US Bank Directory
Banks in Cheektowaga, NY
3 FDIC-insured banks operate 5 offices in Cheektowaga, New York, and 11 credit unions have 12 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Cheektowaga
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 14 banks and credit unions operate 17 locations in Cheektowaga, according to the FDIC and the NCUA. 17 of them have coordinates on record and are on the map. 15 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
17 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Cheektowaga
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: M&T Bank has the most locations in Cheektowaga, with 3. The other 2 each have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
M&T Bank Bank · 3
M&T Bank has 3 branches in Cheektowaga, 275 across New York and 960 nationwide. FDIC records list its main office in Buffalo, NY and show it operating since 1856. With $218.79 billion in total assets on June 30, 2026, it ranks No. 21 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Cheektowaga location is the Airport Plaza Branch at 4237 Union Rd, dating to 1946; the newest, at 3700 Union Rd, to 1972. 1 of its 2 Cheektowaga locations with published hours open on Saturday.
-
Thruway Mall Branch304 Thruway Mall, 14225
-
Union Road Branch3700 Union Rd, 14225
All hours
Mon closed; Tue to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat to Sun closed
Hours: M&T Bank branch locator (All The Places), checked Oct 10, 2026
-
Airport Plaza Branch4237 Union Rd, 14225
All hours
Mon closed; Tue to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun closed
Hours: M&T Bank branch locator (All The Places), checked Oct 10, 2026
Empire One Credit Union Credit union · 2
Empire One Credit Union has 2 officees in Cheektowaga, 2 across New York. It is based in Cheektowaga, NY and $77.0 million in assets on March 31, 2026, according to its NCUA call report. 1 of its 2 Cheektowaga locations with published hours open on Saturday.
Who can join: see the credit union's site.
-
Main Office main office2345 William St, 14206
All hours
Mon 9 am to 4 pm; Tue closed; Wed 9 am to 4 pm; Thu to Fri 9 am to 5 pm; Sat 8:30 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
-
Vital Records2345 William St, 14206
All hours
Mon to Thu 8:30 am to 4:30 pm; Fri 9 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Afgm Enterprises Credit Union Credit union · 1
Afgm Enterprises Credit Union has 1 office in Cheektowaga, 1 across New York. It is based in Cheektowaga, NY and $13.6 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
-
Main Office main office132 Cayuga Rd, 14225
All hours
Mon to Tue not published; Wed closed; Thu to Fri not published; Sat to Sun closed
Hours: NCUA, March 31, 2026
Buffalo Conrail Credit Union Credit union · 1
Buffalo Conrail Credit Union has 1 office in Cheektowaga, 1 across New York. It is based in Cheektowaga, NY and $59.0 million in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
-
Main Office main office1481 Harlem Rd, 14206
All hours
Mon to Fri 9 am to 4 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Circuit Credit Union Credit union · 1
Circuit Credit Union has 1 office in Cheektowaga, 2 across New York. It is based in Cheektowaga, NY and $11.6 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
-
Main Office main office3234 Union Rd, 14227
All hours
Mon to Tue 9:30 am to 5 pm; Wed 9:30 am to 4 pm; Thu 9:30 am to 5 pm; Fri 9:30 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Citizens Bank · 1
Citizens has 1 branch in Cheektowaga, 170 across New York and 977 nationwide. FDIC records list its main office in Providence, RI and show it operating since 2005. With $232.52 billion in total assets on June 30, 2026, it ranks No. 20 of 4,232 U.S. banks by total assets. The Cheektowaga / Galleria Branch at 1722 Walden Ave dates to 1997 in FDIC branch records. It opens on Saturday.
