, NY · 2 branches here
Account not yet known
“Item Paid utilizing Overdraft Privilege (ODP) - per item $30.00”
Bank · based in Glenville, NY · 2 branches here
Credit union, membership rules apply · based in Troy, NY · 2 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 Buffalo, NY · 1 branch here
Account not yet known
“Overdraft Fee | $15.00 for each overdraft item we pay, unless one of the following exceptions apply:”
Bank · based in Glens Falls, NY · 1 branch here
Account not yet known
“• Overdraft fee* (applies to transactions created by check, ACH or Recurring Debit Card Transactions) ..............................................................................”
Bank · based in Providence, RI · 1 branch here
Account not yet known
“Overdraft Fee | $35 Per item paid if your account is overdrawn”
Credit union, membership rules apply · based in Albany, NY · 1 branch here
Account not yet known
“Non-sufficient/Uncollected Funds Item paid … $30.00”
Largest banks by local bank deposits
Share of the $829 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Rensselaer County
Deposits and branches cover the City of Troy. Population and income cover Rensselaer County, the county with most of Troy'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 Rensselaer County.
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