Orrstown Bank

Headquarters: Harrisburg, Pennsylvania
Charter: Bank
Assets: $5.6B
Fed district: Philadelphia

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

Source: its fee schedule, read Oct 19, 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
Growth Checking $5 · Account Requirements $10 to $15
Compared at $11, the middle of its prices
Orrstown Bank: $5 to $15
Orrstown Bank: $5 to $15
U.S. median: no median
Overdraft (OD)
Orrstown Bank: $38
Orrstown Bank: $38
U.S. median: no median
NSF / Returned Item
Orrstown Bank: No fee
Orrstown Bank: No fee
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 19, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia 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).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia 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

Orrstown Bank · $5.6B 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
$5B to $6.2B 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
Orrstown Bank(this institution)	Harrisburg, PA	$5.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alerus Financial, National Association	Grand Forks, ND	$5.3B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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
Broadway National Bank	San Antonio, TX	$5.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
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
Community Bank of Mississippi	Flowood, MS	$5.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community West Bank	Fresno, CA	$5B	Monthly maintenance not published	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 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 Internet Bank of Indiana	Fishers, IN	$5.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
First National Bank Alaska	Anchorage, AK	$5.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
Great Southern Bank	Reeds Spring, MO	$5.5B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Independent Bank	Grand Rapids, MI	$5.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Institution for Savings in Newburyport and Its Vicinity	Newburyport, MA	$5.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Middlesex Savings Bank	Natick, MA	$6.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Morton Community Bank	Morton, IL	$5.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northeast Bank	Portland, ME	$5.2B	Monthly maintenance not published	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
Southern Bank	Poplar Bluff, MO	$5.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Southern Bank and Trust Company	Mount Olive, NC	$5.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
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 · 15 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $1 (10%) above the median of similar-sized banks.

Compared at $11, the middle of its four prices, against a peer median of $10 among 15 publishing peers.

Its four checking prices are $5, $10, $12 and $15.

$11 is a comparison price, not a fee anyone is charged.

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

Orrstown Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

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 Orrstown Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance Fee$12
per month
Monthly Maintenance Fee$15
per month · Account: Account Requirements · Waived when Relationship Checking Account requirements are met)4
Monthly Maintenance Fee$10
per month · Account: Account Requirements
Monthly Maintenance Fee$5
per month
Premature Account Closure (Within one year of account opening date)$25
Dormant Account Fee (after account is inactive for 24 months)$12
per month
Account Reconciliation/Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Monthly paper statement fee$2
per month
Paper Statement Fee$2
Undeliverable Mail$5

Overdraft & NSF

Paid Overdraft Item - Consumer Accounts$38
per item
Returned Item (Non-Sufficient Funds)No charge
per item
Overdraft Protection Sweep Fee$10
Not compared: Monthly charge, not per item
per month
Overdraft Protection Transfer (From an Orrstown Bank Deposit/Loan Account)$10
per item
Paid Overdraft Item - Consumer Accounts daily maximum$190
per day

ATM & Card

Balance Inquiry/Transfers/Withdrawal Transactions at non-Orrstown Bank ATMs$3
per item
Replacement debit card$5
per item

Wire Transfers

Wire Transfer - Outgoing Domestic$30
Wire Transfer - Incoming Domestic$20
Wire Transfer - Outgoing International$50
Wire Transfer - Incoming International$30

Check Services

Cashier's Check$10
per item
Stop Payment Fee - Business and Personal Accounts$39
per item
Temporary ChecksNo charge
per item · 1 sheet of 4 checks
Cashing Non-Client Checks$5
per item · Per check for non-Orrstown Bank clients cashing an Orrstown Bank check. Orrstown Bank does not cash checks not drawn on us, including Federal Government checks, for non-Bank clients
Foreign Check Collection$15

Digital & Electronic

Bill PaymentNo charge
Not compared: Per-occurrence charge, not monthly
per item
Mobile DepositNo charge
per item