-
Cheektowaga / Galleria Branch1722 Walden Ave, 14225
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: Citizens branch locator (All The Places), checked Oct 10, 2026
Crossroads Community Credit Union Credit union · 1
Crossroads Community Credit Union has 1 office in Cheektowaga, 2 across New York. It is based in Cheektowaga, NY and $94.8 million in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
-
Main Office main office3031 William St, 14227
All hours
Mon to Wed not published; Thu 9 am to 4 pm; Fri not published; Sat 9 am to 5:30 pm; Sun not published
Hours: NCUA, March 31, 2026
Empower Credit Union Credit union · 1
Empower Credit Union has 1 office in Cheektowaga, 25 across New York. It is based in Syracuse, NY and $4.27 billion in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
-
Cheektowaga2690 Walden Ave, 14225
All hours
Mon to Wed 9 am to 4 pm; Thu to Fri 9 am to 5 pm; Sat closed; Sun not published
Hours: NCUA, March 31, 2026
Financial Trust Credit Union Credit union · 1
Financial Trust Credit Union has 1 office in Cheektowaga, 6 across New York. It is based in Cheektowaga, NY and $198.3 million in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
-
Main Office main office3333 Harlem Rd, 14225
All hours
Mon to Wed 9 am to 4 pm; Thu 9 am to 4:30 pm; Fri 9 am to 5:30 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
KeyBank Bank · 1
KeyBank has 1 branch in Cheektowaga, 228 across New York and 952 nationwide. FDIC records list its main office in Cleveland, OH and show it operating since 1849. With $188.56 billion in total assets on June 30, 2026, it ranks No. 23 of 4,232 U.S. banks by total assets. The Walden Galleria Branch at 1675 Walden Ave dates to 1957 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Walden Galleria Branch1675 Walden Ave, 14225
Maryvale Schools Credit Union Credit union · 1
Maryvale Schools Credit Union has 1 office in Cheektowaga, 3 across New York. It is based in Cheektowaga, NY and $10.2 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
-
Main Office main office1050 Maryvale Dr, 14225
All hours
Mon 10 am to 4:30 pm; Tue 2 pm to 4:30 pm; Wed 2 pm to 5 pm; Thu 2 pm to 4:30 pm; Fri 10 am to 4:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
One Credit Union of Ny Credit union · 1
One Credit Union of Ny has 1 office in Cheektowaga, 3 across New York. It is based in Cheektowaga, NY and $111.8 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
-
Main Office main office3517 Union Rd, 14225
All hours
Mon to Thu 8:30 am to 4 pm; Fri 9 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Sloan Public Schools Credit Union Credit union · 1
Sloan Public Schools Credit Union has 1 office in Cheektowaga, 3 across New York. It is based in Cheektowaga, NY and $1.9 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
-
Main Office main office305 Cayuga Creek Rd, 14227
All hours
Mon to Fri 3 pm to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Town of Cheektowaga Credit Union Credit union · 1
Town of Cheektowaga Credit Union has 1 office in Cheektowaga, 1 across New York. It is based in Cheektowaga, NY and $37.8 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
-
Main Office main office3251 Broadway St, 14227
All hours
Mon to Fri 8 am to 4 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Cheektowaga
11 credit unions have 12 offices here: Empire One Credit Union, Empower Credit Union, Financial Trust Credit Union, One Credit Union of Ny, Crossroads Community Credit Union and Buffalo Conrail Credit Union and 5 more. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Cheektowaga page has every office in the state's directory.
Banking in Cheektowaga: the local picture
Short answer: 3 banks run 5 branches in Cheektowaga according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 3 banks, 0 have their main office in Cheektowaga, 1 elsewhere in New York and 2 out of state, according to the FDIC.
The bank with the longest record here is KeyBank, operating since 1849 according to the FDIC. In FDIC branch records, the longest-running branch is M&T Bank's office at 4237 Union Rd, dating to 1946; the newest is Citizens's at 1722 Walden Ave, from 1997.
11 credit unions have 12 offices in Cheektowaga, according to the NCUA. Who can join each one is on the credit unions page.
Of the 15 locations with published hours. 6 open on Saturday. 2 locations have no published hours in these sources.
Banks by ZIP code in Cheektowaga
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 14225 has the most bank and credit union offices in Cheektowaga (10), followed by 14227 (4) and 14206 (3). Offices are spread across 3 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 14225 | 10 | 8 | M&T Bank, Afgm Enterprises Credit Union, Citizens |
| 14227 | 4 | 4 | Circuit Credit Union, Crossroads Community Credit Union, Sloan Public Schools Credit Union |
| 14206 | 3 | 2 | Empire One Credit Union, Buffalo Conrail Credit Union |
Banks and credit unions open on Saturday in Cheektowaga
Short answer: 6 of the 15 Cheektowaga locations with published hours open on Saturday, run by 6 institutions.
- M&T Bank: 1 of 3 branches (4237 Union Rd: Saturday 9 am to 12 pm)
- Citizens: 1 of 1 branch (1722 Walden Ave: Saturday 9 am to 12 pm)
- Empire One Credit Union: 1 of 2 offices (2345 William St: Saturday 8:30 am to 12 pm)
- Financial Trust Credit Union: 1 of 1 office (3333 Harlem Rd: Saturday 9 am to 12 pm)
- Crossroads Community Credit Union: 1 of 1 office (3031 William St: Saturday 9 am to 5:30 pm)
- Buffalo Conrail Credit Union: 1 of 1 office (1481 Harlem Rd: Saturday 9 am to 12 pm)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 2 of the 17 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Cheektowaga, and where the nearest one is if they do not.
Short answer: No branches in Cheektowaga: Chase (nearest in Depew, 4 mi), Wells Fargo (nearest in Kingston, 252 mi), Bank of America (nearest in Depew, 2 mi), PNC Bank (nearest in New York, 286 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in New York, 288 mi), Huntington, Regions Bank, TD Bank (nearest in Monticello, 226 mi), BMO.
| Bank | In Cheektowaga | Nearest branch if none here |
|---|---|---|
| Chase | None | Depew, 4 miles away |
| Wells Fargo | None | Kingston, 252 miles away |
| Bank of America | None | Depew, 2 miles away |
| PNC Bank | None | New York, 286 miles away |
| U.S. Bank | None | none in New York |
| Truist | None | none in New York |
| Fifth Third Bank | None | New York, 288 miles away |
| Huntington | None | none in New York |
| Regions Bank | None | none in New York |
| TD Bank | None | Monticello, 226 miles away |
| BMO | None | none in New York |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Cheektowaga to the nearest branch in New York.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Cheektowaga residents like anyone else.
