vs. U.S. typical range:LowerTypicalHigher
$1 below the national medianAt the New York median
per month · Institution’s schedule
$4 below the national median$3 below the New York median
per month · Choice Checking account · Institution’s schedule
$4 below the national median$3 below the New York median
per month · Source
$7.50 below the national median$6.25 below the New York median
one time · If account closed within 180 days of opening · Institution’s schedule
At the national median$4.50 below the New York median
per month · After 12 months of inactivity · Institution’s schedule
$12.50 above the national median$12.50 above the New York median
$12.50 above the national median$12.50 above the New York median
$42.50 above the national median$42.50 above the New York median
per item · Institution’s schedule
$5 above the national median$5 above the New York median
$5 above the national median$5 above the New York median
per item · Institution’s schedule
$5 above the national median$5 above the New York median
per item · Institution’s schedule
$5 above the national median$9.25 above the New York median
$5 above the national median$9.25 above the New York median
per item · Institution’s schedule
$10 below the national median$5.75 below the New York median
$5 above the national median$5 above the New York median
$5 above the national median$5 above the New York median
per item · For lost, stolen, or damaged cards · Institution’s schedule
$5 above the national median$5 above the New York median
$5 above the national median$5 above the New York median
$15 above the national median$15 above the New York median
$5 above the national median$5 above the New York median
per item · Institution’s schedule
$1 below the national median$1 below the New York median
per item · Institution’s schedule
$2.50 below the national medianAt the New York median
$2.50 below the national medianAt the New York median
per item · Institution’s schedule
$2 above the national medianAt the New York median
$25 above the national median$30 above the New York median
per item · Institution’s schedule
$20 below the national median$30 below the New York median
$80 above the national median$70 above the New York median
$10 above the national median$15 below the New York median
$25 below the national median$75 below the New York median
per item · Institution’s schedule
$5 above the national medianAt the New York median
per year · Source
$5 below the national median$5 below the New York median
$2 above the national median$2 above the New York median
per month · Source
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| D/B/A monthly maintenance fee | $5Within the typical range ($4–$10 nationally) | $1 below the national medianAt the New York median | per month | — | Institution’s schedule |
| Monthly service & Maintenance fee | $2Below the typical range ($4–$10 nationally) | $4 below the national median$3 below the New York median | per month | Choice Checking account | Institution’s schedule |
| Monthly Service Fees Only | $2Below the typical range ($4–$10 nationally) | $4 below the national median$3 below the New York median | per month | — | Source |
| Early close out fee | $10Within the typical range ($10–$25 nationally) | $7.50 below the national median$6.25 below the New York median | one time | If account closed within 180 days of opening | Institution’s schedule |
| Dormant Account fee | $5Within the typical range ($5–$10 nationally) | At the national median$4.50 below the New York median | per month | After 12 months of inactivity | Institution’s schedule |
| Account reconciliation hourly fee | $30Above the typical range ($12–$25 nationally) | $12.50 above the national median$12.50 above the New York median | — | — | Source |
| Account research per hour | $30Above the typical range ($12–$25 nationally) | $12.50 above the national median$12.50 above the New York median | — | — | Source |
| Levies/Restraining notice processing fee | $60Above the typical range ($12–$25 nationally) | $42.50 above the national median$42.50 above the New York median | per item | — | Institution’s schedule |
Overdraft & NSFVerified | |||||
| Courtesy Pay | $35Above the typical range ($25–$33 nationally) | $5 above the national median$5 above the New York median | — | — | Source |
| Courtesy Pay fee | $35 | ||||
ATM & CardVerified | |||||
| Any replacement cards whether lost, stolen, or damaged will be charged a | $15Above the typical range ($5–$10 nationally) | $5 above the national median$5 above the New York median | — | — | Source |
| Debit Card Replacement fee | $15 | ||||
Wire TransfersVerified | |||||
| Wire transfer – outgoing | $30Above the typical range ($20–$25 nationally) | $5 above the national median$5 above the New York median | — | — | Source |
| Wire transfer – incoming | $25 | ||||
Check ServicesVerified | |||||
| Certified Check fee | $10Above the typical range ($3–$6 nationally) | $5 above the national median$5 above the New York median | per item | — | Institution’s schedule |
| Official/Cashier Check | $4 | ||||
Digital & ElectronicVerified | |||||
| Unauthorized ACH Fee | $35Above the typical range ($5–$20 nationally) | $25 above the national median$30 above the New York median | per item | — | Institution’s schedule |
Account ServicesVerified | |||||
| Lost Safe Deposit Box key | $25Below the typical range ($30–$70 nationally) | $20 below the national median$30 below the New York median | — | — | Source |
| Safe Deposit Box Drilling | $125 | ||||
Retirement & IRAVerified | |||||
| IRA Annual fee | $20Within the typical range ($10–$25 nationally) | $5 above the national medianAt the New York median | per year | — | Source |
| IRA Close-Out transfer fee | $20 | ||||
Other FeesVerified | |||||
| Statement copy fee (per month) | $5Within the typical range ($2–$5 nationally) | $2 above the national median$2 above the New York median | per month | — | Source |
Fee change alerts
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Headline fees vs. national median
Overdraft
$35
Headline fees published
8 of 15
Published fees
32
Under review
0
Assets
$28.7M
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Financial Context
Financials as of Q2 2026 · NCUA call report
Total assets
$28.7M
Total deposits
$24.6M
Service charge income (year to date)
$108K
Fee income ratio
13.6%
Return on assets
1.48%
Financial profile · Pro
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| $5 above the national median$5 above the New York median |
| per item |
| — |
| Institution’s schedule |
| Savings Overdraft fee | $35Above the typical range ($25–$33 nationally) | $5 above the national median$5 above the New York median | per item | — | Institution’s schedule |
| Debit NSF transaction fee | $35Above the typical range ($25–$32 nationally) | $5 above the national median$9.25 above the New York median | — | — | Source |
| Overdraft/NSF fee | $35Above the typical range ($25–$32 nationally) | $5 above the national median$9.25 above the New York median | per item | — | Institution’s schedule |
| Return item for Business accounts | $20Below the typical range ($25–$32 nationally) | $10 below the national median$5.75 below the New York median | — | — | Source |
| $5 above the national median$5 above the New York median |
| per item |
| For lost, stolen, or damaged cards |
| Institution’s schedule |
| Replacement Debit Card | $15Above the typical range ($5–$10 nationally) | $5 above the national median$5 above the New York median | — | — | Source |
| $15 above the national median$15 above the New York median |
| — |
| — |
| Source |
| $1 below the national median$1 below the New York median |
| per item |
| — |
| Institution’s schedule |
| ACH stop payments | $25Within the typical range ($20–$30 nationally) | $2.50 below the national medianAt the New York median | — | — | Source |
| Stop payment fee | $25Within the typical range ($20–$30 nationally) | $2.50 below the national medianAt the New York median | per item | — | Institution’s schedule |
| Copy of draft | $5Within the typical range ($2–$5 nationally) | $2 above the national medianAt the New York median | — | — | Source |
| $80 above the national median$70 above the New York median |
| — |
| — |
| Source |
| Levies/Restraining notice processing fee | $60Within the typical range ($30–$90 nationally) | $10 above the national median$15 below the New York median | — | — | Source |
| Protest fee | $25Below the typical range ($30–$100 nationally) | $25 below the national median$75 below the New York median | per item | — | Institution’s schedule |
| $5 below the national median$5 below the New York median |
| — |
| — |
| Source |