TrustCo Bank

Headquarters: Glenville, New York
Charter: Bank
Assets: $6.5B
Fed district: New York

Three fees from its schedule are published so far: monthly maintenance $25, NSF / returned item $0 and debit card replacement $6.

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.

Monthly Maintenance
Home Town Investment Checking
Can be waived with a balance of $250 or more.
TrustCo Bank: $25
TrustCo Bank: $25
U.S. median: no median
NSF / Returned Item
TrustCo Bank: No fee
TrustCo Bank: No fee
U.S. median: no median
Debit Card Replacement
TrustCo Bank: $6
TrustCo Bank: $6
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.

Published fee schedule

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

Account Maintenance

Home Town Investment Checking Monthly service charge$25
per month

Overdraft & NSF

NSF / Returned ItemNo charge

ATM & Card

ATM/Debit Card Fee (Replacement)$6

Fee	Amount	Basis	Note
Account Maintenance
Home Town Investment Checking Monthly service charge	$25	per month	None
Overdraft & NSF
NSF / Returned Item	No charge	Not stated	None
ATM & Card
ATM/Debit Card Fee (Replacement)	$6	Not stated	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.

Fee change alerts

Get an email when TrustCo Bank publishes more fees

Once when its schedule is verified, then when a verified fee changes.