Pathfinder Bank

Headquarters: Oswego, New York
Charter: Bank
Assets: $1.5B
Fed district: New York

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

Source: its fee schedule, read Oct 10, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $10, the middle of its prices
Pathfinder Bank: $1 to $20
Pathfinder Bank: $1 to $20
U.S. median: no median
Overdraft (OD)
Pathfinder Bank: $17
Pathfinder Bank: $17
U.S. median: no median
NSF / Returned Item
Pathfinder Bank: $17
Pathfinder Bank: $17
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 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 Pathfinder Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Fee$20
per month
Monthly Service Fee$1
per month
Monthly Service Fee$15
per month
Monthly Service Fee$5
per month
Monthly Service Fee$10
per month
Early Closeout Fee$25
Account Research/Reconciliation$40
Not compared: Charged per hour; comparison unavailable
per hour
Paper checking account statement service fee$2

Overdraft & NSF

Fee per overdraft item$17
per item
Nonsufficient Funds$17
per transaction
Returned ACH Items$17
per item
Discretionary Extended Overdraft (EOD, NSF, or UNF Fee)$17
per transaction

ATM & Card

Bank ATM$2
per item
Deposits/Withdrawals at an ATM we do not own or operate$2
per transaction
Reject/Denial at an ATM we do not own or operate$0.55
per transaction
Card Replacement Fee$10
per item
International ATM/POS Currency Conversion Fee (audience not stated, treated as personal)2%
per transaction

Wire Transfers

Outgoing Domestic Wire Transfer$25
per item
Incoming Wire Transfer$20
per item
Outgoing International Wire Transfer$50
per item

Check Services

Bank Checks$7
Certified Check$25
per item
Money Orders$3
per item
Stop Payment on ACH$35
per item
Stop Payment on Check$35
per item
Check Images$5
Not compared: Monthly charge, not per item
per month

Cash & Deposit

Cash Advance Fee$3
per item
Return of Deposited Item$10
per item

Retirement & IRA

IRA Administration Fee$10
per year

Other Fees

Copy of Account Statements and other bank items$5
Copy of Debit Card Merchant Receipt$25
per item
Returned Loan Payment$20

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee	$20	per month	None
Monthly Service Fee	$1	per month	None
Monthly Service Fee	$15	per month	None
Monthly Service Fee	$5	per month	None
Monthly Service Fee	$10	per month	None
Early Closeout Fee	$25	Not stated	None
Account Research/Reconciliation	$40Not compared: Charged per hour; comparison unavailable	per hour	None
Paper checking account statement service fee	$2	Not stated	None
Overdraft & NSF
Fee per overdraft item	$17	per item	None
Nonsufficient Funds	$17	per transaction	None
Returned ACH Items	$17	per item	None
Discretionary Extended Overdraft (EOD, NSF, or UNF Fee)	$17	per transaction	None
ATM & Card
Bank ATM	$2	per item	None
Deposits/Withdrawals at an ATM we do not own or operate	$2	per transaction	None
Reject/Denial at an ATM we do not own or operate	$0.55	per transaction	None
Card Replacement Fee	$10	per item	None
International ATM/POS Currency Conversion Fee (audience not stated, treated as personal)	2%	per transaction	None
Wire Transfers
Outgoing Domestic Wire Transfer	$25	per item	None
Incoming Wire Transfer	$20	per item	None
Outgoing International Wire Transfer	$50	per item	None
Check Services
Bank Checks	$7	Not stated	None
Certified Check	$25	per item	None
Money Orders	$3	per item	None
Stop Payment on ACH	$35	per item	None
Stop Payment on Check	$35	per item	None
Check Images	$5Not compared: Monthly charge, not per item	per month	None
Cash & Deposit
Cash Advance Fee	$3	per item	None
Return of Deposited Item	$10	per item	None
Retirement & IRA
IRA Administration Fee	$10	per year	None
Other Fees
Copy of Account Statements and other bank items	$5	Not stated	None
Copy of Debit Card Merchant Receipt	$25	per item	None
Returned Loan Payment	$20	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 10, 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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