Union Bank

Headquarters: Morrisville, Vermont
Charter: Bank
Assets: $1.6B
Fed district: Boston
Regulator: FDIC
Holding company: Union Bankshares Inc.

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

Source: its fee schedule, read Nov 3, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 3, 2026

How these figures are measured

Call-report figures are for Union Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Union Bank's published fee schedule; Bank Fee Index medians	Current schedule	Nov 3, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Union Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $477K in Q2 2026, 2.1% above the same quarter a year earlier ($467K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

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

Monthly Maintenance
UB Checking
Union Bank: $2.50
Union Bank: $2.50
U.S. median: no median
Overdraft (OD)
Union Bank: $32
Union Bank: $32
U.S. median: no median
Non-Network ATM
Union Bank: $3
Union Bank: $3
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

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

Fee income beside fee prices

Service-charge income fell 1.0% from Q3 2025 to Q2 2026, to $477K.

Service-charge income, Q2 2026

$477K

$482KQ3 2025

$483KQ4 2025

$458KQ1 2026

$477KQ2 2026

Against the median

Union BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Union Bank · $1.6B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.

Banks only
$1.5B to $1.6B in assets
Headquartered in 20 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
Union Bank(this institution)	Morrisville, VT	$1.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
1st Summit Bank	Johnstown, PA	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Alma Bank	Astoria, NY	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
BankSouth	Greensboro, GA	$1.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
BOM Bank	Natchitoches, LA	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Chambers Bank	Danville, AR	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
CorTrust Bank National Association	Mitchell, SD	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dieterich Bank	Effingham, IL	$1.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Bank Richmond	Richmond, IN	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First National Bank of Pulaski	Pulaski, TN	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First State Bank	Mendota, IL	$1.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Grasshopper Bank, N.A.	New York, NY	$1.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Greenfield Savings Bank	Greenfield, MA	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
International Finance Bank	Miami, FL	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Landmark National Bank	Manhattan, KS	$1.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Main Street Bank Corp.	Wooster, OH	$1.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Newburyport Five Cents Savings Bank	Newburyport, MA	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northfield Savings Bank	Northfield, VT	$1.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pacific National Bank	Miami, FL	$1.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Peoples State Bank	Wausau, WI	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
PrimeSouth Bank	Blackshear, GA	$1.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Providence Bank	Rocky Mount, NC	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Citizens Bank of Philadelphia, Mississippi	Philadelphia, MS	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Moody National Bank	Galveston, TX	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Nodaway Valley Bank	Maryville, MO	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Transportation Alliance Bank, Inc. d/b/a TAB Bank	Ogden, UT	$1.6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 19 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $7.50 (75%) below the median of similar-sized banks.

Its published price is $2.50, against a peer median of $10 among 19 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026.

Monthly maintenance fee in dollars, one mark per institution

Union BankPeer (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 Oct 26, 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.

Financial performance

Call reports for Union Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $477K
vs prior quarter: +$19K+4.1%; from Q1 2026
vs a year earlier: +$10K+2.1%; from Q2 2025
vs start of range: −$6K−1.2%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Union Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$477K	+$19K	+4.1%
Q1 2026	$458K	−$25K	−5.2%
Q4 2025	$483K	+$1K	+0.2%
Q3 2025	$482K	+$15K	+3.2%
Q2 2025	$467K	+$37K	+8.6%
Q1 2025	$430K	−$20K	−4.4%
Q4 2024	$450K	−$33K	−6.8%
Q3 2024	$483K	+$10K	+2.1%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

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

Account Maintenance

Monthly Maintenance$2.50
per month
Account early closing (within 120 days of opening)$30
Inactivity fee (accounts with < $100 balance and no activity for one year or more)$3
per month
Account research ($10 minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Monthly Service Fee with paper statements$3.50
per month
Monthly Service Fee with paper statements$5
per month
Excess transaction fee (on savings and money market accounts exceeding 6 per statement cycle)$5
per item

Overdraft & NSF

Overdraft fee (per transaction)$32
per transaction
Overdraft Protection sweep (transfer)$5

ATM & Card

ATM cash withdrawal (non-Union Bank/non-Allpoint ATM)$3
ATM replacement card$15

Wire Transfers

Wire transfers: Outgoing domestic$30
Wire transfers: Incoming (non-customer)$25
Wire transfers: Outgoing foreign currency$50
Wire transfers: Outgoing international$60

Check Services

Treasurer’s check$6
Personal money order$5
Stop payment$30
Counter checks, single page of four$2

Digital & Electronic

Bill Pay- transactions in excess of 25 per month$0.50
Not compared: Per-item charge, not monthly
per item

Account Services

Notary service (non-customer)$5
Levy, garnishment & other legal process (min.)$125

Retirement & IRA

IRA transfer fee$25

Other Fees

Duplicate statements fee$3
Statement copy$5

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$2.50	per month	None
Account early closing (within 120 days of opening)	$30	Not stated	None
Inactivity fee (accounts with < $100 balance and no activity for one year or more)	$3	per month	None
Account research ($10 minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Monthly Service Fee with paper statements	$3.50	per month	None
Monthly Service Fee with paper statements	$5	per month	None
Excess transaction fee (on savings and money market accounts exceeding 6 per statement cycle)	$5	per item	None
Overdraft & NSF
Overdraft fee (per transaction)	$32	per transaction	None
Overdraft Protection sweep (transfer)	$5	Not stated	None
ATM & Card
ATM cash withdrawal (non-Union Bank/non-Allpoint ATM)	$3	Not stated	None
ATM replacement card	$15	Not stated	None
Wire Transfers
Wire transfers: Outgoing domestic	$30	Not stated	None
Wire transfers: Incoming (non-customer)	$25	Not stated	None
Wire transfers: Outgoing foreign currency	$50	Not stated	None
Wire transfers: Outgoing international	$60	Not stated	None
Check Services
Treasurer’s check	$6	Not stated	None
Personal money order	$5	Not stated	None
Stop payment	$30	Not stated	None
Counter checks, single page of four	$2	Not stated	None
Digital & Electronic
Bill Pay- transactions in excess of 25 per month	$0.50Not compared: Per-item charge, not monthly	per item	None
Account Services
Notary service (non-customer)	$5	Not stated	None
Levy, garnishment & other legal process (min.)	$125	Not stated	None
Retirement & IRA
IRA transfer fee	$25	Not stated	None
Other Fees
Duplicate statements fee	$3	Not stated	None
Statement copy	$5	Not stated	None

Correct a fee source

Nov 3, 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.

Branches and public record

Where Union Bank operates, and what regulators and customers have on file.

Market position

In Burlington-South Burlington, VT, Union Bank holds 2.1% of bank deposits, #9 of 15, with 5 offices.

Compare fees with the 19 Burlington-South Burlington, VT banks and credit unions in its home-metro peer set →

Offices in the metro

93 offices of 22 institutions shown.

Union BankOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Burlington-South Burlington, VT metro (FDIC metro code 15540), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 1 office has no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Manufacturers and Traders Trust Company28.8%
2TD Bank, National Association26.0%
3KeyBank National Association10.5%
4Community Bank, National Association8.7%
5Citizens Bank, National Association5.4%
6Northfield Savings Bank4.6%
7Peoples Trust Company of St. Albans4.2%
8Business Bank, The3.4%
9Union Bank2.1%

9 of 15 institutions shown. $8.2B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Burlington-South Burlington, VT metro (FDIC metro code 15540)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 2.1% share, 5 offices, #9 of 15

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Burlington-South Burlington, VT metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

23 offices of 7 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Enforcement actions

None on file with the Federal Reserve

The Federal Reserve has no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

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