US Bank Directory
Banks in North Tonawanda, NY
3 FDIC-insured banks operate 4 offices in North Tonawanda, New York, and 4 credit unions have 5 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: North Tonawanda
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: 7 banks and credit unions operate 9 locations in North Tonawanda, according to the FDIC and the NCUA. 9 of them have coordinates on record and are on the map. 8 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
9 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 North Tonawanda
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: KeyBank has the most locations in North Tonawanda, with 2. 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.
KeyBank Bank · 2
KeyBank has 2 branches in North Tonawanda, 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. In FDIC branch records, its longest-running North Tonawanda location is the North Tonawanda Ii Branch at 1071 Payne Ave, dating to 1982; the newest, at 100 River Rd, to 1989. All 2 of its North Tonawanda locations with published hours open on Saturday.
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North Tonawanda Branch100 River Rd, 14120
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: KeyBank branch locator (All The Places), checked Oct 10, 2026
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North Tonawanda Ii Branch1071 Payne Ave, 14120
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: KeyBank branch locator (All The Places), checked Oct 10, 2026
Niagara Regional Credit Union Credit union · 2
Niagara Regional Credit Union has 2 officees in North Tonawanda, 2 across New York. It is based in North Tonawanda, NY and $39.8 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.
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Main Office main office1285 Erie Ave, 14120
All hours
Mon to Wed 9 am to 4 pm; Thu to Fri 8:30 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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North Tonawanda Hs405 Meadow Dr, 14120
Cornerstone Community Credit Union Credit union · 1
Cornerstone Community Credit Union has 1 office in North Tonawanda, 7 across New York. It is based in Lockport, NY and $725.9 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.
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Nt107 Main St, 14120
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Greater Niagara Credit Union Credit union · 1
Greater Niagara Credit Union has 1 office in North Tonawanda, 2 across New York. It is based in Niagara Falls, NY and $68.6 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.
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160 Ward Rd160 Ward Rd, 14120
All hours
Mon 9 am to 5 pm; Tue to Wed 9 am to 2 pm; Thu 9 am to 6 pm; Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
M&T Bank Bank · 1
M&T Bank has 1 branch in North Tonawanda, 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 North Tonawanda Branch at 955 Payne Ave dates to 2007 in FDIC branch records. It opens on Saturday.
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North Tonawanda Branch955 Payne Ave, 14120
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
Niagara's Choice Credit Union Credit union · 1
Niagara's Choice Credit Union has 1 office in North Tonawanda, 5 across New York. It is based in Niagara Falls, NY and $263.7 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.
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North Tonawanda3577 Niagara Falls Blvd, 14120
All hours
Mon to Fri 8:30 am to 5 pm; Sat 8:30 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Northwest Bank Bank · 1
Northwest Bank has 1 branch in North Tonawanda, 28 across New York and 163 nationwide. FDIC records list its main office in Warren, PA and show it operating since 1896. With $17.21 billion in total assets on June 30, 2026, it ranks No. 116 of 4,232 U.S. banks by total assets. The North Tonawanda - Payne Avenue Branch at 1035 Payne Ave dates to 1952 in FDIC branch records. It opens on Saturday.
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North Tonawanda - Payne Avenue Branch1035 Payne Ave, 14120
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun closed
Hours: Northwest Bank branch locator (All The Places), checked Oct 10, 2026
Join a credit union in North Tonawanda
4 credit unions have 5 offices here: Niagara Regional Credit Union, Cornerstone Community Credit Union, Niagara's Choice Credit Union and Greater Niagara Credit Union. 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 North Tonawanda page has every office in the state's directory.
Banking in North Tonawanda: the local picture
Short answer: 3 banks run 4 branches in North Tonawanda 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 North Tonawanda, 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 Northwest Bank's office at 1035 Payne Ave, dating to 1952; the newest is M&T Bank's at 955 Payne Ave, from 2007.
4 credit unions have 5 offices in North Tonawanda, according to the NCUA. Who can join each one is on the credit unions page.
Of the 8 locations with published hours. 6 open on Saturday. 1 location has no published hours in these sources.
Banks and credit unions open on Saturday in North Tonawanda
Short answer: 6 of the 8 North Tonawanda locations with published hours open on Saturday, run by 5 institutions.
- KeyBank: 2 of 2 branches (100 River Rd: Saturday 9 am to 12 pm, and 1 more)
- M&T Bank: 1 of 1 branch (955 Payne Ave: Saturday 9 am to 12 pm)
- Northwest Bank: 1 of 1 branch (1035 Payne Ave: Saturday 9 am to 12 pm)
- Niagara's Choice Credit Union: 1 of 1 office (3577 Niagara Falls Blvd: Saturday 8:30 am to 12 pm)
- Greater Niagara Credit Union: 1 of 1 office (160 Ward 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; 1 of the 9 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 North Tonawanda, and where the nearest one is if they do not.
