RateHerald

APY

0.00%

As of Nov 8, 2026. Rates are variable.

TrustCo Bank · Checking account

TrustCo Home Town Free Checking

$0 a year for an everyday customer. No monthly fee.

Checked Nov 8, 2026Updated

A year, everyday customer
$0
APY
Monthly fee
To open
Not stated

Against the market

How it ranks

#118of 1043 checking accounts, by a year’s value for an everyday customer

All 1043 checking accounts, ranked

Features

  • Check writing
  • Free checks

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

In the bank’s words

Terms

Fees

Monthly fee
Nonetrustcobank.com, checked Nov 8, 2026
Overdraft fee
$36trustcobank.com, checked Nov 8, 2026
Returned item (NSF) fee
$36trustcobank.com, checked Nov 8, 2026
Overdraft transfer fee
$10trustcobank.com, checked Nov 8, 2026
Most overdraft fees in a day
5trustcobank.com, checked Nov 8, 2026
ATM network
Trustco ATM; no fee at Publix Supermarket or in the Allpoint Networktrustcobank.com, checked Nov 8, 2026
Out-of-network ATM fee
$2.50trustcobank.com, checked Nov 8, 2026
Foreign transaction fee (debit card)
3%trustcobank.com, checked Nov 8, 2026
Incoming domestic wire
$16trustcobank.com, checked Nov 8, 2026
Outgoing domestic wire
$30trustcobank.com, checked Nov 8, 2026
Outgoing international wire
$45trustcobank.com, checked Nov 8, 2026
Inactivity fee
$10trustcobank.com, checked Nov 8, 2026
Early closure fee
$26trustcobank.com, checked Nov 8, 2026
Cashier’s check
$11trustcobank.com, checked Nov 8, 2026
Stop payment
$30trustcobank.com, checked Nov 8, 2026
Card replacement
$6trustcobank.com, checked Nov 8, 2026

FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money

See it on trustcobank.com

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