MCS Bank

Headquarters: Milroy, Pennsylvania
Charter: Bank
Assets: $224.7M
Fed district: Philadelphia

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

Source: its fee schedule, read Oct 18, 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)
MCS Bank: $39
MCS Bank: $39
U.S. median: no median
NSF / Returned Item
Compared at $25.50, the middle of its prices
MCS Bank: $12 to $39
MCS Bank: $12 to $39
U.S. median: no median
Non-Network ATM
MCS Bank: $2
MCS Bank: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

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

Account Maintenance

Minimum Balance Fee$9
Closing account within 90 days$22
Dormant fee (per month after 2 years of inactivity)$12
per month
Escheat Fee (Per Account)$27
Reconciliation of account (per hour -1/2 hour minimum)$22
Not compared: Charged per hour; comparison unavailable
per hour
Excess Activity fee on Savings or MMA Account (Per Item, Over 6)$7
per item
Undeliverable Statement/Mail (per month)$7
per month

Overdraft & NSF

Paid Item NSF Fee$39
Consecutive Day NSF Fee$12
Returned Item NSF Fee$39
Overdraft transfer from savings (per day)$14
Not compared: Daily charge, not per item
per day

ATM & Card

Foreign ATM$2
Replace lost card$12

Wire Transfers

Outgoing Wire (domestic)$27
Incoming Wire$17
Outgoing Wire (international)$35

Check Services

Official Check (customers only)$8
Money Order$4
Stop Payment (per check/ACH or series of checks)$39
per item
Counter Check$0.35
Check cashing fee (account balance below $100)$12
Foreign Check Deposit Fee (per item presented)$22
per item
Copy of cancelled check$7

Cash & Deposit

Returned deposited item$17
Night deposit bag key replacement$15

Account Services

Late payment fee$7
Not compared: Box drilling or key fee
Safe Deposit Box 10x10$70
Safe Deposit Box 3x10$25
Safe Deposit Box 3x5$15
Safe Deposit Box 5x10$35
Safe Deposit Box 5x5$20
Tax Levy/Garnishment$50

Retirement & IRA

IRA Transfer Fee$30

Other Fees

Copy of statement$7

Fee	Amount	Basis	Note
Account Maintenance
Minimum Balance Fee	$9	Not stated	None
Closing account within 90 days	$22	Not stated	None
Dormant fee (per month after 2 years of inactivity)	$12	per month	None
Escheat Fee (Per Account)	$27	Not stated	None
Reconciliation of account (per hour -1/2 hour minimum)	$22Not compared: Charged per hour; comparison unavailable	per hour	None
Excess Activity fee on Savings or MMA Account (Per Item, Over 6)	$7	per item	None
Undeliverable Statement/Mail (per month)	$7	per month	None
Overdraft & NSF
Paid Item NSF Fee	$39	Not stated	None
Consecutive Day NSF Fee	$12	Not stated	None
Returned Item NSF Fee	$39	Not stated	None
Overdraft transfer from savings (per day)	$14Not compared: Daily charge, not per item	per day	None
ATM & Card
Foreign ATM	$2	Not stated	None
Replace lost card	$12	Not stated	None
Wire Transfers
Outgoing Wire (domestic)	$27	Not stated	None
Incoming Wire	$17	Not stated	None
Outgoing Wire (international)	$35	Not stated	None
Check Services
Official Check (customers only)	$8	Not stated	None
Money Order	$4	Not stated	None
Stop Payment (per check/ACH or series of checks)	$39	per item	None
Counter Check	$0.35	Not stated	None
Check cashing fee (account balance below $100)	$12	Not stated	None
Foreign Check Deposit Fee (per item presented)	$22	per item	None
Copy of cancelled check	$7	Not stated	None
Cash & Deposit
Returned deposited item	$17	Not stated	None
Night deposit bag key replacement	$15	Not stated	None
Account Services
Late payment fee	$7Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10x10	$70	Not stated	None
Safe Deposit Box 3x10	$25	Not stated	None
Safe Deposit Box 3x5	$15	Not stated	None
Safe Deposit Box 5x10	$35	Not stated	None
Safe Deposit Box 5x5	$20	Not stated	None
Tax Levy/Garnishment	$50	Not stated	None
Retirement & IRA
IRA Transfer Fee	$30	Not stated	None
Other Fees
Copy of statement	$7	Not stated	None

Correct a fee source

Oct 18, 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 MCS Bank's ach origination changes in our data

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