Banks in Southold, NY

Bank branch map: Southold

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: 3 banks and credit unions operate 3 locations in Southold, according to the FDIC. 3 of them have coordinates on record and are on the map. 1 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 Southold

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

Short answer: Bank of America, Dime Community Bank and ConnectOne Bank have the most locations in Southold, with 1 each. 3 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.

Bank of America Bank of America, National Association · 1 branch · main office Charlotte, NC Bank · 1

Bank of America has 1 branch in Southold, 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 Southold Branch at 53300 Main Rd dates to 1966 in FDIC branch records. Its published hours do not list Saturday.

• Southold Branch

  53300 Main Rd, 11971

  (631) 876-2091Today 9 am to 4 pm

  All hours

  Mon closed; Tue to Fri 9 am to 4 pm; Sat to Sun closed

  Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026

  DirectionsBranch page

Bank of America: profile, branches and contacts

ConnectOne Bank 1 branch · main office Englewood Cliffs, NJ Bank · 1

ConnectOne Bank has 1 branch in Southold, 42 across New York and 57 nationwide. FDIC records list its main office in Englewood Cliffs, NJ and show it operating since 2005. With $14.40 billion in total assets on June 30, 2026, it ranks No. 133 of 4,232 U.S. banks by total assets. The Southold Branch at 53345 Main Road dates to 2024 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Southold Branch

  53345 Main Road, 11971

  Hours: see the bank's site
  DirectionsWebsite

ConnectOne Bank: profile, branches and contacts

Dime Community Bank Dime Commercial Bank · 1 branch · main office Hauppauge, NY Bank · 1

Dime Community Bank has 1 branch in Southold, 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 Southold Branch at 54970 Main Rd dates to 1990 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Southold Branch

  54970 Main Rd, 11971

  Hours: see the bank's site
  DirectionsWebsite

Dime Community Bank: profile, branches and contacts

Banking in Southold: the local picture

Short answer: 3 banks run 3 branches in Southold 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 Southold, 1 elsewhere in New York and 2 out of state, according to the FDIC.

The bank with the longest record here is Bank of America, operating since 1904 according to the FDIC. In FDIC branch records, the longest-running branch is Bank of America's office at 53300 Main Rd, dating to 1966; the newest is ConnectOne Bank's at 53345 Main Road, from 2024.

Of the 1 location with published hours. None open on Saturday. 2 locations have no published hours in these sources.

Saturday hours in Southold

Short answer: None of the 1 Southold location with published hours lists Saturday hours. 2 locations do not publish hours in these sources; call ahead.

Bank branches show hours only where the bank publishes them in a source this page uses; 2 of the 3 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 Southold, and where the nearest one is if they do not.

Short answer: In Southold: Bank of America (1). No branches in Southold: Chase (nearest in Greenport, 4 mi), Wells Fargo (nearest in Southampton, 12 mi), PNC Bank (nearest in New York, 80 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in New York, 84 mi), Huntington, Regions Bank, TD Bank (nearest in Hampton Bays, 15 mi), BMO.

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Southold 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 Southold residents like anyone else.

Banks near Southold

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

Short answer: The closest towns with more choice are Greenport (4 miles) and Shelter Island (5 miles). Southampton, 12 miles away, has the most banks nearby: 7.

Bank branch openings and closings in Southold

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

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

Largest banks in Southold by total assets

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

Short answer: Bank of America is the largest bank with offices in Southold, with $2.65 trillion in total assets on June 30, 2026, No. 2 among U.S. banks by total assets. Dime Community Bank is second with $15.03 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 Southold: FAQ

How we build this page

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