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

Rhinebeck Bank

Rhinebeck, New YorkBankNew York Fed districtFees collected Oct 5, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Overdraft & NSFVerified

Non-Sufficient Funds Fee: Fee$35Above the typical range ($25–$31 nationally)

Overdraft (OD) Per Item Fee: Fee$35

$5 above the national median

Source

ATM & CardVerified

Card Replacement$8Within the typical range ($5–$10 nationally)
$2 below the national median
Source

Check ServicesVerified

Bank Checks: Fee$8Above the typical range ($3–$5.50 nationally)
$3 above the national median
Source
Counter Checks – Qty of 4: Fee$1Within the typical range ($1–$4 nationally)
$1 below the national median
Source
Money Order (Customer Only): Fee$5Above the typical range ($1.75–$3 nationally)
$3 above the national median
Source
Stop Payment: Fee$35Above the typical range ($20–$30 nationally)
$9 above the national median
Source

Account ServicesVerified

Balance Inquiry$2.25Above the typical range ($1–$2 nationally)
$1.25 above the national median
Source
Levy/Restraint, etc.$125Above the typical range ($30–$75 nationally)
$75 above the national median
Source
Lost key$57Within the typical range ($25–$80 nationally)
$12 above the national median
Source

Mortgage ServicingVerified

Duplicate Lien Release$23Within the typical range ($6.25–$24.75 nationally)
$13 above the national median
Source

Retirement & IRAVerified

IRA Transfer: Fee$25Within the typical range ($25–$35.63 nationally)
At the national median
Source

Other FeesVerified

Photocopy of Document$2Within the typical range ($2–$5 nationally)
$1 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Overdraft & NSFVerified
Non-Sufficient Funds Fee: Fee	$35Above the typical range ($25–$31 nationally)	$5 above the national median	—	—	Source
Overdraft (OD) Per Item Fee: Fee	$35Above the typical range ($25–$32 nationally)	$5 above the national median	—	—	Source
ATM & CardVerified
Card Replacement	$8Within the typical range ($5–$10 nationally)	$2 below the national median	—	—	Source
Check ServicesVerified
Bank Checks: Fee	$8Above the typical range ($3–$5.50 nationally)	$3 above the national median	—	—	Source
Counter Checks – Qty of 4: Fee	$1
Account ServicesVerified
Balance Inquiry	$2.25Above the typical range ($1–$2 nationally)	$1.25 above the national median	—	—	Source
Levy/Restraint, etc.	$125
Mortgage ServicingVerified
Duplicate Lien Release	$23Within the typical range ($6.25–$24.75 nationally)	$13 above the national median	—	—	Source
Retirement & IRAVerified
IRA Transfer: Fee	$25Within the typical range ($25–$35.63 nationally)	At the national median	—	—	Source
Other FeesVerified
Photocopy of Document	$2Within the typical range ($2–$5 nationally)	$1 below the national median	—	—	Source

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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

$35

Overdraft fee: $35

17% above the national median overdraft fee

Total fees: 13 — leaner than most institutions

Headline fees published

5 of 15

Published fees

Under review

Assets

$1.5B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$1.5B

Total deposits

$1.3B

Service charge income

$268K

Fee income ratio

2.0%

Return on assets

0.87%

Branches

Service charge income by quarter

Q2 2026$268K

Q1 2026$288K

Q4 2025$285K

Q3 2025$276K

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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Based on 34,850 published fee entries from 2,498 institutions

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