Cross County Savings Bank

Headquarters: Middle Village, New York
Charter: Bank
Assets: $525.4M
Fed district: New York

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

Source: its fee schedule, read Nov 1, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Cross County Savings Bank: $35
Cross County Savings Bank: $35
U.S. median: no median
NSF / Returned Item
Compared at $22.50, the middle of its prices
Cross County Savings Bank: $10 to $35
Cross County Savings Bank: $10 to $35
U.S. median: no median
Non-Network ATM
Cross County Savings Bank: $2.50
Cross County Savings Bank: $2.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 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 Cross County Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Account Closed within Six Months$25
Abandoned Property Handling Fee (per account)$25
Reclamation of Escheated Funds (per account)$30
Account Reconciliation Fee (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Record Research Fee (per hour)$30
Not compared: Charged per hour; comparison unavailable
per hour
Statement Print Service Charge (per statement)$10
Savings Withdrawal Limit Fee (per item)$10
per item
Returned Mail Handling Fee (per item)$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Premium OD Fee (per item paid)$35
per item
Insufficient Funds Charge (per item, per presentment2)$35
per item
Returned Check Charge (per item)$10
per item
Overdraft Protection Transfer Fee (per transfer)$12
per item

ATM & Card

Non-Network ATM Fee (per transaction)$2.50
per transaction
ATM/Debit Card Replacement$10

Wire Transfers

Domestic Outgoing Wire$40
Domestic Incoming Wire$15
Foreign Outgoing Wire$45
Foreign Incoming Wire$15

Check Services

Tellers Checks (under $1,000.00)$10
Money Order (depositor)$5
Money Order (non-depositor)$10
Stop Payment Fee (per item)$30
per item
Collection of Foreign Item Fee$55
Photocopy of Check Fee (per item)$10
per item

Cash & Deposit

Coin Machine Fee (depositor)No charge
Coin Machine Fee (non-depositor)10%

Account Services

Notary Public (depositor)No charge
Notary Public (non-depositor)$2
Safe Deposit Box Breakopen$200
Safe Deposit Box Late Payment Fee$15
Not compared: Box drilling or key fee
Safe Deposit Box Lost Key Fee$25
Not compared: Box drilling or key fee
Legal Processing Fee$125
Account Verification Letter$5

Other Fees

Photocopy of Transaction Slip (per item)$10
per item
Returned Loan Payment (per item)$20
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closed within Six Months	$25	Not stated	None
Abandoned Property Handling Fee (per account)	$25	Not stated	None
Reclamation of Escheated Funds (per account)	$30	Not stated	None
Account Reconciliation Fee (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Record Research Fee (per hour)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Statement Print Service Charge (per statement)	$10	Not stated	None
Savings Withdrawal Limit Fee (per item)	$10	per item	None
Returned Mail Handling Fee (per item)	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Premium OD Fee (per item paid)	$35	per item	None
Insufficient Funds Charge (per item, per presentment2)	$35	per item	None
Returned Check Charge (per item)	$10	per item	None
Overdraft Protection Transfer Fee (per transfer)	$12	per item	None
ATM & Card
Non-Network ATM Fee (per transaction)	$2.50	per transaction	None
ATM/Debit Card Replacement	$10	Not stated	None
Wire Transfers
Domestic Outgoing Wire	$40	Not stated	None
Domestic Incoming Wire	$15	Not stated	None
Foreign Outgoing Wire	$45	Not stated	None
Foreign Incoming Wire	$15	Not stated	None
Check Services
Tellers Checks (under $1,000.00)	$10	Not stated	None
Money Order (depositor)	$5	Not stated	None
Money Order (non-depositor)	$10	Not stated	None
Stop Payment Fee (per item)	$30	per item	None
Collection of Foreign Item Fee	$55	Not stated	None
Photocopy of Check Fee (per item)	$10	per item	None
Cash & Deposit
Coin Machine Fee (depositor)	No charge	Not stated	None
Coin Machine Fee (non-depositor)	10%	Not stated	None
Account Services
Notary Public (depositor)	No charge	Not stated	None
Notary Public (non-depositor)	$2	Not stated	None
Safe Deposit Box Breakopen	$200	Not stated	None
Safe Deposit Box Late Payment Fee	$15Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Lost Key Fee	$25Not compared: Box drilling or key fee	Not stated	None
Legal Processing Fee	$125	Not stated	None
Account Verification Letter	$5	Not stated	None
Other Fees
Photocopy of Transaction Slip (per item)	$10	per item	None
Returned Loan Payment (per item)	$20	per item	None

Correct a fee source

Nov 1, 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.

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