Cash & Deposit

Chargeback/Returned Deposited Item$10
per item
Night Depository - Lost Key$10
per item

Account Services

10.5" x 10" Safe Deposit Box$115
10" x 15" Safe Deposit Box$150
17" x 12" Safe Deposit Box$160
2.5" x 5" Safe Deposit Box$25
2" x 10" Safe Deposit Box$50
3" x 10" Safe Deposit Box$55
4" x 10" Safe Deposit Box$65
4" x 4" Safe Deposit Box$30
5" x 10" Safe Deposit Box$75
5" x 5" Safe Deposit Box$45
7" x 10" Safe Deposit Box$95
Safe Deposit Box Drilling$100
Not compared: Box drilling or key fee
Safe Deposit Box Key Replacement$35
Not compared: Box drilling or key fee
Garnishment$150
Tax Levy$150
per item
Writ of Execution$150
per item · Per occurrence

Retirement & IRA

IRA Transfer to another Financial Institution$25

Other Fees

Photocopy/Fax$1
Not compared: Charged per page; comparison unavailable
per page
Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Fee	$12	per month	None
Monthly Maintenance Fee	$15	per month	Account: Account Requirements · Waived when Relationship Checking Account requirements are met)4
Monthly Maintenance Fee	$10	per month	Account: Account Requirements
Monthly Maintenance Fee	$5	per month	None
Premature Account Closure (Within one year of account opening date)	$25	Not stated	None
Dormant Account Fee (after account is inactive for 24 months)	$12	per month	None
Account Reconciliation/Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Monthly paper statement fee	$2	per month	None
Paper Statement Fee	$2	Not stated	None
Undeliverable Mail	$5	Not stated	None
Overdraft & NSF
Paid Overdraft Item - Consumer Accounts	$38	per item	None
Returned Item (Non-Sufficient Funds)	No charge	per item	None
Overdraft Protection Sweep Fee	$10Not compared: Monthly charge, not per item	per month	None
Overdraft Protection Transfer (From an Orrstown Bank Deposit/Loan Account)	$10	per item	None
Paid Overdraft Item - Consumer Accounts daily maximum	$190	per day	None
ATM & Card
Balance Inquiry/Transfers/Withdrawal Transactions at non-Orrstown Bank ATMs	$3	per item	None
Replacement debit card	$5	per item	None
Wire Transfers
Wire Transfer - Outgoing Domestic	$30	Not stated	None
Wire Transfer - Incoming Domestic	$20	Not stated	None
Wire Transfer - Outgoing International	$50	Not stated	None
Wire Transfer - Incoming International	$30	Not stated	None
Check Services
Cashier's Check	$10	per item	None
Stop Payment Fee - Business and Personal Accounts	$39	per item	None
Temporary Checks	No charge	per item	1 sheet of 4 checks
Cashing Non-Client Checks	$5	per item	Per check for non-Orrstown Bank clients cashing an Orrstown Bank check. Orrstown Bank does not cash checks not drawn on us, including Federal Government checks, for non-Bank clients
Foreign Check Collection	$15	Not stated	None
Digital & Electronic
Bill Payment	No chargeNot compared: Per-occurrence charge, not monthly	per item	None
Mobile Deposit	No charge	per item	None
Cash & Deposit
Chargeback/Returned Deposited Item	$10	per item	None
Night Depository - Lost Key	$10	per item	None
Account Services
10.5" x 10" Safe Deposit Box	$115	Not stated	None
10" x 15" Safe Deposit Box	$150	Not stated	None
17" x 12" Safe Deposit Box	$160	Not stated	None
2.5" x 5" Safe Deposit Box	$25	Not stated	None
2" x 10" Safe Deposit Box	$50	Not stated	None
3" x 10" Safe Deposit Box	$55	Not stated	None
4" x 10" Safe Deposit Box	$65	Not stated	None
4" x 4" Safe Deposit Box	$30	Not stated	None
5" x 10" Safe Deposit Box	$75	Not stated	None
5" x 5" Safe Deposit Box	$45	Not stated	None
7" x 10" Safe Deposit Box	$95	Not stated	None
Safe Deposit Box Drilling	$100Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Key Replacement	$35Not compared: Box drilling or key fee	Not stated	None
Garnishment	$150	Not stated	None
Tax Levy	$150	per item	None
Writ of Execution	$150	per item	Per occurrence
Retirement & IRA
IRA Transfer to another Financial Institution	$25	Not stated	None
Other Fees
Photocopy/Fax	$1Not compared: Charged per page; comparison unavailable	per page	None
Statement Copy	$5	Not stated	None

