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Monthly Maintenance Fees

AccountMinimum Daily Balance to Avoid Monthly Maintenance FeeMonthly Maintenance Fee
Small Business CheckingN/A $0.25 per item (First 100 items free)
$10.00
Business Interest Checking$1,500$0.25 per item (1,000 items free)
Business Savings$100$2.00
Business Money Market$1,000$10.00

Special Handling Fees

ATM Fees
ATM Access (per foreign transaction)*No fee
ATM/Debit Reorder (card or PIN)$8.00
Point of Sale (POS) TransactionNo fee

*Allpoint ATMs, M&T Bank ATM and CFG Bank transactions are not subject to surcharge usage fees; some banks may surcharge for use of their ATM machine

Other Services

Other ServicesFee
Account Closed within 90 days of opening date$25.00
Account Reconcilement (per hour, minimum one hour)$20.00
ACH Return$12.00
Attachments, Levies, Subpoenas, etc.  (plus research & attorney fees – cost varies)$100.00
Cashier’s Check/Official Check$10.00
Check or Document Copy (per page)$5.00
Check PrintingVaries
Coin CountingNo fee
Deposited Item/Loan Payment Returned$12.00
Dormant Accounts (no activity for 2 years)$10.00
Foreign Check Collection (plus fee of paying bank)$20.00
Inactivity Fee after 6 months (no activity for 6 months on checking accts.
w/balance of $10 or less)
$10.00
Night Deposit Replacement Key$15.00
Non-Sufficient Funds/Overdraft created by check, in-person withdrawal,
or other electronic means, excluding ATMS and POS (whether paid or returned)
$37.00
Overdraft Line of Credit (annual fee)$25.00
Research Fee (rate per hour – minimum one hour)$30.00
Returned Statement Fee – second incident$6.00
Statement or Activity Printout$3.00
Stop Payment$30.00
Wire Transfers – Domestic/Incoming$12.00
Wire Transfers – Domestic/Outgoing$25.00
Wire Transfers In/Out – International$45.00

Effective July 29, 2022

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