WSB Municipal Bank

Headquarters: Watertown, New York
Charter: Bank
Assets: $152.3M
Fed district: New York

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

Source: its fee schedule, read Nov 4, 2026.

Explore Hamilton View published fees

Fees against the market

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

NSF / Returned Item
WSB Municipal Bank: $30
WSB Municipal Bank: $30
U.S. median: no median
Non-Network ATM
Compared at $0.75, the middle of its prices
WSB Municipal Bank: $0.50 to $1
WSB Municipal Bank: $0.50 to $1
U.S. median: no median
Wire Transfer (Domestic Out)
Compared at $35, the middle of its prices
WSB Municipal Bank: $25 to $45
WSB Municipal Bank: $25 to $45
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 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 WSB Municipal Bank’s own schedules, with a source for each figure.

Account Maintenance

Account Closing Fee - For accounts opened less than 180 days$10
Inactivity Fee - Monthly fee assessed to Checking Accounts after one year of inactivity$5
per month
Returned Mail Fee If no change of address provided$5

Overdraft & NSF

NSF / Returned Item$30

ATM & Card

ATM Funds Transfer Fees processed at any non-proprietary ATM not owned by WSB$0.50
per transaction
ATM Withdrawal Fees processed at any non-proprietary ATM not owned by WSB$1
per transaction
Replacement ATM/Debit Card Money Orders Issued to active account customers only$7

Wire Transfers

Cutoff time for outgoing wires is 11:00 a.m.$45
Wire Transfer (outgoing domestic) Account Customers Only. Cutoff time for outgoing wires is 3:30 p.m.$25
Wire Transfer (incoming)$20
Wire Transfer (outgoing international) Account Customers Only. Cutoff time for outgoing wires is 11:00 a.m.$45

Check Services

Cashier's Check - Issued to active account customers only$5
Money Orders - Money Orders issued to active account customers only$1.50
per item
Stop Payment Order$20
Counter Checks$2
Not compared: Charged per page; comparison unavailable
per page
Check Cashing Fee - For non-customer$5
per item
Canadian Check Processing Fee Customers only$25
per item
Check Image CD$15
Not compared: CD/IRA fee

Digital & Electronic

ACH Origination (per batch)$2.50
ACH Origination (per item)$0.18
per item
ACH Origination Security Administration (annually)$250
Not compared: Annual charge, not per item
per year
ACH Origination Tokens (First four tokens are free)$20
ACH Origination - Item Returned Unpaid$10
Digital Banking Bill Payment Inactivity Fee Monthly fee if unused for twelve consecutive months$5
per month

Cash & Deposit

Deposit Item Returned Unpaid$10

Account Services

Legal Processing Fee$100

Gift & Prepaid Cards

VISA Gift Cards$5

Other Fees

Account Research - Reproduction of checks, statements and duplicate copies of documents requested$10
Not compared: Charged per hour; comparison unavailable
per hour

Fee	Amount	Basis	Note
Account Maintenance
Account Closing Fee - For accounts opened less than 180 days	$10	Not stated	None
Inactivity Fee - Monthly fee assessed to Checking Accounts after one year of inactivity	$5	per month	None
Returned Mail Fee If no change of address provided	$5	Not stated	None
Overdraft & NSF
NSF / Returned Item	$30	Not stated	None
ATM & Card
ATM Funds Transfer Fees processed at any non-proprietary ATM not owned by WSB	$0.50	per transaction	None
ATM Withdrawal Fees processed at any non-proprietary ATM not owned by WSB	$1	per transaction	None
Replacement ATM/Debit Card Money Orders Issued to active account customers only	$7	Not stated	None
Wire Transfers
Cutoff time for outgoing wires is 11:00 a.m.	$45	Not stated	None
Wire Transfer (outgoing domestic) Account Customers Only. Cutoff time for outgoing wires is 3:30 p.m.	$25	Not stated	None
Wire Transfer (incoming)	$20	Not stated	None
Wire Transfer (outgoing international) Account Customers Only. Cutoff time for outgoing wires is 11:00 a.m.	$45	Not stated	None
Check Services
Cashier's Check - Issued to active account customers only	$5	Not stated	None
Money Orders - Money Orders issued to active account customers only	$1.50	per item	None
Stop Payment Order	$20	Not stated	None
Counter Checks	$2Not compared: Charged per page; comparison unavailable	per page	None
Check Cashing Fee - For non-customer	$5	per item	None
Canadian Check Processing Fee Customers only	$25	per item	None
Check Image CD	$15Not compared: CD/IRA fee	Not stated	None
Digital & Electronic
ACH Origination (per batch)	$2.50	Not stated	None
ACH Origination (per item)	$0.18	per item	None
ACH Origination Security Administration (annually)	$250Not compared: Annual charge, not per item	per year	None
ACH Origination Tokens (First four tokens are free)	$20	Not stated	None
ACH Origination - Item Returned Unpaid	$10	Not stated	None
Digital Banking Bill Payment Inactivity Fee Monthly fee if unused for twelve consecutive months	$5	per month	None
Cash & Deposit
Deposit Item Returned Unpaid	$10	Not stated	None
Account Services
Legal Processing Fee	$100	Not stated	None
Gift & Prepaid Cards
VISA Gift Cards	$5	Not stated	None
Other Fees
Account Research - Reproduction of checks, statements and duplicate copies of documents requested	$10Not compared: Charged per hour; comparison unavailable	per hour	None

Correct a fee source

Nov 4, 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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