Account Maintenance

Premature Account Closure (Within one year of account opening date)$25
Dormant Account Fee (after account is inactive for 24 months)$12
per month
Account Reconciliation/Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$2
Undeliverable Mail$5

Overdraft & NSF

Paid Overdraft Item - Business Account$38
per item
Returned Item (Non-Sufficient Funds)No charge
per item
Continuous Overdraft Fee - Business Accounts Only$6
per day
Overdraft Protection Transfer (From an Orrstown Bank Deposit/Loan Account)$10
per item

ATM & Card

Balance Inquiry/Transfers/Withdrawal Transactions at non-Orrstown Bank ATMs$3
per item
Replacement debit card$5
per item

Wire Transfers

Wire Transfer - Outgoing Domestic$30
Wire Transfer - Incoming Domestic$20
Wire Transfer - Outgoing International$50
Wire Transfer - Incoming International$30

Check Services

Cashier's Check$10
per item
Temporary ChecksNo charge
per item · 1 sheet of 4 checks
Cashing Non-Client Checks$5
per item · Per check for non-Orrstown Bank clients cashing an Orrstown Bank check. Orrstown Bank does not cash checks not drawn on us, including Federal Government checks, for non-Bank clients
Foreign Check Collection$15

Digital & Electronic

Bill PaymentNo charge
Not compared: Per-occurrence charge, not monthly
per item
Mobile DepositNo charge
per item

Cash & Deposit

Chargeback/Returned Deposited Item$10
per item
Night Depository - Lost Key$10
per item

Account Services

10.5" x 10" Safe Deposit Box$115
10" x 15" Safe Deposit Box$150
17" x 12" Safe Deposit Box$160
2.5" x 5" Safe Deposit Box$25
2" x 10" Safe Deposit Box$50
3" x 10" Safe Deposit Box$55
4" x 10" Safe Deposit Box$65
4" x 4" Safe Deposit Box$30
5" x 10" Safe Deposit Box$75
5" x 5" Safe Deposit Box$45
7" x 10" Safe Deposit Box$95
Safe Deposit Box Drilling$100
Not compared: Box drilling or key fee
Safe Deposit Box Key Replacement$35
Not compared: Box drilling or key fee
Garnishment$150
Tax Levy$150
per item
Writ of Execution$150
per item · Per occurrence

