Cayuga Lake National Bank

Headquarters: Union Springs, New York
Charter: Bank
Assets: $273.7M
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.

Overdraft (OD)
Cayuga Lake National Bank: $35
Cayuga Lake National Bank: $35
U.S. median: no median
NSF / Returned Item
Cayuga Lake National Bank: $35
Cayuga Lake National Bank: $35
U.S. median: no median
Wire Transfer (Domestic Out)
Cayuga Lake National Bank: $25
Cayuga Lake National Bank: $25
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 Cayuga Lake National Bank’s own schedules, with a source for each figure.

Account Maintenance

Fees To Maintain This Account Minimum balance fee$2
per month
Abandoned Property Fee$10
Dormant service charge (6 months)$10
Return Mail$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft Charge$35
per item
Return Item Charge$35
per item
Continuous OD Charge (after 2nd Day)$5
per day
OD Protection Transfer$10
per item

Wire Transfers

Wire Transfer/Outgoing$25
per item
Wire Transfer/Incoming$15
per item

Check Services

Cashiers Check$3
per item
Certified Checks$10
per item
Money Orders$2
per item
Stop Payment—Bank Item$30
per item
Stop Payment—Customer’s Item$30
per item
Counter Checks$0.25
per item

Cash & Deposit

Returned Deposit Items$15
per item

Account Services

Safe Deposit Box (4x5x21") (audience not stated, treated as personal)$21
per year · Size 4x5x21 inches
Safe Deposit Boxes$15
Legal Processing Fee$50

Other Fees

Research /Statement Copy$10
Not compared: Charged per hour; comparison unavailable
per hour

Fee	Amount	Basis	Note
Account Maintenance
Fees To Maintain This Account Minimum balance fee	$2	per month	None
Abandoned Property Fee	$10	Not stated	None
Dormant service charge (6 months)	$10	Not stated	None
Return Mail	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft Charge	$35	per item	None
Return Item Charge	$35	per item	None
Continuous OD Charge (after 2nd Day)	$5	per day	None
OD Protection Transfer	$10	per item	None
Wire Transfers
Wire Transfer/Outgoing	$25	per item	None
Wire Transfer/Incoming	$15	per item	None
Check Services
Cashiers Check	$3	per item	None
Certified Checks	$10	per item	None
Money Orders	$2	per item	None
Stop Payment—Bank Item	$30	per item	None
Stop Payment—Customer’s Item	$30	per item	None
Counter Checks	$0.25	per item	None
Cash & Deposit
Returned Deposit Items	$15	per item	None
Account Services
Safe Deposit Box (4x5x21") (audience not stated, treated as personal)	$21	per year	Size 4x5x21 inches
Safe Deposit Boxes	$15	Not stated	None
Legal Processing Fee	$50	Not stated	None
Other Fees
Research /Statement Copy	$10Not compared: Charged per hour; comparison unavailable	per hour	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

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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