Rhinebeck Bank

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

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

Source: its fee schedule, read Oct 16, 2026.

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Fees against the market

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

Monthly Maintenance
Starter Checking
Rhinebeck Bank: $9
Rhinebeck Bank: $9
U.S. median: no median
Overdraft (OD)
Rhinebeck Bank: $35
Rhinebeck Bank: $35
U.S. median: no median
NSF / Returned Item
Rhinebeck Bank: $35
Rhinebeck Bank: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 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 Rhinebeck Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$9
per month
Early Account Closing: Within 180 days$39
Dormant Account$25
Monthly statement mailing fee$2
per month
Returned Mail$10

Overdraft & NSF

Overdraft (OD)$35
per item
NSF / Returned Item$35

ATM & Card

Balance Inquiry$2.25
Non-Rhinebeck Bank ATM: Cash Withdrawal$2.25
Card Replacement$8

Wire Transfers

Wire Transfers: Outgoing Domestic$24
Wire Transfers: Incoming$11
Wire Transfers: Incoming Verification$6
Wire Transfers: Outgoing Foreign (audience not stated, treated as personal)$34

Check Services

Cashier's Check$8
Money Order$5
Stop Payment$35
Counter/Temporary Check$1

Account Services

Lost key$57
Not compared: Box drilling or key fee
Safe Deposit Box 2″ x 5″ (audience not stated, treated as personal)$40
Levy/Restraint, etc$125

Retirement & IRA

IRA Termination$25

Other Fees

Photocopy of Document$2
Duplicate Lien Release$23
Duplicate Loan Payoff Letter$17

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$9	per month	None
Early Account Closing: Within 180 days	$39	Not stated	None
Dormant Account	$25	Not stated	None
Monthly statement mailing fee	$2	per month	None
Returned Mail	$10	Not stated	None
Overdraft & NSF
Overdraft (OD)	$35	per item	None
NSF / Returned Item	$35	Not stated	None
ATM & Card
Balance Inquiry	$2.25	Not stated	None
Non-Rhinebeck Bank ATM: Cash Withdrawal	$2.25	Not stated	None
Card Replacement	$8	Not stated	None
Wire Transfers
Wire Transfers: Outgoing Domestic	$24	Not stated	None
Wire Transfers: Incoming	$11	Not stated	None
Wire Transfers: Incoming Verification	$6	Not stated	None
Wire Transfers: Outgoing Foreign (audience not stated, treated as personal)	$34	Not stated	None
Check Services
Cashier's Check	$8	Not stated	None
Money Order	$5	Not stated	None
Stop Payment	$35	Not stated	None
Counter/Temporary Check	$1	Not stated	None
Account Services
Lost key	$57Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 2″ x 5″ (audience not stated, treated as personal)	$40	Not stated	None
Levy/Restraint, etc	$125	Not stated	None
Retirement & IRA
IRA Termination	$25	Not stated	None
Other Fees
Photocopy of Document	$2	Not stated	None
Duplicate Lien Release	$23	Not stated	None
Duplicate Loan Payoff Letter	$17	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 16, 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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