Retirement & IRA

IRA Transfer to another Financial Institution$25

Other Fees

Photocopy/Fax$1
Not compared: Charged per page; comparison unavailable
per page
Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Premature Account Closure (Within one year of account opening date)	$25	Not stated	None
Dormant Account Fee (after account is inactive for 24 months)	$12	per month	None
Account Reconciliation/Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$2	Not stated	None
Undeliverable Mail	$5	Not stated	None
Overdraft & NSF
Paid Overdraft Item - Business Account	$38	per item	None
Returned Item (Non-Sufficient Funds)	No charge	per item	None
Continuous Overdraft Fee - Business Accounts Only	$6	per day	None
Overdraft Protection Transfer (From an Orrstown Bank Deposit/Loan Account)	$10	per item	None
ATM & Card
Balance Inquiry/Transfers/Withdrawal Transactions at non-Orrstown Bank ATMs	$3	per item	None
Replacement debit card	$5	per item	None
Wire Transfers
Wire Transfer - Outgoing Domestic	$30	Not stated	None
Wire Transfer - Incoming Domestic	$20	Not stated	None
Wire Transfer - Outgoing International	$50	Not stated	None
Wire Transfer - Incoming International	$30	Not stated	None
Check Services
Cashier's Check	$10	per item	None
Temporary Checks	No charge	per item	1 sheet of 4 checks
Cashing Non-Client Checks	$5	per item	Per check for non-Orrstown Bank clients cashing an Orrstown Bank check. Orrstown Bank does not cash checks not drawn on us, including Federal Government checks, for non-Bank clients
Foreign Check Collection	$15	Not stated	None
Digital & Electronic
Bill Payment	No chargeNot compared: Per-occurrence charge, not monthly	per item	None
Mobile Deposit	No charge	per item	None
Cash & Deposit
Chargeback/Returned Deposited Item	$10	per item	None
Night Depository - Lost Key	$10	per item	None
Account Services
10.5" x 10" Safe Deposit Box	$115	Not stated	None
10" x 15" Safe Deposit Box	$150	Not stated	None
17" x 12" Safe Deposit Box	$160	Not stated	None
2.5" x 5" Safe Deposit Box	$25	Not stated	None
2" x 10" Safe Deposit Box	$50	Not stated	None
3" x 10" Safe Deposit Box	$55	Not stated	None
4" x 10" Safe Deposit Box	$65	Not stated	None
4" x 4" Safe Deposit Box	$30	Not stated	None
5" x 10" Safe Deposit Box	$75	Not stated	None
5" x 5" Safe Deposit Box	$45	Not stated	None
7" x 10" Safe Deposit Box	$95	Not stated	None
Safe Deposit Box Drilling	$100Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Key Replacement	$35Not compared: Box drilling or key fee	Not stated	None
Garnishment	$150	Not stated	None
Tax Levy	$150	per item	None
Writ of Execution	$150	per item	Per occurrence
Retirement & IRA
IRA Transfer to another Financial Institution	$25	Not stated	None
Other Fees
Photocopy/Fax	$1Not compared: Charged per page; comparison unavailable	per page	None
Statement Copy	$5	Not stated	None

Correct a fee source

Oct 19, 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 Orrstown 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.

Monthly Maintenance
Growth Checking $5 · Account Requirements $10 to $15
Compared at $11, the middle of its prices
Orrstown Bank: $5 to $15
Orrstown Bank: $5 to $15
U.S. median: no median
Overdraft (OD)
Orrstown Bank: $38
Orrstown Bank: $38
U.S. median: no median
NSF / Returned Item
Orrstown Bank: No fee
Orrstown Bank: No fee
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 19, 2026View sources

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).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia 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

Orrstown Bank · $5.6B 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
$5B to $6.2B 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
Orrstown Bank(this institution)	Harrisburg, PA	$5.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alerus Financial, National Association	Grand Forks, ND	$5.3B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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
Broadway National Bank	San Antonio, TX	$5.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
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
Community Bank of Mississippi	Flowood, MS	$5.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community West Bank	Fresno, CA	$5B	Monthly maintenance not published	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 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 Internet Bank of Indiana	Fishers, IN	$5.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
First National Bank Alaska	Anchorage, AK	$5.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
Great Southern Bank	Reeds Spring, MO	$5.5B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Independent Bank	Grand Rapids, MI	$5.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Institution for Savings in Newburyport and Its Vicinity	Newburyport, MA	$5.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Middlesex Savings Bank	Natick, MA	$6.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Morton Community Bank	Morton, IL	$5.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northeast Bank	Portland, ME	$5.2B	Monthly maintenance not published	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
Southern Bank	Poplar Bluff, MO	$5.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Southern Bank and Trust Company	Mount Olive, NC	$5.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
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 · 15 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $1 (10%) above the median of similar-sized banks.

Compared at $11, the middle of its four prices, against a peer median of $10 among 15 publishing peers.

Its four checking prices are $5, $10, $12 and $15.

$11 is a comparison price, not a fee anyone is charged.

