US Bank Directory
Banks in Smithtown, NY
7 FDIC-insured banks operate 8 offices in Smithtown, New York, and 2 credit unions have 2 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: Smithtown
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: 9 banks and credit unions operate 10 locations in Smithtown, according to the FDIC and the NCUA. 10 of them have coordinates on record and are on the map. 7 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
10 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 Smithtown
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Chase has the most locations in Smithtown, with 2. The other 6 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.
Chase Bank · 2
Chase has 2 branches in Smithtown, 581 across New York and 5,176 nationwide. FDIC records list its main office in Columbus, OH and show it operating since 1824. With $4.09 trillion in total assets on June 30, 2026, it ranks No. 1 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Smithtown location is the Smithtown Branch at 42 W Main St, dating to 1956; the newest, at 705 Smithtown Byp, to 1974. All 2 of its Smithtown locations with published hours open on Saturday.
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Smithtown Branch42 W Main St, 11787
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Chase branch locator (All The Places), checked Oct 10, 2026
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Nesconset Branch705 Smithtown Byp, 11787
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Chase branch locator (All The Places), checked Oct 10, 2026
Bank of America Bank · 1
Bank of America has 1 branch in Smithtown, 251 across New York and 3,598 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1904. With $2.65 trillion in total assets on June 30, 2026, it ranks No. 2 of 4,232 U.S. banks by total assets. The Village Of The Branch Branch at 31 Route 111 dates to 1976 in FDIC branch records. It opens on Saturday.
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Village Of The Branch Branch31 Route 111, 11787
All hours
Mon closed; Tue to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
Citibank Bank · 1
Citibank has 1 branch in Smithtown, 216 across New York and 667 nationwide. FDIC records list its main office in Sioux Falls, SD and show it operating since 1812. With $1.98 trillion in total assets on June 30, 2026, it ranks No. 3 of 4,232 U.S. banks by total assets. The Smithtown Branch at 18 E Main St dates to 1990 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Smithtown Branch18 E Main St, 11787
Dime Community Bank Bank · 1
Dime Community Bank has 1 branch in Smithtown, 63 across New York and 64 nationwide. FDIC records list its main office in Hauppauge, NY and show it operating since 1909. With $15.03 billion in total assets on June 30, 2026, it ranks No. 129 of 4,232 U.S. banks by total assets. The Smithtown Branch at 180 E Main St dates to 2014 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Smithtown Branch180 E Main St, 11787
Flagstar Bank · 1
Flagstar has 1 branch in Smithtown, 108 across New York and 345 nationwide. FDIC records list its main office in Hicksville, NY and show it operating since 1987. With $87.71 billion in total assets on June 30, 2026, it ranks No. 36 of 4,232 U.S. banks by total assets. The Smithtown Bypass Branch at 719 Smithtown Byp dates to 1998 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Smithtown Bypass Branch719 Smithtown Byp, 11787
Fourleaf Credit Union Credit union · 1
Fourleaf Credit Union has 1 office in Smithtown, 38 across New York. It is based in Bethpage, NY and $14.37 billion 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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Smithtown240 Middle Country Road, 11787
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
M&T Bank Bank · 1
M&T Bank has 1 branch in Smithtown, 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 Smithtown Branch at 1 E Main St dates to 1910 in FDIC branch records. It opens on Saturday.
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Smithtown Branch1 E Main St, 11787
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
TD Bank Bank · 1
TD Bank has 1 branch in Smithtown, 231 across New York and 1,051 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1852. With $342.80 billion in total assets on June 30, 2026, it ranks No. 13 of 4,232 U.S. banks by total assets. The Smithtown Branch at 714 Smithtown Byp dates to 2005 in FDIC branch records. It opens on Saturday.
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Smithtown Branch714 Smithtown Byp, 11787
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun closed
Hours: TD Bank branch locator (All The Places), checked Oct 10, 2026
Teachers Credit Union Credit union · 1
Teachers Credit Union has 1 office in Smithtown, 31 across New York. It is based in Smithtown, NY and $9.94 billion 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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Smithtown47 Route 111, 11787
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Smithtown
2 credit unions have 2 offices here: Fourleaf Credit Union and Teachers 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 Smithtown page has every office in the state's directory.
Banking in Smithtown: the local picture
Short answer: 7 banks run 8 branches in Smithtown 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 7 banks, 0 have their main office in Smithtown, 3 elsewhere in New York and 4 out of state, according to the FDIC.
The bank with the longest record here is Citibank, operating since 1812 according to the FDIC. In FDIC branch records, the longest-running branch is M&T Bank's office at 1 E Main St, dating to 1910; the newest is Dime Community Bank's at 180 E Main St, from 2014.
2 credit unions have 2 offices in Smithtown, according to the NCUA. Who can join each one is on the credit unions page.
Of the 7 locations with published hours. 7 open on Saturday. 3 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Smithtown
Short answer: 7 of the 7 Smithtown locations with published hours open on Saturday, run by 6 institutions.
