Sawyer Savings Bank

Headquarters: Saugerties, New York
Charter: Bank
Assets: $284.7M
Fed district: New York

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

Source: its fee schedule, read Oct 17, 2026.

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Fees against the market

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

Monthly Maintenance
Can be waived with a minimum daily balance of $100 or more.
Sawyer Savings Bank: $2
Sawyer Savings Bank: $2
U.S. median: no median
Overdraft (OD)
Sawyer Savings Bank: $30
Sawyer Savings Bank: $30
U.S. median: no median
Non-Network ATM
Sawyer Savings Bank: $2
Sawyer Savings Bank: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 17, 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 Sawyer Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$2
per month
Account Closing (within first 90 days) (audience not stated, treated as personal)$25
Escheatment Fee$25
Balancing Checking Account (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Printed Paper Statement$2
Statements Returned for Wrong Address$10

Overdraft & NSF

Paid Overdraft Fee$30

ATM & Card

Foreign ATM Fee$2
Replace ATM/Debit Card$15

Check Services

Official Bank Checks$7
Money Orders$3
Paid Sawyer Item (Bank Check/Money Order)$5
per item
Stop Payment (per check, ACH, and On-Line Banking Items)$30
per item
Stop Payment (Range of Items)$35
Over-the-Counter Check (per item)$3
per item
Foreign Check Collection$35
Check Copies for Deposited Items (per page)$2
per item
Check Images Returned in Statement (charged monthly)$15
Not compared: Monthly charge, not per item
per month

Cash & Deposit

Cash Advance$10
Returned Deposited Item$20

Account Services

Notary Service (per item)$2
per item
Box Size 2”x5”x21½ ”$40
Box Size 4”x10”x21½“$95
Safe Deposit Box Lost Key$35
Not compared: Box drilling or key fee
Safe Deposit Boxes Drill$350
Not compared: Box drilling or key fee
Court Ordered Levies$150

Gift & Prepaid Cards

Gift Cards$3.50

Other Fees

Additional Copy of Statement (per month) (audience not stated, treated as personal)$7
Not compared: Monthly charge, not per item
per month
Fax (send/receive)$10

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$2	per month	None
Account Closing (within first 90 days) (audience not stated, treated as personal)	$25	Not stated	None
Escheatment Fee	$25	Not stated	None
Balancing Checking Account (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Printed Paper Statement	$2	Not stated	None
Statements Returned for Wrong Address	$10	Not stated	None
Overdraft & NSF
Paid Overdraft Fee	$30	Not stated	None
ATM & Card
Foreign ATM Fee	$2	Not stated	None
Replace ATM/Debit Card	$15	Not stated	None
Check Services
Official Bank Checks	$7	Not stated	None
Money Orders	$3	Not stated	None
Paid Sawyer Item (Bank Check/Money Order)	$5	per item	None
Stop Payment (per check, ACH, and On-Line Banking Items)	$30	per item	None
Stop Payment (Range of Items)	$35	Not stated	None
Over-the-Counter Check (per item)	$3	per item	None
Foreign Check Collection	$35	Not stated	None
Check Copies for Deposited Items (per page)	$2	per item	None
Check Images Returned in Statement (charged monthly)	$15Not compared: Monthly charge, not per item	per month	None
Cash & Deposit
Cash Advance	$10	Not stated	None
Returned Deposited Item	$20	Not stated	None
Account Services
Notary Service (per item)	$2	per item	None
Box Size 2”x5”x21½ ”	$40	Not stated	None
Box Size 4”x10”x21½“	$95	Not stated	None
Safe Deposit Box Lost Key	$35Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Boxes Drill	$350Not compared: Box drilling or key fee	Not stated	None
Court Ordered Levies	$150	Not stated	None
Gift & Prepaid Cards
Gift Cards	$3.50	Not stated	None
Other Fees
Additional Copy of Statement (per month) (audience not stated, treated as personal)	$7Not compared: Monthly charge, not per item	per month	None
Fax (send/receive)	$10	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 17, 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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