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

Orrstown Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

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 Orrstown Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance Fee$12
per month
Monthly Maintenance Fee$15
per month · Account: Account Requirements · Waived when Relationship Checking Account requirements are met)4
Monthly Maintenance Fee$10
per month · Account: Account Requirements
Monthly Maintenance Fee$5
per month
Premature Account Closure (Within one year of account opening date)$25
Dormant Account Fee (after account is inactive for 24 months)$12
per month
Account Reconciliation/Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Monthly paper statement fee$2
per month
Paper Statement Fee$2
Undeliverable Mail$5

Overdraft & NSF

Paid Overdraft Item - Consumer Accounts$38
per item
Returned Item (Non-Sufficient Funds)No charge
per item
Overdraft Protection Sweep Fee$10
Not compared: Monthly charge, not per item
per month
Overdraft Protection Transfer (From an Orrstown Bank Deposit/Loan Account)$10
per item
Paid Overdraft Item - Consumer Accounts daily maximum$190
per day

ATM & Card

Balance Inquiry/Transfers/Withdrawal Transactions at non-Orrstown Bank ATMs$3
per item
Replacement debit card$5
per item

Wire Transfers

Wire Transfer - Outgoing Domestic$30
Wire Transfer - Incoming Domestic$20
Wire Transfer - Outgoing International$50
Wire Transfer - Incoming International$30

Check Services

Cashier's Check$10
per item
Stop Payment Fee - Business and Personal Accounts$39
per item
Temporary ChecksNo charge
per item · 1 sheet of 4 checks
Cashing Non-Client Checks$5
per item · Per check for non-Orrstown Bank clients cashing an Orrstown Bank check. Orrstown Bank does not cash checks not drawn on us, including Federal Government checks, for non-Bank clients
Foreign Check Collection$15

Digital & Electronic

Bill PaymentNo charge
Not compared: Per-occurrence charge, not monthly
per item
Mobile DepositNo charge
per item

Cash & Deposit

Chargeback/Returned Deposited Item$10
per item
Night Depository - Lost Key$10
per item

Account Services

10.5" x 10" Safe Deposit Box$115
10" x 15" Safe Deposit Box$150
17" x 12" Safe Deposit Box$160
2.5" x 5" Safe Deposit Box$25
2" x 10" Safe Deposit Box$50
3" x 10" Safe Deposit Box$55
4" x 10" Safe Deposit Box$65
4" x 4" Safe Deposit Box$30
5" x 10" Safe Deposit Box$75
5" x 5" Safe Deposit Box$45
7" x 10" Safe Deposit Box$95
Safe Deposit Box Drilling$100
Not compared: Box drilling or key fee
Safe Deposit Box Key Replacement$35
Not compared: Box drilling or key fee
Garnishment$150
Tax Levy$150
per item
Writ of Execution$150
per item · Per occurrence

