Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, $300M to $1B

Fulton Savings Bank

Fulton, New YorkBankNew York Fed districtFees collected Oct 5, 2026Financials Q2 2026

Website

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account research / reconciliation$35Above the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Overdraft (paid) Insufficient Funds (Checks, ACH, EFT, ATM withdrawals)$32Within the typical range ($25–$32 nationally)
$2 above the national median
per item · Source
Returned (unpaid) Insufficient Funds (Checks, ACH, EFT, ATM withdrawals)$32Above the typical range ($25–$31 nationally)
$2 above the national median
per item · Source

Wire TransfersVerified

Incoming wire transfers$15Within the typical range ($5–$15 nationally)
$5 above the national median
Source
Outgoing wire transfers$25Within the typical range ($20–$25 nationally)
At the national median
Source

Check ServicesVerified

Money Orders$2Within the typical range ($1.75–$3 nationally)
At the national median
Source
Official Checks$3Within the typical range ($3–$5.50 nationally)
$2 below the national median
Source
Stop Payment order$32Above the typical range ($20–$30 nationally)
$7 above the national median
Source

Cash & DepositVerified

Green Zipper Bags$2Below the typical range ($5–$20 nationally)
$11 below the national median
Source
Night Deposit canvas lock bags$35Above the typical range ($5–$20 nationally)
$22 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account research / reconciliation	$35Above the typical range ($20–$25 nationally)	$10 above the national median	—	—	Source
Inactive Account Fee (After 60 days of inactivity)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Monthly service fee if balance falls below during statement cycle	$3Within the typical range ($3–$10 nationally)	$2.96 below the national median	per month	—	Source
Premature Account Closing Fee (Accounts opened less than 180 days)	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	—	Source
Overdraft & NSFVerified
Overdraft (paid) Insufficient Funds (Checks, ACH, EFT, ATM withdrawals)	$32Within the typical range ($25–$32 nationally)	$2 above the national median	per item	—	Source
Returned (unpaid) Insufficient Funds (Checks, ACH, EFT, ATM withdrawals)	$32
ATM & CardVerified
Non-Fulton Savings Bank ATM withdrawal	$1.50Within the typical range ($1–$2.50 nationally)	$0.25 below the national median	—	—	Source
Wire TransfersVerified
Incoming wire transfers	$15Within the typical range ($5–$15 nationally)	$5 above the national median	—	—	Source
Outgoing wire transfers	$25
Check ServicesVerified
Money Orders	$2Within the typical range ($1.75–$3 nationally)	At the national median	—	—	Source
Official Checks	$3
Cash & DepositVerified
Green Zipper Bags	$2Below the typical range ($5–$20 nationally)	$11 below the national median	—	—	Source
Night Deposit canvas lock bags	$35
Account ServicesVerified
Verification of deposit for loan purposes	$15Within the typical range ($10–$15 nationally)	$5 above the national median	—	—	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$32

Overdraft fee: $32

7% above the national median overdraft fee

Total fees: 15 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$492.3M

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$492.3M

Total deposits

$283.8M

Service charge income

$389K

Fee income ratio

5.0%

Return on assets

2.86%

Branches

Service charge income by quarter

Q2 2026$389K

Q1 2026$362K

Q4 2025$406K

Q3 2025$401K

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 33,861 verified fees from 2,470 institutions

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