- Chase: 2 of 2 branches (42 W Main St: Saturday 9 am to 2 pm, and 1 more)
- Bank of America: 1 of 1 branch (31 Route 111: Saturday 9 am to 2 pm)
- TD Bank: 1 of 1 branch (714 Smithtown Byp: Saturday 9 am to 1 pm)
- M&T Bank: 1 of 1 branch (1 E Main St: Saturday 9 am to 12 pm)
- Fourleaf Credit Union: 1 of 1 office (240 Middle Country Road: Saturday 9 am to 2 pm)
- Teachers Credit Union: 1 of 1 office (47 Route 111: Saturday 9 am to 2 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; 3 of the 10 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 Smithtown, and where the nearest one is if they do not.
Short answer: In Smithtown: Chase (2), Bank of America (1), TD Bank (1). No branches in Smithtown: Wells Fargo (nearest in Lake Grove, 3 mi), PNC Bank (nearest in New York, 39 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in New York, 42 mi), Huntington, Regions Bank, BMO.
| Bank | In Smithtown | Nearest branch if none here |
|---|---|---|
| Chase | 2 branches | here |
| Bank of America | 1 branch | here |
| TD Bank | 1 branch | here |
| Wells Fargo | None | Lake Grove, 3 miles away |
| PNC Bank | None | New York, 39 miles away |
| U.S. Bank | None | none in New York |
| Truist | None | none in New York |
| Fifth Third Bank | None | New York, 42 miles away |
| Huntington | None | none in New York |
| Regions Bank | None | none in New York |
| 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 Smithtown 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 Smithtown residents like anyone else.
Banks near Smithtown
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Saint James (3 miles) and Lake Grove (3 miles). Hauppauge, 4 miles away, has the most banks nearby: 12.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Saint James, NY | 3 mi | 2 | 2 |
| Banks in Lake Grove, NY | 3 mi | 5 | 5 |
| Banks in Islandia, NY | 3 mi | 5 | 5 |
| Banks in Hauppauge, NY | 4 mi | 12 | 13 |
| Banks in Central Islip, NY | 4 mi | 2 | 2 |
| Banks in Kings Park, NY | 4 mi | 3 | 3 |
| Banks in Lake Ronkonkoma, NY | 5 mi | 3 | 3 |
| Banks in Ronkonkoma, NY | 5 mi | 5 | 5 |
Bank branch openings and closings in Smithtown
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Smithtown 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 Smithtown
Short answer: 1 institution has its main office in Smithtown: Teachers Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Teachers Credit Union | Credit union | $9.94 billion | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Smithtown by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Smithtown offices.
Short answer: Chase is the largest bank with offices in Smithtown, with $4.09 trillion in total assets on June 30, 2026, No. 1 among U.S. banks by total assets. Bank of America is second with $2.65 trillion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Chase | $4.09 trillion | No. 1 | 2 | Columbus, OH |
| Bank of America | $2.65 trillion | No. 2 | 1 | Charlotte, NC |
| Citibank | $1.98 trillion | No. 3 | 1 | Sioux Falls, SD |
| TD Bank | $342.80 billion | No. 13 | 1 | Wilmington, DE |
| M&T Bank | $218.79 billion | No. 21 | 1 | Buffalo, NY |
| Flagstar | $87.71 billion | No. 36 | 1 | Hicksville, NY |
| Dime Community Bank | $15.03 billion | No. 129 | 1 | Hauppauge, NY |
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 Smithtown: FAQ
How many banks are in Smithtown, NY?
Smithtown has 7 banks with 8 branches and 2 credit unions with 2 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 Smithtown?
Chase, with 2. Bank of America has 1 and Citibank has 1.
Is there a Chase in Smithtown, NY?
Yes. FDIC data lists 2 Chase branches in Smithtown as of September 5, 2026. Its branches are listed under Chase above, with the address and directions for each.
Is there a Bank of America in Smithtown, NY?
Yes. FDIC data lists 1 Bank of America branch in Smithtown as of September 5, 2026. The address and directions are under Bank of America above.
Is there a Citibank in Smithtown, NY?
Yes. FDIC data lists 1 Citibank branch in Smithtown as of September 5, 2026. The address and directions are under Citibank above.
Is there a Wells Fargo in Smithtown, NY?
No. FDIC data lists no Wells Fargo branch in Smithtown as of September 5, 2026. The nearest is in Lake Grove, about 3 miles away in a straight line.
Which banks in Smithtown are open on Saturday?
Chase, Bank of America, TD Bank and M&T Bank and 2 more publish Saturday hours for one or more Smithtown locations. The Saturday section above lists each one with its hours. 3 of the 10 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Smithtown?
Teachers Credit Union has its main office in Smithtown, according to the FDIC and the NCUA.
What is the oldest bank in Smithtown?
Citibank has the longest record among banks with a branch here: the FDIC shows it operating since 1812.
Which credit unions can I join in Smithtown?
Fourleaf Credit Union and Teachers Credit Union have offices in Smithtown. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Smithtown 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 Smithtown?
Nearby cities with more banks include Saint James, Lake Grove, Islandia. Saint James is 3 miles away with 2 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 2 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 (5 of 8 branches: Bank of America, Chase, M&T Bank, TD 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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