Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community bank, $1B to $10B

Five Star Bank

Warsaw, New YorkBankNew York Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Inactive Account Fee$5Within the typical range ($5–$10 nationally)

per month · Knox deterministic extraction from Rosetta artifact #3231. canonical_hint=dormant_account; text_hash=a24f7129942b1ba554806f95d37f884b2a13695f190836a9646e27cd1527e3df; excerpt="Inactive Account Fee** | $5.00 | Monthly | End of Day Processing" · Source

Overdraft & NSFVerified

Overdraft Item Fee (Item Paid)$40Above the typical range ($20–$30 nationally)
$12 above the national median
per item · Knox deterministic extraction from Rosetta artifact #3231. canonical_hint=overdraft; text_hash=a24f7129942b1ba554806f95d37f884b2a13695f190836a9646e27cd1527e3df; excerpt="Overdraft Item Fee (Item Paid) | $40.00 | Per Item | End of Day Processing" · Source

ATM & CardVerified

ATM Withdrawal Fee at a Five Star Bank ATM$0Below the typical range ($1–$3 nationally)
$1.50 below the national median
per transaction · Knox read a free fee from Rosetta artifact #3231. canonical_hint=atm_non_network; text_hash=a24f7129942b1ba554806f95d37f884b2a13695f190836a9646e27cd1527e3df; excerpt="ATM Withdrawal Fee at a Five Star Bank ATM* | Free | Per Transaction | n/a" · Source
Debit Card Replacement Fee$5Within the typical range ($5–$10 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #3231. canonical_hint=card_replacement; text_hash=a24f7129942b1ba554806f95d37f884b2a13695f190836a9646e27cd1527e3df; excerpt="Debit Card Replacement Fee | $5.00 | Per Card | At the time of transaction" · Source

Wire TransfersVerified

Wire Transfer Outgoing (Domestic)$25Within the typical range ($20–$25 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #3231. canonical_hint=wire_domestic_outgoing; text_hash=a24f7129942b1ba554806f95d37f884b2a13695f190836a9646e27cd1527e3df; excerpt="Wire Transfer Outgoing (Domestic) | $25.00 | Per Wire | At the time of transaction" · Source

Check ServicesVerified

Cashier's Check$6Within the typical range ($3–$6 nationally)
$1 above the national median
per item · Knox deterministic extraction from Rosetta artifact #3231. canonical_hint=cashiers_check; text_hash=a24f7129942b1ba554806f95d37f884b2a13695f190836a9646e27cd1527e3df; excerpt="Cashier's Check | $6.00 | Per Check | At the time of transaction" · Source
Money Order$5Above the typical range ($2–$3.50 nationally)
$3 above the national median
per item · Knox deterministic extraction from Rosetta artifact #3231. canonical_hint=money_order; text_hash=a24f7129942b1ba554806f95d37f884b2a13695f190836a9646e27cd1527e3df; excerpt="Money Order | $5.00 | Per Item | At the time of transaction" · Source
Stop Payment (Checks) Fee$35Above the typical range ($20–$30 nationally)
$8 above the national median
Knox deterministic extraction from Rosetta artifact #3231. canonical_hint=stop_payment; text_hash=a24f7129942b1ba554806f95d37f884b2a13695f190836a9646e27cd1527e3df; excerpt="Stop Payment (Checks) Fee | $35.00 | Per Occurrence | At the time of transaction" · Source

Cash & DepositVerified

Locked Night Deposit Bag$25Above the typical range ($5–$20 nationally)
$11.25 above the national median
Knox deterministic extraction from Rosetta artifact #3231. canonical_hint=night_deposit; text_hash=a24f7129942b1ba554806f95d37f884b2a13695f190836a9646e27cd1527e3df; excerpt="Locked Night Deposit Bag | $25.00 | Per Bag | At the time of purchase" · Source

