Lake Shore Bank

Headquarters: Dunkirk, New York
Charter: Bank
Assets: $735.9M
Fed district: New York

11 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.

Stop Payment
Lake Shore Bank: $34
Lake Shore Bank: $34
U.S. median: no median
Cashier's Check
Lake Shore Bank: $5
Lake Shore Bank: $5
U.S. median: no median
Debit Card Replacement
Lake Shore Bank: $10
Lake Shore Bank: $10
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 Lake Shore Bank’s own schedules, with a source for each figure.

Account Maintenance

Dormant Checking Account Charge$5
per month
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$10
per item
Checkbook Reconciliation Assistance$30
Not compared: Charged per hour; comparison unavailable
per hour
Incorrect Address Fee/Returned Statement Fee$5

ATM & Card

ATM International Transaction Fee$2
per item
Replacement of Debit Cards/PINs$10
per item

Check Services

Cashiers Checks: For customers$5
per item
Stop Payment Fees$34
per item
Canadian Check Handling Charge$5
per item
Collection Item$15
per item
Foreign Check Handling Charge$20
per item
Copies of Checks$1
per item

Account Services

Notary Public Fee (non-customer)$2
per item
Drilling Expense$325
Not compared: Box drilling or key fee
per item
Incoming$15
per item
Replace Lost Key$25
Not compared: Box drilling or key fee
per item

Lending Fees

Late Payment Fee (after 30 days)$10
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Dormant Checking Account Charge	$5	per month	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$10	per item	None
Checkbook Reconciliation Assistance	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Incorrect Address Fee/Returned Statement Fee	$5	Not stated	None
ATM & Card
ATM International Transaction Fee	$2	per item	None
Replacement of Debit Cards/PINs	$10	per item	None
Check Services
Cashiers Checks: For customers	$5	per item	None
Stop Payment Fees	$34	per item	None
Canadian Check Handling Charge	$5	per item	None
Collection Item	$15	per item	None
Foreign Check Handling Charge	$20	per item	None
Copies of Checks	$1	per item	None
Account Services
Notary Public Fee (non-customer)	$2	per item	None
Drilling Expense	$325Not compared: Box drilling or key fee	per item	None
Incoming	$15	per item	None
Replace Lost Key	$25Not compared: Box drilling or key fee	per item	None
Lending Fees
Late Payment Fee (after 30 days)	$10Not compared: Monthly charge, not per item	per month	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 Lake Shore Bank's ach origination changes in our data

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