Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, $1B to $10B

Union Bank

Morrisville, VermontBankBoston Fed districtFees collected Oct 9, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

balance will be assessed a monthly service fee of either$2.50Below the typical range ($4–$10 nationally)

$3.50 below the national median$1.45 below the Vermont median

Account early closing (within 120 days of opening)$30

$12.50 above the national median

Source

Inactivity fee$3

$2 below the national median$2 below the Vermont median

per month · Source

Account research ($10 minimum)$25

$7.50 above the national median$10 above the Vermont median

Source

Excess transaction fee (on savings and money market accounts exceeding 6 per statement cycle)$5

$12.50 below the national median$10 below the Vermont median

per item · Source

Overdraft & NSFVerified

Overdraft fee (per transaction)$32Within the typical range ($25–$33 nationally)
$2 above the national median$5 above the Vermont median
per transaction · Source
Overdraft Protection sweep (transfer)$5Within the typical range ($2.50–$5 nationally)
At the national median$2 above the Vermont median
Source

ATM & CardVerified

ATM cash withdrawal (non-Union Bank/non-Allpoint ATM)$3Above the typical range ($1–$2.25 nationally)
$1.50 above the national median$2 above the Vermont median
Source
ATM replacement card$15Above the typical range ($5–$10 nationally)
$5 above the national median$5 above the Vermont median
Source

Wire TransfersVerified

Wire transfers: Outgoing domestic$30Above the typical range ($20–$25 nationally)
$5 above the national median$10 above the Vermont median
Source
Wire transfers: Incoming (non-customer)$25Above the typical range ($5–$15 nationally)
$15 above the national median$15 above the Vermont median
Source
Wire transfers: Outgoing international$60Above the typical range ($40–$50 nationally)
$10 above the national median$25 above the Vermont median
Source

Check ServicesVerified

Treasurer’s check$6Within the typical range ($3–$6 nationally)
$1 above the national median$1 above the Vermont median
Source
Personal money order$5Above the typical range ($1.50–$3 nationally)
$3 above the national median$0.50 above the Vermont median
Source
Stop payment$30Within the typical range ($20–$30 nationally)
$2.50 above the national median$10 above the Vermont median
Source
Counter checks, single page of four$2Within the typical range ($1–$4 nationally)
At the national medianAt the Vermont median
Source

Digital & ElectronicVerified

Bill Pay- transactions in excess of 25 per month$0.50Within the typical range ($0–$9.95 nationally)
$2 below the national median$2.25 below the Vermont median
per item · Source

Account ServicesVerified

Notary service (non-customer)$5Within the typical range ($0–$5 nationally)
$2.50 above the national medianAt the Vermont median
Source
Levy, garnishment & other legal process (min.)$125Above the typical range ($30–$87.50 nationally)
$75 above the national median$75 above the Vermont median
Source

Retirement & IRAVerified

IRA transfer fee$25Within the typical range ($25–$35 nationally)
At the national median
Source

Other FeesVerified

Duplicate statements fee$3Within the typical range ($2–$5 nationally)
At the national median$1 below the Vermont median
Source
Statement copy$5Within the typical range ($2–$5 nationally)
$2 above the national median$1 above the Vermont median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
balance will be assessed a monthly service fee of either	$2.50Below the typical range ($4–$10 nationally)	$3.50 below the national median$1.45 below the Vermont median	per month	—	Source
Account early closing (within 120 days of opening)	$30Above the typical range ($10–$25 nationally)	$12.50 above the national median	—	—	Source
Inactivity fee	$3Below the typical range ($5–$10 nationally)	$2 below the national median$2 below the Vermont median	per month	—	Source
Account research ($10 minimum)	$25Within the typical range ($12–$25 nationally)	$7.50 above the national median$10 above the Vermont median	—	—	Source
Excess transaction fee (on savings and money market accounts exceeding 6 per statement cycle)	$5Below the typical range ($12–$25 nationally)	$12.50 below the national median$10 below the Vermont median	per item	—	Source
Overdraft & NSFVerified
Overdraft fee (per transaction)	$32Within the typical range ($25–$33 nationally)	$2 above the national median$5 above the Vermont median	per transaction	—	Source
Overdraft Protection sweep (transfer)	$5
ATM & CardVerified
ATM cash withdrawal (non-Union Bank/non-Allpoint ATM)	$3Above the typical range ($1–$2.25 nationally)	$1.50 above the national median$2 above the Vermont median	—	—	Source
ATM replacement card	$15
Wire TransfersVerified
Wire transfers: Outgoing domestic	$30Above the typical range ($20–$25 nationally)	$5 above the national median$10 above the Vermont median	—	—	Source
Wire transfers: Incoming (non-customer)	$25
Check ServicesVerified
Treasurer’s check	$6Within the typical range ($3–$6 nationally)	$1 above the national median$1 above the Vermont median	—	—	Source
Personal money order	$5
Digital & ElectronicVerified
Bill Pay- transactions in excess of 25 per month	$0.50Within the typical range ($0–$9.95 nationally)	$2 below the national median$2.25 below the Vermont median	per item	—	Source
Account ServicesVerified
Notary service (non-customer)	$5Within the typical range ($0–$5 nationally)	$2.50 above the national medianAt the Vermont median	—	—	Source
Levy, garnishment & other legal process (min.)	$125
Retirement & IRAVerified
IRA transfer fee	$25Within the typical range ($25–$35 nationally)	At the national median	—	—	Source
Other FeesVerified
Duplicate statements fee	$3Within the typical range ($2–$5 nationally)	At the national median$1 below the Vermont median	—	—	Source
Statement copy	$5

Against Boston Fed district banks

Its state has too few comparable institutions, so these are its Fed district peers.

Overdraft
$32.00
Of 56 others that publish it, 29 lower, 4 the same and 23 higher.
Monthly maintenance
$2.50
Of 48 others that publish it, 8 lower, 1 the same and 39 higher.

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$32

Overdraft fee: $32

7% above the national median overdraft fee

22 verified fees collected

Headline fees published

10 of 15

Published fees

Under review

Assets

$1.6B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$1.6B

Total deposits

$1.1B

Service charge income

$477K

Fee income ratio

3.2%

Return on assets

0.80%

Branches

Service charge income by quarter

Q2 2026$477K

Q1 2026$458K

Q4 2025$483K

Q3 2025$482K

Financial profile · Pro

Performance from regulator filings

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