Five Star Bank

Headquarters: Warsaw, New York
Charter: Bank
Assets: $6.3B
Fed district: New York

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

Source: its fee schedule, read Oct 15, 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)
Five Star Bank: $40
Five Star Bank: $40
U.S. median: no median
Non-Network ATM
Five Star Bank: $2
Five Star Bank: $2
U.S. median: no median
Wire Transfer (Domestic Out)
Five Star Bank: $25
Five Star Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 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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Among its peers

Five Star Bank · $6.3B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Banks only
$5.6B to $6.9B in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Five Star Bank(this institution)	Warsaw, NY	$6.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alpine Bank	Glenwood Springs, CO	$6.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Banesco USA	Miami, FL	$6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bradesco Bank	Coral Gables, FL	$6.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
CFG Bank	Lutherville, MD	$6.1B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Choice Financial Group	Fargo, ND	$6.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Trust Bank, Inc.	Pikeville, KY	$6.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Emigrant Bank	Miami, FL	$5.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
First Bank	St. Louis, MO	$6.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Financial Bank, National Association	Terre Haute, IN	$6.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First International Bank & Trust	Watford City, ND	$6.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank of America	East Lansing, MI	$6.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Firstrust Savings Bank	Conshohocken, PA	$5.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Independent Bank	Grand Rapids, MI	$5.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Intrust Bank, National Association	Wichita, KS	$6.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mercantile Bank	Grand Rapids, MI	$6.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Middlesex Savings Bank	Natick, MA	$6.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Orrstown Bank	Harrisburg, PA	$5.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
River City Bank	Sacramento, CA	$6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Shore United Bank, National Association	Easton, MD	$6.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Camden National Bank	Camden, ME	$6.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Washington Trust Company, of Westerly	Westerly, RI	$6.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
TrustCo Bank	Glenville, NY	$6.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
United Fidelity Bank, fsb	Evansville, IN	$6.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Westamerica Bank	San Rafael, CA	$5.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wilson Bank and Trust	Lebanon, TN	$6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

8 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Five Star Bank does not publish a monthly maintenance fee in the index.

The peer median is $10 among 17 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

Five Star Bank does not publish a monthly maintenance fee, so it is not on this chart.

Five Star BankPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

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

Account Maintenance

Early Account Closeout Fee$35
Inactive Account Fee$5
per month

Overdraft & NSF

Overdraft Item Fee (Item Paid)$40
per item
Overdraft Transfer from Savings$5
per item

ATM & Card

ATM Withdrawal Fee at a Non-Five Star Bank ATM (Owner of ATM may also charge an ATM Surcharge Fee)$2
per transaction
ATM Card Replacement Fee$5
per item
Debit Card Replacement Fee$5
per item

Wire Transfers

Wire Transfer Outgoing (Domestic)$25
per item
Wire Transfer Outgoing (Foreign)$75
per item
Wire Transfer Incoming (Domestic & Foreign)$20
per item

Check Services

Cashier's Check$6
per item
Money Order$5
per item
Stop Payment (Checks) Fee$35
per item

Account Services

Safe Deposit & Self-Storage Box Force Entry$125
Not compared: Box drilling or key fee
per item
Safe Deposit & Self-Storage Box Lost Key$20
Not compared: Box drilling or key fee
per item
Safe Deposit & Self-Storage Box Rental Fee$40
per year
Levy/Execution$100
Subpoena$100

Other Fees

Fax Machine Services 1st page sent After 1st page sent 1st page received After 1st page received$3
Photocopies$0.25
per item
Statement Copy$1.50

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closeout Fee	$35	Not stated	None
Inactive Account Fee	$5	per month	None
Overdraft & NSF
Overdraft Item Fee (Item Paid)	$40	per item	None
Overdraft Transfer from Savings	$5	per item	None
ATM & Card
ATM Withdrawal Fee at a Non-Five Star Bank ATM (Owner of ATM may also charge an ATM Surcharge Fee)	$2	per transaction	None
ATM Card Replacement Fee	$5	per item	None
Debit Card Replacement Fee	$5	per item	None
Wire Transfers
Wire Transfer Outgoing (Domestic)	$25	per item	None
Wire Transfer Outgoing (Foreign)	$75	per item	None
Wire Transfer Incoming (Domestic & Foreign)	$20	per item	None
Check Services
Cashier's Check	$6	per item	None
Money Order	$5	per item	None
Stop Payment (Checks) Fee	$35	per item	None
Account Services
Safe Deposit & Self-Storage Box Force Entry	$125Not compared: Box drilling or key fee	per item	None
Safe Deposit & Self-Storage Box Lost Key	$20Not compared: Box drilling or key fee	per item	None
Safe Deposit & Self-Storage Box Rental Fee	$40	per year	None
Levy/Execution	$100	Not stated	None
Subpoena	$100	Not stated	None
Other Fees
Fax Machine Services 1st page sent After 1st page sent 1st page received After 1st page received	$3	Not stated	None
Photocopies	$0.25	per item	None
Statement Copy	$1.50	Not stated	None

Correct a fee source

Oct 15, 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 Five Star Bank's ach origination changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Overdraft (OD)
Five Star Bank: $40
Five Star Bank: $40
U.S. median: no median
Non-Network ATM
Five Star Bank: $2
Five Star Bank: $2
U.S. median: no median
Wire Transfer (Domestic Out)
Five Star Bank: $25
Five Star Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 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.

