Community Bank, National Association

Headquarters: Canton, New York
Charter: Bank
Assets: $17.4B
Fed district: New York

21 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 9, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
CBNA Carefree Checking℠
Can be waived with a balance of $500 or more.
Community Bank, National Association: $4.95
Community Bank, National Association: $4.95
U.S. median: no median
Overdraft (OD)
Compared at $40, its standard fee, the highest of its prices
Community Bank, National Association: $36 to $40
Community Bank, National Association: $36 to $40
U.S. median: no median
NSF / Returned Item
Community Bank, National Association: $36
Community Bank, National Association: $36
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from Community Bank, National Association’s own schedules, with a source for each figure.

Account Maintenance

CBNA Carefree Checking℠ monthly fee$4.95
per month
Account Early Closing Fee – Christmas Club$5
Abandoned Account Escheat$10
Dormant Fee in Service (Dormant Account Fee)$15
per month
Account Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statements$2

Overdraft & NSF

Overdraft Fee$40
Overdraft Fee (Paid Item Fee - PIF)$36
per item
NSF Fee (Return Item Fee - RIF)$36
per item
Consecutive Day Overdraft Fee$5
per day

ATM & Card

ATM Balance Transfer Fee$2
per item
ATM Inquiry Fee$1
per item
ATM Withdrawal$2
ATM Withdrawal Fee$2
per transaction
Lost/Stolen Card Replacement$7.50
per item
Expedited Shipping Fee$60
per item
International Service Fee1%of the transaction

Wire Transfers

Per Outgoing Domestic Wire (Personal)$25
Per Incoming Wire$20
Per Outgoing International Personal Wire$50
Per Outgoing International Personal Wire$70

Check Services

Cashier's Checks$6
per item
Correspondent Bank Draft Fee$15
per item
Money Order Fee (Up to $1,000)$4
Stop Payment Fee$36
per item
Collection Item Fee$15
per item
Coupon Collection Fee$10

Digital & Electronic

Online Bill Payments (Non-Qualification Fee)$0.50
Not compared: Per-item charge, not monthly
per item
Zelle® Transfer Debits (Non-Qualification: Fee)$0.50
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Loose Coin Fee$3
per item

Account Services

Safe Deposit Box Lost Key Fee$20
Not compared: Box drilling or key fee
per item
Levies and Restraining Orders$90
per item
Subpoena Fee$90

Retirement & IRA

IRA/Health Savings Account Transfer Fee$30
per item

Fee	Amount	Basis	Note
Account Maintenance
CBNA Carefree Checking℠ monthly fee	$4.95	per month	None
Account Early Closing Fee – Christmas Club	$5	Not stated	None
Abandoned Account Escheat	$10	Not stated	None
Dormant Fee in Service (Dormant Account Fee)	$15	per month	None
Account Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statements	$2	Not stated	None
Overdraft & NSF
Overdraft Fee	$40	Not stated	None
Overdraft Fee (Paid Item Fee - PIF)	$36	per item	None
NSF Fee (Return Item Fee - RIF)	$36	per item	None
Consecutive Day Overdraft Fee	$5	per day	None
ATM & Card
ATM Balance Transfer Fee	$2	per item	None
ATM Inquiry Fee	$1	per item	None
ATM Withdrawal	$2	Not stated	None
ATM Withdrawal Fee	$2	per transaction	None
Lost/Stolen Card Replacement	$7.50	per item	None
Expedited Shipping Fee	$60	per item	None
International Service Fee	1%of the transaction	Not stated	None
Wire Transfers
Per Outgoing Domestic Wire (Personal)	$25	Not stated	None
Per Incoming Wire	$20	Not stated	None
Per Outgoing International Personal Wire	$50	Not stated	None
Per Outgoing International Personal Wire	$70	Not stated	None
Check Services
Cashier's Checks	$6	per item	None
Correspondent Bank Draft Fee	$15	per item	None
Money Order Fee (Up to $1,000)	$4	Not stated	None
Stop Payment Fee	$36	per item	None
Collection Item Fee	$15	per item	None
Coupon Collection Fee	$10	Not stated	None
Digital & Electronic
Online Bill Payments (Non-Qualification Fee)	$0.50Not compared: Per-item charge, not monthly	per item	None
Zelle® Transfer Debits (Non-Qualification: Fee)	$0.50Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Loose Coin Fee	$3	per item	None
Account Services
Safe Deposit Box Lost Key Fee	$20Not compared: Box drilling or key fee	per item	None
Levies and Restraining Orders	$90	per item	None
Subpoena Fee	$90	Not stated	None
Retirement & IRA
IRA/Health Savings Account Transfer Fee	$30	per item	None

Correct a fee source

Oct 9, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Community Bank, National Association's safe deposit box changes in our data

We check once a day and send one email covering every change.