56 banks and credit unions have branches in the Providence-Warwick metro area. The Bank Fee Index holds published fees for 39 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Rhode Island
Providence-Warwick metro counts institutions with a branch here, wherever headquartered. Rhode Island counts institutions headquartered in the state.
Providence-Warwick metro
23 institutions with a branch here
$5
Rhode Island
9 institutions headquartered in Rhode Island
$10
U.S.
1,903 institutions in the index
$7
Chosen as the fee whose Providence-Warwick metro median sits furthest from Rhode Island's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Providence-Warwick metro 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 $7.50 to $50.
Median published overdraft fee
Providence-Warwick metro
27 institutions with a branch here
$32
Rhode Island
7 institutions headquartered in Rhode Island
$32
U.S.
2,605 institutions in the index
$30
Providence-Warwick metro 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.
56 institutions, 27 with a published overdraft fee.
Bank · based in Providence, RI · 66 branches here
Account not yet known
“Overdraft Fee | $35 Per item paid if your account is overdrawn”
Bank · based in Charlotte, NC · 35 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Wilmington, DE · 29 branches here
Account not yet known
“Insufficient Funds Fee – Item Paid | $15”
Bank · based in Westerly, RI · 28 branches here
Bank · based in Brookline, MA · 26 branches here
Account not yet known
“Overdraft/Unavailable Funds (UAF) Overdraft Fee8,9,14 … $35.00”
Bank · based in Swansea, MA · 24 branches here
Account not yet known
“You will be charged our Overdraft Fee of up to $35 for each overdrawn item created by a traditional paper-based check, a teller withdrawal, an automatic payment (ACH) transaction,”
Credit union, membership rules apply · based in Smithfield, RI · 24 branches here
Bank · based in Middletown, RI · 19 branches here
Credit union, membership rules apply · based in Pawtucket, RI · 19 branches here
Account not yet known
“Overdraft Privilege Standard or Extended Coverage | $35 Insufficient/Uncollected Funds (Overdraft) Paid fee per item presented*”
Bank · based in Taunton, MA · 18 branches here
Largest banks by local bank deposits
Share of the $61.9 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Providence-Warwick metro's counties
Deposits and branches cover the Providence-Warwick 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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