Among its peers

Five Star Bank · $6.3B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Banks only
$5.6B to $6.9B in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Five Star Bank(this institution)	Warsaw, NY	$6.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alpine Bank	Glenwood Springs, CO	$6.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Banesco USA	Miami, FL	$6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bradesco Bank	Coral Gables, FL	$6.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
CFG Bank	Lutherville, MD	$6.1B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Choice Financial Group	Fargo, ND	$6.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Trust Bank, Inc.	Pikeville, KY	$6.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Emigrant Bank	Miami, FL	$5.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
First Bank	St. Louis, MO	$6.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Financial Bank, National Association	Terre Haute, IN	$6.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First International Bank & Trust	Watford City, ND	$6.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank of America	East Lansing, MI	$6.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Firstrust Savings Bank	Conshohocken, PA	$5.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Independent Bank	Grand Rapids, MI	$5.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Intrust Bank, National Association	Wichita, KS	$6.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mercantile Bank	Grand Rapids, MI	$6.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Middlesex Savings Bank	Natick, MA	$6.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Orrstown Bank	Harrisburg, PA	$5.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
River City Bank	Sacramento, CA	$6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Shore United Bank, National Association	Easton, MD	$6.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Camden National Bank	Camden, ME	$6.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Washington Trust Company, of Westerly	Westerly, RI	$6.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
TrustCo Bank	Glenville, NY	$6.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
United Fidelity Bank, fsb	Evansville, IN	$6.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Westamerica Bank	San Rafael, CA	$5.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wilson Bank and Trust	Lebanon, TN	$6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

8 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Five Star Bank does not publish a monthly maintenance fee in the index.

The peer median is $10 among 17 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

Five Star Bank does not publish a monthly maintenance fee, so it is not on this chart.

Five Star BankPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

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

Account Maintenance

Early Account Closeout Fee$35
Inactive Account Fee$5
per month

Overdraft & NSF

Overdraft Item Fee (Item Paid)$40
per item
Overdraft Transfer from Savings$5
per item

ATM & Card

ATM Withdrawal Fee at a Non-Five Star Bank ATM (Owner of ATM may also charge an ATM Surcharge Fee)$2
per transaction
ATM Card Replacement Fee$5
per item
Debit Card Replacement Fee$5
per item

Wire Transfers

Wire Transfer Outgoing (Domestic)$25
per item
Wire Transfer Outgoing (Foreign)$75
per item
Wire Transfer Incoming (Domestic & Foreign)$20
per item

Check Services

Cashier's Check$6
per item
Money Order$5
per item
Stop Payment (Checks) Fee$35
per item

Account Services

Safe Deposit & Self-Storage Box Force Entry$125
Not compared: Box drilling or key fee
per item
Safe Deposit & Self-Storage Box Lost Key$20
Not compared: Box drilling or key fee
per item
Safe Deposit & Self-Storage Box Rental Fee$40
per year
Levy/Execution$100
Subpoena$100

Other Fees

Fax Machine Services 1st page sent After 1st page sent 1st page received After 1st page received$3
Photocopies$0.25
per item
Statement Copy$1.50

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closeout Fee	$35	Not stated	None
Inactive Account Fee	$5	per month	None
Overdraft & NSF
Overdraft Item Fee (Item Paid)	$40	per item	None
Overdraft Transfer from Savings	$5	per item	None
ATM & Card
ATM Withdrawal Fee at a Non-Five Star Bank ATM (Owner of ATM may also charge an ATM Surcharge Fee)	$2	per transaction	None
ATM Card Replacement Fee	$5	per item	None
Debit Card Replacement Fee	$5	per item	None
Wire Transfers
Wire Transfer Outgoing (Domestic)	$25	per item	None
Wire Transfer Outgoing (Foreign)	$75	per item	None
Wire Transfer Incoming (Domestic & Foreign)	$20	per item	None
Check Services
Cashier's Check	$6	per item	None
Money Order	$5	per item	None
Stop Payment (Checks) Fee	$35	per item	None
Account Services
Safe Deposit & Self-Storage Box Force Entry	$125Not compared: Box drilling or key fee	per item	None
Safe Deposit & Self-Storage Box Lost Key	$20Not compared: Box drilling or key fee	per item	None
Safe Deposit & Self-Storage Box Rental Fee	$40	per year	None
Levy/Execution	$100	Not stated	None
Subpoena	$100	Not stated	None
Other Fees
Fax Machine Services 1st page sent After 1st page sent 1st page received After 1st page received	$3	Not stated	None
Photocopies	$0.25	per item	None
Statement Copy	$1.50	Not stated	None

Correct a fee source

Oct 15, 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.