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.

Explore Hamilton View published fees

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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Among its peers

Rhinebeck Bank · $1.5B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$1.4B to $1.5B in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Rhinebeck Bank(this institution)	Rhinebeck, NY	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
1st Summit Bank	Johnstown, PA	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
American Heritage Bank	Sapulpa, OK	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
American Riviera Bank	Santa Barbara, CA	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ameriserv Financial Bank	Johnstown, PA	$1.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Apex Bank	Camden, TN	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Armed Forces Bank, National Association	Fort Leavenworth, KS	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Benchmark Community Bank	Kenbridge, VA	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Central Bank Illinois	Geneseo, IL	$1.5B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Citizens Bank	Elizabethton, TN	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Citizens Bank and Trust	Frostproof, FL	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Elkhorn Valley Bank & Trust	Norfolk, NE	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Federal Savings Bank of Twin Falls	Twin Falls, ID	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First National Bank of Pulaski	Pulaski, TN	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Greenfield Savings Bank	Greenfield, MA	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Grove Bank & Trust	Miami, FL	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Marquette Savings Bank	Erie, PA	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
North State Bank	Raleigh, NC	$1.5B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pathfinder Bank	Oswego, NY	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Peoples Bank of Alabama	Cullman, AL	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Peoples State Bank	Wausau, WI	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Providence Bank	Rocky Mount, NC	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Saco & Biddeford Savings Institution	Saco, ME	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Union County Savings Bank	Elizabeth, NJ	$1.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Bank	Atmore, AL	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Watertown Savings Bank	Watertown, MA	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 18 publish this fee(monthly maintenance)

7 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $1 (13%) above the median of similar-sized banks.

Its published price is $9, against a peer median of $8 among 18 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.

Monthly maintenance fee in dollars, one mark per institution

Rhinebeck BankPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.

Fee change alerts

Get an email when Rhinebeck Bank's monthly maintenance changes in our data

We check once a day and send one email covering every change.

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.

Among its peers

Rhinebeck Bank · $1.5B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$1.4B to $1.5B in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Rhinebeck Bank(this institution)	Rhinebeck, NY	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
1st Summit Bank	Johnstown, PA	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
American Heritage Bank	Sapulpa, OK	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
American Riviera Bank	Santa Barbara, CA	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ameriserv Financial Bank	Johnstown, PA	$1.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Apex Bank	Camden, TN	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Armed Forces Bank, National Association	Fort Leavenworth, KS	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Benchmark Community Bank	Kenbridge, VA	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Central Bank Illinois	Geneseo, IL	$1.5B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Citizens Bank	Elizabethton, TN	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Citizens Bank and Trust	Frostproof, FL	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Elkhorn Valley Bank & Trust	Norfolk, NE	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Federal Savings Bank of Twin Falls	Twin Falls, ID	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First National Bank of Pulaski	Pulaski, TN	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Greenfield Savings Bank	Greenfield, MA	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Grove Bank & Trust	Miami, FL	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Marquette Savings Bank	Erie, PA	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
North State Bank	Raleigh, NC	$1.5B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pathfinder Bank	Oswego, NY	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Peoples Bank of Alabama	Cullman, AL	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Peoples State Bank	Wausau, WI	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Providence Bank	Rocky Mount, NC	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Saco & Biddeford Savings Institution	Saco, ME	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Union County Savings Bank	Elizabeth, NJ	$1.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Bank	Atmore, AL	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Watertown Savings Bank	Watertown, MA	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 18 publish this fee(monthly maintenance)

7 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $1 (13%) above the median of similar-sized banks.

Its published price is $9, against a peer median of $8 among 18 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.

Monthly maintenance fee in dollars, one mark per institution

Rhinebeck BankPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.