Short answer: No branches in North Tonawanda: Chase (nearest in Amherst, 3 mi), Wells Fargo (nearest in Kingston, 259 mi), Bank of America (nearest in Kenmore, 4 mi), PNC Bank (nearest in New York, 296 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in New York, 298 mi), Huntington, Regions Bank, TD Bank (nearest in Monticello, 234 mi), BMO.
| Bank | In North Tonawanda | Nearest branch if none here |
|---|---|---|
| Chase | None | Amherst, 3 miles away |
| Wells Fargo | None | Kingston, 259 miles away |
| Bank of America | None | Kenmore, 4 miles away |
| PNC Bank | None | New York, 296 miles away |
| U.S. Bank | None | none in New York |
| Truist | None | none in New York |
| Fifth Third Bank | None | New York, 298 miles away |
| Huntington | None | none in New York |
| Regions Bank | None | none in New York |
| TD Bank | None | Monticello, 234 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 North Tonawanda 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 North Tonawanda residents like anyone else.
Banks near North Tonawanda
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Tonawanda (3 miles) and Grand Island (5 miles). Buffalo, 9 miles away, has the most banks nearby: 14.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Tonawanda, NY | 3 mi | 5 | 8 |
| Banks in Grand Island, NY | 5 mi | 4 | 4 |
| Banks in Kenmore, NY | 5 mi | 3 | 4 |
| Banks in Amherst, NY | 6 mi | 10 | 18 |
| Banks in Niagara Falls, NY | 7 mi | 7 | 13 |
| Banks in Snyder, NY | 8 mi | 2 | 2 |
| Banks in Buffalo, NY | 9 mi | 14 | 61 |
| Banks in East Amherst, NY | 9 mi | 6 | 7 |
Bank branch openings and closings in North Tonawanda
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in North Tonawanda 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 North Tonawanda
Short answer: 1 institution has its main office in North Tonawanda: Niagara Regional Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Niagara Regional Credit Union | Credit union | $39.8 million | 2 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in North Tonawanda by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its North Tonawanda offices.
Short answer: M&T Bank is the largest bank with offices in North Tonawanda, with $218.79 billion in total assets on June 30, 2026, No. 21 among U.S. banks by total assets. KeyBank is second with $188.56 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| M&T Bank | $218.79 billion | No. 21 | 1 | Buffalo, NY |
| KeyBank | $188.56 billion | No. 23 | 2 | Cleveland, OH |
| Northwest Bank | $17.21 billion | No. 116 | 1 | Warren, PA |
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 North Tonawanda: FAQ
How many banks are in North Tonawanda, NY?
North Tonawanda has 3 banks with 4 branches and 4 credit unions with 5 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 North Tonawanda?
KeyBank, with 2. M&T Bank has 1 and Northwest Bank has 1.
Is there a KeyBank in North Tonawanda, NY?
Yes. FDIC data lists 2 KeyBank branches in North Tonawanda as of September 5, 2026. Its branches are listed under KeyBank above, with the address and directions for each.
Is there a M&T Bank in North Tonawanda, NY?
Yes. FDIC data lists 1 M&T Bank branch in North Tonawanda as of September 5, 2026. The address and directions are under M&T Bank above.
Is there a Northwest Bank in North Tonawanda, NY?
Yes. FDIC data lists 1 Northwest Bank branch in North Tonawanda as of September 5, 2026. The address and directions are under Northwest Bank above.
Is there a Chase in North Tonawanda, NY?
No. FDIC data lists no Chase branch in North Tonawanda as of September 5, 2026. The nearest is in Amherst, about 3 miles away in a straight line.
Which banks in North Tonawanda are open on Saturday?
KeyBank, M&T Bank, Northwest Bank and Niagara's Choice Credit Union and 1 more publish Saturday hours for one or more North Tonawanda locations. The Saturday section above lists each one with its hours. 1 of the 9 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in North Tonawanda?
Niagara Regional Credit Union has its main office in North Tonawanda, according to the FDIC and the NCUA.
What is the oldest bank in North Tonawanda?
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 North Tonawanda?
Niagara Regional Credit Union, Cornerstone Community Credit Union, Niagara's Choice Credit Union and Greater Niagara Credit Union have offices in North Tonawanda. Check each credit union's membership rules before you apply.
Did any bank branches open or close in North Tonawanda 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 North Tonawanda?
Nearby cities with more banks include Tonawanda, Grand Island, Kenmore. Tonawanda is 3 miles away with 5 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 5 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 (4 of 4 branches: KeyBank, M&T Bank, Northwest 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 |
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