Account ServicesVerified

Levy/Execution$100Above the typical range ($25–$75 nationally)
$50 above the national median
Knox deterministic extraction from Rosetta artifact #3231. canonical_hint=garnishment_levy; text_hash=a24f7129942b1ba554806f95d37f884b2a13695f190836a9646e27cd1527e3df; excerpt="Levy/Execution | $100.00 | Per Paper | At the time of execution" · Source
Notary Services: Customer Non-Customer$0Within the typical range ($0–$5 nationally)
$2.50 below the national median
Knox read a free fee from Rosetta artifact #3231. canonical_hint=notary_fee; text_hash=a24f7129942b1ba554806f95d37f884b2a13695f190836a9646e27cd1527e3df; excerpt="Notary Services: Customer Non-Customer | $0.00 $2.00 | Per Request Per Request | At the time of transaction" · Source
Safe Deposit & Self-Storage Box Lost Key$20Below the typical range ($25–$80 nationally)
$20 below the national median
Knox deterministic extraction from Rosetta artifact #3231. canonical_hint=safe_deposit_box; text_hash=a24f7129942b1ba554806f95d37f884b2a13695f190836a9646e27cd1527e3df; excerpt="Safe Deposit & Self-Storage Box Lost Key | $20.00 | Per Key | At the time of transaction" · Source
Safe Deposit & Self-Storage Box Rental Fee$40Within the typical range ($25–$80 nationally)
At the national median
per year · Knox deterministic extraction from Rosetta artifact #3231. canonical_hint=safe_deposit_box; text_hash=a24f7129942b1ba554806f95d37f884b2a13695f190836a9646e27cd1527e3df; excerpt="Safe Deposit & Self-Storage Box Rental Fee**** | $40.00 | Per Year | At the time of transaction" · Source
Subpoena$100Within the typical range ($25–$100 nationally)
$50 above the national median
Knox deterministic extraction from Rosetta artifact #3231. canonical_hint=legal_process; text_hash=a24f7129942b1ba554806f95d37f884b2a13695f190836a9646e27cd1527e3df; excerpt="Subpoena | $100.00 | Per Paper | At the time of completion" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Inactive Account Fee	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #3231. canonical_hint=dormant_account; text_hash=a24f7129942b1ba554806f95d37f884b2a13695f190836a9646e27cd1527e3df; excerpt="Inactive Account Fee** \| $5.00 \| Monthly \| End of Day Processing"	Source
Overdraft & NSFVerified
Overdraft Item Fee (Item Paid)	$40Above the typical range ($20–$30 nationally)	$12 above the national median	per item	Knox deterministic extraction from Rosetta artifact #3231. canonical_hint=overdraft; text_hash=a24f7129942b1ba554806f95d37f884b2a13695f190836a9646e27cd1527e3df; excerpt="Overdraft Item Fee (Item Paid) \| $40.00 \| Per Item \| End of Day Processing"	Source
ATM & CardVerified
ATM Withdrawal Fee at a Five Star Bank ATM	$0Below the typical range ($1–$3 nationally)	$1.50 below the national median	per transaction	Knox read a free fee from Rosetta artifact #3231. canonical_hint=atm_non_network; text_hash=a24f7129942b1ba554806f95d37f884b2a13695f190836a9646e27cd1527e3df; excerpt="ATM Withdrawal Fee at a Five Star Bank ATM* \| Free \| Per Transaction \| n/a"	Source
Debit Card Replacement Fee
Wire TransfersVerified
Wire Transfer Outgoing (Domestic)	$25Within the typical range ($20–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #3231. canonical_hint=wire_domestic_outgoing; text_hash=a24f7129942b1ba554806f95d37f884b2a13695f190836a9646e27cd1527e3df; excerpt="Wire Transfer Outgoing (Domestic) \| $25.00 \| Per Wire \| At the time of transaction"	Source
Check ServicesVerified
Cashier's Check	$6Within the typical range ($3–$6 nationally)	$1 above the national median	per item	Knox deterministic extraction from Rosetta artifact #3231. canonical_hint=cashiers_check; text_hash=a24f7129942b1ba554806f95d37f884b2a13695f190836a9646e27cd1527e3df; excerpt="Cashier's Check \| $6.00 \| Per Check \| At the time of transaction"	Source
Money Order
Cash & DepositVerified
Locked Night Deposit Bag	$25Above the typical range ($5–$20 nationally)	$11.25 above the national median	—	Knox deterministic extraction from Rosetta artifact #3231. canonical_hint=night_deposit; text_hash=a24f7129942b1ba554806f95d37f884b2a13695f190836a9646e27cd1527e3df; excerpt="Locked Night Deposit Bag \| $25.00 \| Per Bag \| At the time of purchase"	Source
Account ServicesVerified
Levy/Execution	$100Above the typical range ($25–$75 nationally)	$50 above the national median	—	Knox deterministic extraction from Rosetta artifact #3231. canonical_hint=garnishment_levy; text_hash=a24f7129942b1ba554806f95d37f884b2a13695f190836a9646e27cd1527e3df; excerpt="Levy/Execution \| $100.00 \| Per Paper \| At the time of execution"	Source
Notary Services: Customer Non-Customer

Fee change alerts

Get an email when Five Star Bank changes a fee

One email when a verified fee you follow changes. Nothing else unless you ask for it.

Work at Five Star Bank? Benchmark it against peers, free

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

$40

Overdraft fee: $40

43% above the national median overdraft fee

Total fees: 14 — leaner than most institutions

Verified fees

Under review

Assets

$6.3B

Work at Five Star Bank? See every fee vs. your peers.

The Competitive Fee Position Report: every fee on this page benchmarked against a verified peer set, in a board-ready document. free, delivered in 48 hours.

Get your free report Correct or add a fee source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$6.3B

Total deposits

$5.3B

Service charge income

$957K

Fee income ratio

1.5%

Return on assets

1.43%

Branches

Service charge income by quarter

Q2 2026$957K

Q1 2026$934K

Q4 2025$966K

Q3 2025$997K

Financial profile · Pro

Performance from regulator filings

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

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 20,792 verified fees from 2,117 institutions

See pricing