Banks in Cold Spring, NY

Bank branch map: Cold Spring

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: 2 banks and credit unions operate 2 locations in Cold Spring, according to the FDIC. 2 of them have coordinates on record and are on the map. 2 publish opening hours.

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 in Cold Spring

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: Wells Fargo and M&T Bank have the most locations in Cold Spring, with 1 each. 2 banks 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 Manufacturers and Traders Trust Company · 1 branch · main office Buffalo, NY Bank · 1

M&T Bank has 1 branch in Cold Spring, 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. The Cold Spring Branch at 40 Chestnut St dates to 1962 in FDIC branch records. It opens on Saturday.

• Cold Spring Branch

  40 Chestnut St, 10516

  (845) 265-3628Today 9 am to 4 pm

  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

  DirectionsBranch page

M&T Bank: profile, branches and contacts

Wells Fargo Wells Fargo Bank, National Association · 1 branch · main office Sioux Falls, SD Bank · 1

Wells Fargo has 1 branch in Cold Spring, 87 across New York and 4,161 nationwide. FDIC records list its main office in Sioux Falls, SD and show it operating since 1870. With $1.91 trillion in total assets on June 30, 2026, it ranks No. 4 of 4,232 U.S. banks by total assets. The Cold Spring Branch at 41 Chestnut St dates to 1972 in FDIC branch records. Its published hours do not list Saturday.

• Cold Spring Branch

  41 Chestnut St, 10516

  (845) 265-9261Today 9 am to 5 pm

  All hours

  Mon to Fri 9 am to 5 pm; Sat to Sun not published

  Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026

  DirectionsBranch page

Wells Fargo: profile, branches and contacts

Banking in Cold Spring: the local picture

Short answer: 2 banks run 2 branches in Cold Spring 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 2 banks, 0 have their main office in Cold Spring, 1 elsewhere in New York and 1 out of state, according to the FDIC.

The bank with the longest record here is M&T Bank, operating since 1856 according to the FDIC. In FDIC branch records, the longest-running branch is M&T Bank's office at 40 Chestnut St, dating to 1962; the newest is Wells Fargo's at 41 Chestnut St, from 1972.

Of the 2 locations with published hours. 1 opens on Saturday.

Banks open on Saturday in Cold Spring

Short answer: 1 of the 2 Cold Spring locations with published hours opens on Saturday, run by 1 institution.

• M&T Bank: 1 of 1 branch (40 Chestnut St: Saturday 9 am to 12 pm)

Bank branches show hours only where the bank publishes them in a source this page uses. 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 Cold Spring, and where the nearest one is if they do not.

Short answer: In Cold Spring: Wells Fargo (1). No branches in Cold Spring: Chase (nearest in Highland Falls, 3 mi), Bank of America (nearest in New Windsor, 6 mi), PNC Bank (nearest in New York, 39 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in New York, 46 mi), Huntington, Regions Bank, TD Bank (nearest in Newburgh, 8 mi), BMO.

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Cold Spring 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%.

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 Cold Spring residents like anyone else.

Banks near Cold Spring

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Highland Falls (3 miles) and New Windsor (6 miles). Newburgh, 8 miles away, has the most banks nearby: 14.

Bank branch openings and closings in Cold Spring

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Cold Spring between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Cold Spring by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Cold Spring offices.

Short answer: Wells Fargo is the largest bank with offices in Cold Spring, with $1.91 trillion in total assets on June 30, 2026, No. 4 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.

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 Cold Spring: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.