TrustCo Home Town Investment Checking

−$300 a year for an everyday customer. $25 a month.

Checked Nov 8, 2026Updated Oct 22, 2026

A year, everyday customer: −$300
APY: Receipt · APYChecked Nov 8, 2026
Issuer's page · trustcobank.com
The source states this figure; we have no exact sentence on file yet.
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Monthly fee: Receipt · Monthly feeChecked Nov 8, 2026
Issuer document · trustcobank.com · PDF
The source states this figure; we have no exact sentence on file yet.
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To open: Not stated

Against the market

How it ranks

#989of 1043 checking accounts, by a year’s value for an everyday customer

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

Balance needed for the APY: $20,000trustcobank.com, checked Nov 8, 2026
To earn the APY: $20,000.00 daily minimum collected balance to earn interesttrustcobank.com, checked Nov 8, 2026

Monthly fee: $25 a monthtrustcobank.com, checked Nov 8, 2026
Ways to avoid the monthly fee: Any one of these:
a reoccurring direct deposit of payroll, retirement, or social security income
a monthly average collected balance of $20,000.00
trustcobank.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.

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