Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community bank, $1B to $10B

Ulster Savings Bank

Kingston, New YorkBankNew York Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Research/Reconciliation of Account (per hour)$30Above the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #3213. canonical_hint=account_research; text_hash=863c3b6036e188207b55187d09fbeffe84642e4516042aaa542d596ca8c727cb; excerpt="Research/Reconciliation of Account (per hour) | $30.00" · Source

Overdraft & NSFVerified

Continuous Overdraft Fee/Negative Balance Fee (daily beginning on the 6th calendar day)$5Within the typical range ($5–$25 nationally)
$1 below the national median
per day · Knox deterministic extraction from Rosetta artifact #3213. canonical_hint=continuous_od; text_hash=863c3b6036e188207b55187d09fbeffe84642e4516042aaa542d596ca8c727cb; excerpt="Continuous Overdraft Fee/Negative Balance Fee (daily beginning on the 6th calendar day) | $5.00" · Source

ATM & CardVerified

Withdrawals made using your Ulster Savings Bank Debit MasterCard or your Ulster Savings Bank ATM Card at non-Ulster Savi$1.50Within the typical range ($1–$3 nationally)
At the national median
per transaction · Knox deterministic extraction from Rosetta artifact #3213. canonical_hint=atm_non_network; text_hash=863c3b6036e188207b55187d09fbeffe84642e4516042aaa542d596ca8c727cb; excerpt="Withdrawals made using your Ulster Savings Bank Debit MasterCard or your Ulster Savings Bank ATM Card at non-Ulster Savings Bank ATM facilities will be processed at a fee of $1.50 " · Source

Check ServicesVerified

Stop Payment (all stop payments)$30Within the typical range ($20–$30 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #3213. canonical_hint=stop_payment; text_hash=863c3b6036e188207b55187d09fbeffe84642e4516042aaa542d596ca8c727cb; excerpt="Stop Payment (all stop payments) | $30.00" · Source

Account ServicesVerified

Legal Process (Liens, levies, restraining orders, etc,) Per Action$100Within the typical range ($25–$100 nationally)
$50 above the national median
Knox deterministic extraction from Rosetta artifact #3213. canonical_hint=legal_process; text_hash=863c3b6036e188207b55187d09fbeffe84642e4516042aaa542d596ca8c727cb; excerpt="Legal Process (Liens, levies, restraining orders, etc,) Per Action | $100.00" · Source
Lost Key Replacement Fee$25Within the typical range ($25–$80 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #3213. canonical_hint=safe_deposit_box; text_hash=863c3b6036e188207b55187d09fbeffe84642e4516042aaa542d596ca8c727cb; excerpt="Lost Key Replacement Fee | $25.00" · Source

Lending FeesVerified

+Plus appraisal fee and title insurance partial release endorsement fee of$150Within the typical range ($137.50–$475 nationally)
$125 below the national median
Knox deterministic extraction from Rosetta artifact #3213. canonical_hint=appraisal_fee; text_hash=863c3b6036e188207b55187d09fbeffe84642e4516042aaa542d596ca8c727cb; excerpt="+Plus appraisal fee and title insurance partial release endorsement fee of $150.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Research/Reconciliation of Account (per hour)	$30Above the typical range ($15–$25 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #3213. canonical_hint=account_research; text_hash=863c3b6036e188207b55187d09fbeffe84642e4516042aaa542d596ca8c727cb; excerpt="Research/Reconciliation of Account (per hour) \| $30.00"	Source
Overdraft & NSFVerified
Continuous Overdraft Fee/Negative Balance Fee (daily beginning on the 6th calendar day)	$5Within the typical range ($5–$25 nationally)	$1 below the national median	per day	Knox deterministic extraction from Rosetta artifact #3213. canonical_hint=continuous_od; text_hash=863c3b6036e188207b55187d09fbeffe84642e4516042aaa542d596ca8c727cb; excerpt="Continuous Overdraft Fee/Negative Balance Fee (daily beginning on the 6th calendar day) \| $5.00"	Source
ATM & CardVerified
Withdrawals made using your Ulster Savings Bank Debit MasterCard or your Ulster Savings Bank ATM Card at non-Ulster Savi	$1.50Within the typical range ($1–$3 nationally)	At the national median	per transaction	Knox deterministic extraction from Rosetta artifact #3213. canonical_hint=atm_non_network; text_hash=863c3b6036e188207b55187d09fbeffe84642e4516042aaa542d596ca8c727cb; excerpt="Withdrawals made using your Ulster Savings Bank Debit MasterCard or your Ulster Savings Bank ATM Card at non-Ulster Savings Bank ATM facilities will be processed at a fee of $1.50 "	Source
Check ServicesVerified
Stop Payment (all stop payments)	$30Within the typical range ($20–$30 nationally)	$3 above the national median	—	Knox deterministic extraction from Rosetta artifact #3213. canonical_hint=stop_payment; text_hash=863c3b6036e188207b55187d09fbeffe84642e4516042aaa542d596ca8c727cb; excerpt="Stop Payment (all stop payments) \| $30.00"	Source
Account ServicesVerified
Legal Process (Liens, levies, restraining orders, etc,) Per Action	$100Within the typical range ($25–$100 nationally)	$50 above the national median	—	Knox deterministic extraction from Rosetta artifact #3213. canonical_hint=legal_process; text_hash=863c3b6036e188207b55187d09fbeffe84642e4516042aaa542d596ca8c727cb; excerpt="Legal Process (Liens, levies, restraining orders, etc,) Per Action \| $100.00"	Source

Lending FeesVerified
+Plus appraisal fee and title insurance partial release endorsement fee of	$150Within the typical range ($137.50–$475 nationally)	$125 below the national median	—	Knox deterministic extraction from Rosetta artifact #3213. canonical_hint=appraisal_fee; text_hash=863c3b6036e188207b55187d09fbeffe84642e4516042aaa542d596ca8c727cb; excerpt="+Plus appraisal fee and title insurance partial release endorsement fee of $150.00"	Source

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Verified fees

Under review

Assets

$1.4B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$1.4B

Total deposits

$1.2B

Service charge income

$581K

Fee income ratio

4.0%

Return on assets

0.52%

Branches

Service charge income by quarter

Q2 2026$581K

Q1 2026$564K

Q4 2025$563K

Q3 2025$568K

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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