Ulster Savings Bank

Headquarters: Kingston, New York
Charter: Bank
Assets: $1.4B
Fed district: New York

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

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

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Fees against the market

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

Monthly Maintenance
Can be waived with a balance of $2,500 or more.
Ulster Savings Bank: $8
Ulster Savings Bank: $8
U.S. median: no median
Non-Network ATM
Ulster Savings Bank: $1.50
Ulster Savings Bank: $1.50
U.S. median: no median
Wire Transfer (Domestic Out)
Ulster Savings Bank: $30
Ulster Savings Bank: $30
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 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 Ulster Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$8
per month
Early Closure of Account (within 5 months of opening)$25
Research/Reconciliation of Account (per hour)$30
Not compared: Charged per hour; comparison unavailable
per hour · Research/Reconciliation of Account (per hour) | $30.00

Overdraft & NSF

Continuous Overdraft Fee/Negative Balance Fee (daily beginning on the 6th calendar day)$5
per day

ATM & Card

Withdrawals made using your Ulster Savings Bank Debit MasterCard or your Ulster Savings Bank ATM Card at non-Ulster Savi$1.50
per transaction
MasterCard Check Card/ATM Card Replacement$10

Wire Transfers

Outgoing Wires or Cables (Domestic – per item)$30
per item
Incoming Wires$10
Outgoing Wires or Cables (International - per item)$100
per item

Check Services

Bank Checks (issued for depositors only)$8
Stop Payment (all stop payments)$30
Counter Check (per check)$1
per item
Photocopies (per item, check or page)$1
per item

Digital & Electronic

Online Bill PaymentNo charge
Online Bill Payment Overnight Check Expedited Fee$14.95
Online Bill Payment Same Day Electronic Payment Expedited Fee$9.95

Account Services

Late Payment Fee (per month after due date, charged up to 5 times once box is more than 30 days past due)$5
Not compared: Monthly charge, not annual
per month
Lost Key Replacement Fee$25
Not compared: Box drilling or key fee
Legal Process (Liens, levies, restraining orders, etc,) Per Action$100
Legal Process (Liens, levies, restraining orders, etc,) Per Action$100

Lending Fees

Plus credit report fee$20.30
Appraisal$150

Other Fees

Account Statement Copy (per statement)$3
Not compared: Charged per statement; comparison unavailable
per statement · Account Statement Copy (per statement) | $3.00

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$8	per month	None
Early Closure of Account (within 5 months of opening)	$25	Not stated	None
Research/Reconciliation of Account (per hour)	$30Not compared: Charged per hour; comparison unavailable	per hour	Research/Reconciliation of Account (per hour) \| $30.00
Overdraft & NSF
Continuous Overdraft Fee/Negative Balance Fee (daily beginning on the 6th calendar day)	$5	per day	None
ATM & Card
Withdrawals made using your Ulster Savings Bank Debit MasterCard or your Ulster Savings Bank ATM Card at non-Ulster Savi	$1.50	per transaction	None
MasterCard Check Card/ATM Card Replacement	$10	Not stated	None
Wire Transfers
Outgoing Wires or Cables (Domestic – per item)	$30	per item	None
Incoming Wires	$10	Not stated	None
Outgoing Wires or Cables (International - per item)	$100	per item	None
Check Services
Bank Checks (issued for depositors only)	$8	Not stated	None
Stop Payment (all stop payments)	$30	Not stated	None
Counter Check (per check)	$1	per item	None
Photocopies (per item, check or page)	$1	per item	None
Digital & Electronic
Online Bill Payment	No charge	Not stated	None
Online Bill Payment Overnight Check Expedited Fee	$14.95	Not stated	None
Online Bill Payment Same Day Electronic Payment Expedited Fee	$9.95	Not stated	None
Account Services
Late Payment Fee (per month after due date, charged up to 5 times once box is more than 30 days past due)	$5Not compared: Monthly charge, not annual	per month	None
Lost Key Replacement Fee	$25Not compared: Box drilling or key fee	Not stated	None
Legal Process (Liens, levies, restraining orders, etc,) Per Action	$100	Not stated	None
Legal Process (Liens, levies, restraining orders, etc,) Per Action	$100	Not stated	None
Lending Fees
Plus credit report fee	$20.30	Not stated	None
Appraisal	$150	Not stated	None
Other Fees
Account Statement Copy (per statement)	$3Not compared: Charged per statement; comparison unavailable	per statement	Account Statement Copy (per statement) \| $3.00

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.

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