TrustCo BankChecking accountChecked Oct 10, 2026Updated Oct 9, 2026

TrustCo Home Town Investment Checking

1.00%APY · as of Oct 10, 2026

A year for an everyday customer: −$300 fees and interest, $2,000 kept
Monthly fee: $25 a month
On our list: #933 of 986 checking accounts, by a year’s value for an everyday customer

Rate conditions

Balance needed for the APY: $20,000Source · checked Oct 10, 2026
To earn the APY: $20,000.00 daily minimum collected balance to earn interestSource · checked Oct 10, 2026

Monthly fee: $25 a monthSource · checked Oct 10, 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
Source · checked Oct 10, 2026
Overdraft fee: $36Source · checked Oct 10, 2026
Returned item (NSF) fee: $36Source · checked Oct 10, 2026
Overdraft transfer fee: $10Source · checked Oct 10, 2026
Most overdraft fees in a day: 5Source · checked Oct 10, 2026
ATM network: Trustco ATM; no fee at Publix Supermarket or in the Allpoint NetworkSource · checked Oct 10, 2026
Out-of-network ATM fee: $2.50Source · checked Oct 10, 2026
Foreign transaction fee (debit card): 3%Source · checked Oct 10, 2026
Incoming domestic wire: $16Source · checked Oct 10, 2026
Outgoing domestic wire: $30Source · checked Oct 10, 2026
Outgoing international wire: $45Source · checked Oct 10, 2026
Inactivity fee: $10Source · checked Oct 10, 2026
Early closure fee: $26Source · checked Oct 10, 2026
Cashier’s check: $11Source · checked Oct 10, 2026
Stop payment: $30Source · checked Oct 10, 2026
Card replacement: $6Source · checked Oct 10, 2026

Check writingFree checksInterest bearing

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

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