6 banks and credit unions have branches in Smithfield. The Bank Fee Index holds published fees for 6 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Rhode Island
Smithfield counts institutions with a branch here, wherever headquartered. Rhode Island counts institutions headquartered in the state.
Smithfield
5 institutions with a branch here
$2.50
Rhode Island
5 institutions headquartered in Rhode Island
$2
U.S.
1,648 institutions in the index
$1.50
Chosen as the fee whose Smithfield median sits furthest from Rhode Island's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Smithfield 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.
Four published overdraft fees: $15–$35.
Medians for reference: Rhode Island $32 · U.S. $30
Local median not shown; five institutions required.
6 institutions, 4 with a published overdraft fee.
Credit union, membership rules apply · based in Smithfield, RI · 2 branches here
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Insufficient Funds Fee – Item Paid | $15”
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 Westerly, RI · 1 branch here
Bank · based in West Warwick, RI · 1 branch here
Account not yet known
“Overdraft Fee*** | $32.00”
Credit union, membership rules apply · based in Pawtucket, RI · 1 branch here
Account not yet known
“Overdraft Privilege Standard or Extended Coverage | $35 Insufficient/Uncollected Funds (Overdraft) Paid fee per item presented*”
Largest banks by local bank deposits
Share of the $319 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 Smithfield. Population and income cover Providence County, the county with most of Smithfield'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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