Empire State Bank

Headquarters: Staten Island, New York
Charter: Bank
Assets: $617.8M
Fed district: New York

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

Source: its fee schedule, read Oct 13, 2026.

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Fees against the market

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

NSF / Returned Item
Compared at $25, the middle of its prices
Empire State Bank: $20 to $30
Empire State Bank: $20 to $30
U.S. median: no median
Foreign Transaction
Empire State Bank: $5
Empire State Bank: $5
U.S. median: no median
Wire Transfer (Domestic Out)
Empire State Bank: $20
Empire State Bank: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 13, 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.

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Published fee schedule

Amounts from Empire State Bank’s own schedules, with a source for each figure.

Account Maintenance

Account Early Closure (closed within 6 months of account opening)$10
Undeliverable Mail$10

Overdraft & NSF

Insufficient Funds$30
per item
Insufficient Funds$20
per item
Savings to Checking Overdraft Transfer$10
Not compared: Daily charge, not per item
per day

ATM & Card

Visa Debit Card Replacement$15
per item
Rush Order$40
per item · Per card
Debit Card International Transaction$5
per transaction

Wire Transfers

Wire Transfer Services: Domestic - Outgoing$20
per item
Wire Transfer Services: Foreign - Outgoing$30
per item
Wire Transfer Services: Foreign - Incoming$30
per item

Check Services

Cashier's Checks$10
per item
Stop Payment$30
per item
Counter Checks$1
per item
International Collection Item$50
per item

Cash & Deposit

Deposited Item Returned$10
per item
Night Depository Key$5
per item

Account Services

Notary Service$2
per item
Drilling$200
Not compared: Box drilling or key fee
Safe Deposit Box 10 X 10$200
Safe Deposit Box 3 X 10$75
Safe Deposit Box 3 X 5$50
Safe Deposit Box 5 X 10$110
Safe Deposit Box 5 X 5$65
Legal Process (attachments, restraining notices, executions, summons & subpoenas)$100
per item

Other Fees

Copy of Statement, Paid Check or Deposited Item$10
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Early Closure (closed within 6 months of account opening)	$10	Not stated	None
Undeliverable Mail	$10	Not stated	None
Overdraft & NSF
Insufficient Funds	$30	per item	None
Insufficient Funds	$20	per item	None
Savings to Checking Overdraft Transfer	$10Not compared: Daily charge, not per item	per day	None
ATM & Card
Visa Debit Card Replacement	$15	per item	None
Rush Order	$40	per item	Per card
Debit Card International Transaction	$5	per transaction	None
Wire Transfers
Wire Transfer Services: Domestic - Outgoing	$20	per item	None
Wire Transfer Services: Foreign - Outgoing	$30	per item	None
Wire Transfer Services: Foreign - Incoming	$30	per item	None
Check Services
Cashier's Checks	$10	per item	None
Stop Payment	$30	per item	None
Counter Checks	$1	per item	None
International Collection Item	$50	per item	None
Cash & Deposit
Deposited Item Returned	$10	per item	None
Night Depository Key	$5	per item	None
Account Services
Notary Service	$2	per item	None
Drilling	$200Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 X 10	$200	Not stated	None
Safe Deposit Box 3 X 10	$75	Not stated	None
Safe Deposit Box 3 X 5	$50	Not stated	None
Safe Deposit Box 5 X 10	$110	Not stated	None
Safe Deposit Box 5 X 5	$65	Not stated	None
Legal Process (attachments, restraining notices, executions, summons & subpoenas)	$100	per item	None
Other Fees
Copy of Statement, Paid Check or Deposited Item	$10	per item	None

Correct a fee source

Oct 13, 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

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