Fulton Savings Bank

Headquarters: Fulton, New York
Charter: Bank
Assets: $492.3M
Fed district: New York

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

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

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Fees against the market

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

Monthly Maintenance
Fulton Savings Bank: $3
Fulton Savings Bank: $3
U.S. median: no median
Overdraft (OD)
Fulton Savings Bank: $32
Fulton Savings Bank: $32
U.S. median: no median
NSF / Returned Item
Fulton Savings Bank: $32
Fulton Savings Bank: $32
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 Fulton Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly service fee$3
per month
Premature Account Closing Fee (Accounts opened less than 180 days)$25
Inactive Account Fee (After 60 days of inactivity)$5
per month
Account research / reconciliation$35
Not compared: Charged per hour; comparison unavailable
per hour · Account research / reconciliation: | $35.00 per hour
Returned Mail$5
per month

Overdraft & NSF

Overdraft (paid) Insufficient Funds (Checks, ACH, EFT, ATM withdrawals)$32
per item
Returned (unpaid) Insufficient Funds (Checks, ACH, EFT, ATM withdrawals)$32
per item

ATM & Card

Non-Fulton Savings Bank ATM balance inquiry$1.50
per item
Non-Fulton Savings Bank ATM transfer fee$1.50
per item
Non-Fulton Savings Bank ATM withdrawal$1.50
per item
Debit Card International POS fee (US value of payment)1%

Wire Transfers

Outgoing wire transfers$25
per item
Incoming wire transfers$15
per item

Check Services

Official Checks$3
per item
Money Orders$2
per item
Stop Payment order$32
per item
Foreign check collection$20
per item

Account Services

Legal processing fee$175
per item
Verification of deposit for loan purposes$15
per item

Other Fees

Copies of account$2
Not compared: Charged per statement; comparison unavailable
per statement · Copies of account: | $2.00 per statement

Fee	Amount	Basis	Note
Account Maintenance
Monthly service fee	$3	per month	None
Premature Account Closing Fee (Accounts opened less than 180 days)	$25	Not stated	None
Inactive Account Fee (After 60 days of inactivity)	$5	per month	None
Account research / reconciliation	$35Not compared: Charged per hour; comparison unavailable	per hour	Account research / reconciliation: \| $35.00 per hour
Returned Mail	$5	per month	None
Overdraft & NSF
Overdraft (paid) Insufficient Funds (Checks, ACH, EFT, ATM withdrawals)	$32	per item	None
Returned (unpaid) Insufficient Funds (Checks, ACH, EFT, ATM withdrawals)	$32	per item	None
ATM & Card
Non-Fulton Savings Bank ATM balance inquiry	$1.50	per item	None
Non-Fulton Savings Bank ATM transfer fee	$1.50	per item	None
Non-Fulton Savings Bank ATM withdrawal	$1.50	per item	None
Debit Card International POS fee (US value of payment)	1%	Not stated	None
Wire Transfers
Outgoing wire transfers	$25	per item	None
Incoming wire transfers	$15	per item	None
Check Services
Official Checks	$3	per item	None
Money Orders	$2	per item	None
Stop Payment order	$32	per item	None
Foreign check collection	$20	per item	None
Account Services
Legal processing fee	$175	per item	None
Verification of deposit for loan purposes	$15	per item	None
Other Fees
Copies of account	$2Not compared: Charged per statement; comparison unavailable	per statement	Copies of account: \| $2.00 per statement

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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