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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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 foreign transaction 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.

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.