TrustCo BankSavings accountChecked Oct 10, 2026Updated
TrustCo Home Town Passbook and Statement Savings
0.06%APY on $10,000 · as of Oct 10, 2026
- A year on $10,000
- $6 after fees
- Monthly fee
- $5 a month
- On our list
- #146 of 234 savings accounts, by a year’s value on $10,000
Visit TrustCoThe bank’s own page · checked Oct 10, 2026
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Rates are variable; these are today’s.
| Balance | APY | A year, after fees |
|---|---|---|
| $1,000 | 0.06% | $1 |
| $5,000 | 0.06% | $3 |
| $10,000 | 0.06% | $6 |
| $25,000 | 0.73% | $182 |
| $50,000 | 0.15% | $75 |
| $100,000 | 0.30% | $300 |
Rates by balance
| Balance | APY |
|---|---|
| $200 to $14,999.99 | 0.06% |
| $15,000 to $49,999.99 | 0.07% |
| $20,000 to $49,999.99 | 0.73% |
| $50,000 to $99,999.99 | 0.15% |
| $100,000 to $249,999.99 | 0.30% |
| $250,000 and up | 0.35% |
Source: the bank’s rates · as of Oct 10, 2026
Fees
- Monthly fee
- $5 a monthSource · checked Oct 10, 2026
- Ways to avoid the monthly fee
- $200.00 daily minimum available balance to avoid $5.00 monthly service chargeSource · 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
- Fee for each withdrawal over the limit
- $0.50Source · 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
- 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
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money