vs. U.S. typical range:LowerTypicalHigher
$20 above the national median$15.50 above the New York median
$7.50 below the national median$7.50 below the New York median
$5 above the national median$5 above the New York median
$5 above the national median$9.25 above the New York median
$0.75 above the national median$0.75 above the New York median
$0.75 above the national median$0.75 above the New York median
$2 below the national median$2 below the New York median
$1 below the national median$1 below the New York median
$1 above the national median$1 above the New York median
$16 below the national median$11 below the New York median
$3 above the national median$3 above the New York median
$3 above the national median$3 above the New York median
$7.50 above the national median$10 above the New York median
$1 below the national median$1 below the New York median
$12 above the national median$2 above the New York median
$75 above the national median$50 above the New York median
At the national medianAt the New York median
$1 below the national median$1 below the New York median
$14.50 below the national median$13.25 below the New York median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Escheatment Processing: Fee | $25Above the typical range ($5–$10 nationally) | $20 above the national median$15.50 above the New York median | — | — | Source |
| Returned Mail – Per Month: Fee | $10Below the typical range ($11–$25 nationally) | $7.50 below the national median$7.50 below the New York median | — | — | Source |
Overdraft & NSFVerified | |||||
| Overdraft (OD) Per Item Fee: Fee | $35Above the typical range ($25–$33 nationally) | $5 above the national median$5 above the New York median | — | — | Source |
| Non-Sufficient Funds Fee: Fee | $35 | ||||
ATM & CardVerified | |||||
| Balance Inquiry | $2.25Within the typical range ($1–$2.25 nationally) | $0.75 above the national median$0.75 above the New York median | — | — | Source |
| Non-Rhinebeck Bank ATM: Cash Withdrawal | $2.25 | ||||
Wire TransfersVerified | |||||
| Wire Transfers: Outgoing Domestic | $24Within the typical range ($20–$25 nationally) | $1 below the national median$1 below the New York median | — | — | Source |
| Wire Transfers: Incoming | $11 | ||||
Check ServicesVerified | |||||
| Bank Checks: Fee | $8Above the typical range ($3–$6 nationally) | $3 above the national median$3 above the New York median | — | — | Source |
| Money Order (Customer Only): Fee | $5 | ||||
Account ServicesVerified | |||||
| Lost key | $57Within the typical range ($30–$70 nationally) | $12 above the national median$2 above the New York median | — | — | Source |
| Levy/Restraint, etc. | $125 | ||||
Retirement & IRAVerified | |||||
| IRA Transfer: Fee | $25Within the typical range ($25–$35 nationally) | At the national medianAt the New York median | — | — | Source |
Other FeesVerified | |||||
| Photocopy of Document | $2Within the typical range ($2–$5 nationally) | $1 below the national median$1 below the New York median | — | — | Source |
| Duplicate Lien Release | $23 | ||||
Its state has too few comparable institutions, so these are its Fed district peers.
Overdraft
$35.00
Of 42 others that publish it, 21 lower, 12 the same and 9 higher.
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$35
Headline fees published
9 of 15
Published fees
19
Under review
0
Assets
$1.5B
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Financial Context
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
15
Service charge income by quarter
Financial profile · Pro
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| $5 above the national median$9.25 above the New York median |
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| Source |
| $0.75 above the national median$0.75 above the New York median |
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| — |
| Source |
| Card Replacement | $8Within the typical range ($5–$10 nationally) | $2 below the national median$2 below the New York median | — | — | Source |
| $1 above the national median$1 above the New York median |
| — |
| — |
| Source |
| Wire Transfers: Outgoing Foreign | $34Below the typical range ($40–$50 nationally) | $16 below the national median$11 below the New York median | — | — | Source |
| $3 above the national median$3 above the New York median |
| — |
| — |
| Source |
| Stop Payment: Fee | $35Above the typical range ($20–$30 nationally) | $7.50 above the national median$10 above the New York median | — | — | Source |
| Counter Checks – Qty of 4: Fee | $1Within the typical range ($1–$4 nationally) | $1 below the national median$1 below the New York median | — | — | Source |
| $75 above the national median$50 above the New York median |
| — |
| — |
| Source |
| $14.50 below the national median$13.25 below the New York median |
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| Source |