7 banks and credit unions have branches in Lincoln. The Bank Fee Index holds published fees for 6 of them.
The count includes institutions based elsewhere that have a branch here.
Compared with Rhode Island
Where a fee has enough institutions for a local median, the Lincoln median is within 10% of the Rhode Island median on all 1 fee.
Lincoln counts institutions with a branch here, wherever headquartered. Rhode Island counts institutions headquartered in the state.
Pick a fee to compare Lincoln with Rhode Island 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 $15 to $37.
Median published overdraft fee
Lincoln
5 institutions with a branch here
$35
Rhode Island
7 institutions headquartered in Rhode Island
$32
U.S.
2,605 institutions in the index
$30
Lincoln covers every institution with a branch here, wherever it is headquartered. Rhode Island covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
7 institutions, 5 with a published overdraft fee.
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Insufficient Funds Fee – Item Paid | $15”
Bank · based in Boston, MA · 1 branch here
Account not yet known
“Overdraft Fee: Standard overdraft fee $37*”
Bank · based in Brookline, MA · 1 branch here
Account not yet known
“Overdraft/Unavailable Funds (UAF) Overdraft Fee8,9,14 … $35.00”
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 Middletown, RI · 1 branch here
Credit union, membership rules apply · based in Woonsocket, RI · 1 branch here
Account not yet known
“Paid NSF fee (Courtesy Pay) Please see the Courtesy Pay page under Products and Services for program details | $20.00 per item”
Credit union, membership rules apply · based in Smithfield, RI · 1 branch here
Largest banks by local bank deposits
Share of the $475 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Providence County
Deposits and branches cover the City of Lincoln. Population and income cover Providence County, the county with most of Lincoln'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 Providence County.
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