Retirement & IRA

IRA Transfer to another Financial Institution$25

Other Fees

Photocopy/Fax$1
Not compared: Charged per page; comparison unavailable
per page
Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Fee	$12	per month	None
Monthly Maintenance Fee	$15	per month	Account: Account Requirements · Waived when Relationship Checking Account requirements are met)4
Monthly Maintenance Fee	$10	per month	Account: Account Requirements
Monthly Maintenance Fee	$5	per month	None
Premature Account Closure (Within one year of account opening date)	$25	Not stated	None
Dormant Account Fee (after account is inactive for 24 months)	$12	per month	None
Account Reconciliation/Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Monthly paper statement fee	$2	per month	None
Paper Statement Fee	$2	Not stated	None
Undeliverable Mail	$5	Not stated	None
Overdraft & NSF
Paid Overdraft Item - Consumer Accounts	$38	per item	None
Returned Item (Non-Sufficient Funds)	No charge	per item	None
Overdraft Protection Sweep Fee	$10Not compared: Monthly charge, not per item	per month	None
Overdraft Protection Transfer (From an Orrstown Bank Deposit/Loan Account)	$10	per item	None
Paid Overdraft Item - Consumer Accounts daily maximum	$190	per day	None
ATM & Card
Balance Inquiry/Transfers/Withdrawal Transactions at non-Orrstown Bank ATMs	$3	per item	None
Replacement debit card	$5	per item	None
Wire Transfers
Wire Transfer - Outgoing Domestic	$30	Not stated	None
Wire Transfer - Incoming Domestic	$20	Not stated	None
Wire Transfer - Outgoing International	$50	Not stated	None
Wire Transfer - Incoming International	$30	Not stated	None
Check Services
Cashier's Check	$10	per item	None
Stop Payment Fee - Business and Personal Accounts	$39	per item	None
Temporary Checks	No charge	per item	1 sheet of 4 checks
Cashing Non-Client Checks	$5	per item	Per check for non-Orrstown Bank clients cashing an Orrstown Bank check. Orrstown Bank does not cash checks not drawn on us, including Federal Government checks, for non-Bank clients
Foreign Check Collection	$15	Not stated	None
Digital & Electronic
Bill Payment	No chargeNot compared: Per-occurrence charge, not monthly	per item	None
Mobile Deposit	No charge	per item	None
Cash & Deposit
Chargeback/Returned Deposited Item	$10	per item	None
Night Depository - Lost Key	$10	per item	None
Account Services
10.5" x 10" Safe Deposit Box	$115	Not stated	None
10" x 15" Safe Deposit Box	$150	Not stated	None
17" x 12" Safe Deposit Box	$160	Not stated	None
2.5" x 5" Safe Deposit Box	$25	Not stated	None
2" x 10" Safe Deposit Box	$50	Not stated	None
3" x 10" Safe Deposit Box	$55	Not stated	None
4" x 10" Safe Deposit Box	$65	Not stated	None
4" x 4" Safe Deposit Box	$30	Not stated	None
5" x 10" Safe Deposit Box	$75	Not stated	None
5" x 5" Safe Deposit Box	$45	Not stated	None
7" x 10" Safe Deposit Box	$95	Not stated	None
Safe Deposit Box Drilling	$100Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Key Replacement	$35Not compared: Box drilling or key fee	Not stated	None
Garnishment	$150	Not stated	None
Tax Levy	$150	per item	None
Writ of Execution	$150	per item	Per occurrence
Retirement & IRA
IRA Transfer to another Financial Institution	$25	Not stated	None
Other Fees
Photocopy/Fax	$1Not compared: Charged per page; comparison unavailable	per page	None
Statement Copy	$5	Not stated	None

Account Maintenance

Premature Account Closure (Within one year of account opening date)$25
Dormant Account Fee (after account is inactive for 24 months)$12
per month
Account Reconciliation/Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$2
Undeliverable Mail$5

Overdraft & NSF

Paid Overdraft Item - Business Account$38
per item
Returned Item (Non-Sufficient Funds)No charge
per item
Continuous Overdraft Fee - Business Accounts Only$6
per day
Overdraft Protection Transfer (From an Orrstown Bank Deposit/Loan Account)$10
per item

ATM & Card

Balance Inquiry/Transfers/Withdrawal Transactions at non-Orrstown Bank ATMs$3
per item
Replacement debit card$5
per item

Wire Transfers

Wire Transfer - Outgoing Domestic$30
Wire Transfer - Incoming Domestic$20
Wire Transfer - Outgoing International$50
Wire Transfer - Incoming International$30

Check Services

Cashier's Check$10
per item
Temporary ChecksNo charge
per item · 1 sheet of 4 checks
Cashing Non-Client Checks$5
per item · Per check for non-Orrstown Bank clients cashing an Orrstown Bank check. Orrstown Bank does not cash checks not drawn on us, including Federal Government checks, for non-Bank clients
Foreign Check Collection$15

Digital & Electronic

Bill PaymentNo charge
Not compared: Per-occurrence charge, not monthly
per item
Mobile DepositNo charge
per item

Cash & Deposit

Chargeback/Returned Deposited Item$10
per item
Night Depository - Lost Key$10
per item