Banks near Cheektowaga
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Depew (3 miles) and Snyder (3 miles). Buffalo, 4 miles away, has the most banks nearby: 14.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Depew, NY | 3 mi | 9 | 13 |
| Banks in Snyder, NY | 3 mi | 2 | 2 |
| Banks in Buffalo, NY | 4 mi | 14 | 61 |
| Banks in Williamsville, NY | 5 mi | 7 | 17 |
| Banks in Lancaster, NY | 5 mi | 4 | 4 |
| Banks in West Seneca, NY | 6 mi | 7 | 10 |
| Banks in Amherst, NY | 6 mi | 10 | 18 |
| Banks in Lackawanna, NY | 6 mi | 2 | 2 |
Bank branch openings and closings in Cheektowaga
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Cheektowaga between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Cheektowaga
Short answer: 10 institutions have their main office in Cheektowaga: Empire One Credit Union, Financial Trust Credit Union, One Credit Union of Ny and Crossroads Community Credit Union and 6 more.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Empire One Credit Union | Credit union | $77.0 million | 2 |
| Financial Trust Credit Union | Credit union | $198.3 million | 1 |
| One Credit Union of Ny | Credit union | $111.8 million | 1 |
| Crossroads Community Credit Union | Credit union | $94.8 million | 1 |
| Buffalo Conrail Credit Union | Credit union | $59.0 million | 1 |
| Town of Cheektowaga Credit Union | Credit union | $37.8 million | 1 |
| Afgm Enterprises Credit Union | Credit union | $13.6 million | 1 |
| Circuit Credit Union | Credit union | $11.6 million | 1 |
| Maryvale Schools Credit Union | Credit union | $10.2 million | 1 |
| Sloan Public Schools Credit Union | Credit union | $1.9 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Cheektowaga by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Cheektowaga offices.
Short answer: Citizens is the largest bank with offices in Cheektowaga, with $232.52 billion in total assets on June 30, 2026, No. 20 among U.S. banks by total assets. M&T Bank is second with $218.79 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Citizens | $232.52 billion | No. 20 | 1 | Providence, RI |
| M&T Bank | $218.79 billion | No. 21 | 3 | Buffalo, NY |
| KeyBank | $188.56 billion | No. 23 | 1 | Cleveland, OH |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Cheektowaga: FAQ
How many banks are in Cheektowaga, NY?
Cheektowaga has 3 banks with 5 branches and 11 credit unions with 12 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Cheektowaga?
M&T Bank, with 3. Citizens has 1 and KeyBank has 1.
Is there a M&T Bank in Cheektowaga, NY?
Yes. FDIC data lists 3 M&T Bank branches in Cheektowaga as of September 5, 2026. Its branches are listed under M&T Bank above, with the address and directions for each.
Is there a Citizens in Cheektowaga, NY?
Yes. FDIC data lists 1 Citizens branch in Cheektowaga as of September 5, 2026. The address and directions are under Citizens above.
Is there a KeyBank in Cheektowaga, NY?
Yes. FDIC data lists 1 KeyBank branch in Cheektowaga as of September 5, 2026. The address and directions are under KeyBank above.
Is there a Chase in Cheektowaga, NY?
No. FDIC data lists no Chase branch in Cheektowaga as of September 5, 2026. The nearest is in Depew, about 4 miles away in a straight line.
Which banks in Cheektowaga are open on Saturday?
M&T Bank, Citizens, Empire One Credit Union and Financial Trust Credit Union and 2 more publish Saturday hours for one or more Cheektowaga locations. The Saturday section above lists each one with its hours. 2 of the 17 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Cheektowaga?
Empire One Credit Union, Financial Trust Credit Union, One Credit Union of Ny, Crossroads Community Credit Union and Buffalo Conrail Credit Union and 5 more have their main office in Cheektowaga, according to the FDIC and the NCUA.
What is the oldest bank in Cheektowaga?
KeyBank has the longest record among banks with a branch here: the FDIC shows it operating since 1849.
Which credit unions can I join in Cheektowaga?
Empire One Credit Union, Empower Credit Union, Financial Trust Credit Union and One Credit Union of Ny and 7 more have offices in Cheektowaga. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Cheektowaga in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Cheektowaga?
Nearby cities with more banks include Depew, Snyder, Buffalo. Depew is 3 miles away with 9 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 12 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Bank branch hours, phones and branch pages (3 of 5 branches: Citizens, M&T Bank) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
See your odds before you apply
Banrox shows how likely a card or loan is for your profile, from your own data, without a hard pull. Platform live; card in early access; no card issued.
Check your odds