Account Services

10.5" x 10" Safe Deposit Box$115
10" x 15" Safe Deposit Box$150
17" x 12" Safe Deposit Box$160
2.5" x 5" Safe Deposit Box$25
2" x 10" Safe Deposit Box$50
3" x 10" Safe Deposit Box$55
4" x 10" Safe Deposit Box$65
4" x 4" Safe Deposit Box$30
5" x 10" Safe Deposit Box$75
5" x 5" Safe Deposit Box$45
7" x 10" Safe Deposit Box$95
Safe Deposit Box Drilling$100
Not compared: Box drilling or key fee
Safe Deposit Box Key Replacement$35
Not compared: Box drilling or key fee
Garnishment$150
Tax Levy$150
per item
Writ of Execution$150
per item · Per occurrence

Retirement & IRA

IRA Transfer to another Financial Institution$25

Other Fees

Photocopy/Fax$1
Not compared: Charged per page; comparison unavailable
per page
Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Premature Account Closure (Within one year of account opening date)	$25	Not stated	None
Dormant Account Fee (after account is inactive for 24 months)	$12	per month	None
Account Reconciliation/Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$2	Not stated	None
Undeliverable Mail	$5	Not stated	None
Overdraft & NSF
Paid Overdraft Item - Business Account	$38	per item	None
Returned Item (Non-Sufficient Funds)	No charge	per item	None
Continuous Overdraft Fee - Business Accounts Only	$6	per day	None
Overdraft Protection Transfer (From an Orrstown Bank Deposit/Loan Account)	$10	per item	None
ATM & Card
Balance Inquiry/Transfers/Withdrawal Transactions at non-Orrstown Bank ATMs	$3	per item	None
Replacement debit card	$5	per item	None
Wire Transfers
Wire Transfer - Outgoing Domestic	$30	Not stated	None
Wire Transfer - Incoming Domestic	$20	Not stated	None
Wire Transfer - Outgoing International	$50	Not stated	None
Wire Transfer - Incoming International	$30	Not stated	None
Check Services
Cashier's Check	$10	per item	None
Temporary Checks	No charge	per item	1 sheet of 4 checks
Cashing Non-Client Checks	$5	per item	Per check for non-Orrstown Bank clients cashing an Orrstown Bank check. Orrstown Bank does not cash checks not drawn on us, including Federal Government checks, for non-Bank clients
Foreign Check Collection	$15	Not stated	None
Digital & Electronic
Bill Payment	No chargeNot compared: Per-occurrence charge, not monthly	per item	None
Mobile Deposit	No charge	per item	None
Cash & Deposit
Chargeback/Returned Deposited Item	$10	per item	None
Night Depository - Lost Key	$10	per item	None
Account Services
10.5" x 10" Safe Deposit Box	$115	Not stated	None
10" x 15" Safe Deposit Box	$150	Not stated	None
17" x 12" Safe Deposit Box	$160	Not stated	None
2.5" x 5" Safe Deposit Box	$25	Not stated	None
2" x 10" Safe Deposit Box	$50	Not stated	None
3" x 10" Safe Deposit Box	$55	Not stated	None
4" x 10" Safe Deposit Box	$65	Not stated	None
4" x 4" Safe Deposit Box	$30	Not stated	None
5" x 10" Safe Deposit Box	$75	Not stated	None
5" x 5" Safe Deposit Box	$45	Not stated	None
7" x 10" Safe Deposit Box	$95	Not stated	None
Safe Deposit Box Drilling	$100Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Key Replacement	$35Not compared: Box drilling or key fee	Not stated	None
Garnishment	$150	Not stated	None
Tax Levy	$150	per item	None
Writ of Execution	$150	per item	Per occurrence
Retirement & IRA
IRA Transfer to another Financial Institution	$25	Not stated	None
Other Fees
Photocopy/Fax	$1Not compared: Charged per page; comparison unavailable	per page	None
Statement Copy	$5	Not stated	None

Correct a fee source

Oct 19, 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.