Mohawk Valley Checking Account Notes

Adirondack Trust Co

Basic: Having E-Statement reduces the monthly maintenance fee by $2 and includes free check images. Check images returned with paper statement would be an additional $1 per month. Overdraft line of credit available subject to credit approval.
ATC Interest Checking (NOW): Having E-Statement reduces the monthly maintenance fee by $2 and includes free check images. Check images returned with paper statement would be an additional $1 per month. Per item fee of $0.20 and $1 per transaction fee at foreign (non-ATC) ATMs are waived if minimum balance is maintained. Overdraft line of credit available subject to credit approval.
Regular Checking: Having E-Statement reduces the monthly maintenance fee by $2 and includes free check images. Check images returned with paper statement would be an additional $1 a month. To waive monthly maintenance and checking fees: maintain $500 in checking account; or, $1000 in linked savings account; or have recurring Direct Deposit. Per item fee $0.20 for checks, $0.15 for deposits and $0.06 deposit for foreign (Non-ATC) items. Overdraft line of credit available subject to credit approval.

Bank of America

My Access Checking: Effective with statement cycles beginning on or after May 24, 2011, monthly maintenance fee (now $12) waived with one of the following requirements during each statement cycle: have at least one qualifying direct deposit of $250 or more made to your account each statement cycle, OR maintain an average daily balance of $1,500 or more in your account. Check images returned with statement would be an additional $3.00 a month. Free enrollment in "Keep the Change". Earn up to 20% cash back each time you use your check card with "Add It Up" program.
Advantage with Tiered Interest Checking: Tiered Interest rates. Monthly fee waived with combined balances of $10,000 in your checking with linked savings, CDs, IRAs, loans, line of credit, mortgage, credit card, or investment account. Free enrollment in "Keep the Change". Earn up to 20% cash back each time you use your check card with "Add It Up" program.
eBanking Checking: Monthly fee waived when deposits and withdrawals are made electronically or at Bank of America ATMs and you choose online paperless statements through Online Banking. Free enrollment in "Keep the Change". Earn up to 20% cash back each time you use your check card with "Add It Up" program.

Bank of Utica

Free Checking Plus Interest: $500 minimum average daily balance required to earn interest. Overdraft protection available, subject to credit approval, with a line of credit, finance charges apply.

Berkshire Bank

Free Checking: Two options for Overdraft Protection are available. Automatic Transfer Service transfers funds from your statement savings to your checking account. The exact amount of the overdraft will be transferred and you will be notified when a transfer has been made. There is a $10 per day transfer fee with the Automatic Transfer Service. Reddi Cash, a personal line of credit subject to credit approval, is also available for use as overdraft protection. Reddi-Cash automatically transfers enough money to your checking account to cover your checks if you do not have enough money in your account to cover them. There is no transfer fee, which saves you from overdraft fees and returned check charges.
NOW Checking: Two options for Overdraft Protection are available. Automatic Transfer Service transfers funds from your statement savings to your checking account. The exact amount of the overdraft will be transferred and you will be notified when a transfer has been made. There is a $10 per day transfer fee with the Automatic Transfer Service. Reddi Cash, a personal line of credit subject to credit approval, is also available for use as overdraft protection. Reddi-Cash automatically transfers enough money to your checking account to cover your checks if you do not have enough money in your account to cover them. There is no transfer fee, which saves you from overdraft fees and returned check charges.
Classic Relationship Checking: Two options for Overdraft Protection are available. Automatic Transfer Service transfers funds from your statement savings to your checking account. The exact amount of the overdraft will be transferred and you will be notified when a transfer has been made. There is a $10 per day transfer fee with the Automatic Transfer Service. Reddi Cash, a personal line of credit subject to credit approval, is also available for use as overdraft protection. Reddi-Cash automatically transfers enough money to your checking account to cover your checks if you do not have enough money in your account to cover them. There is no transfer fee, which saves you from overdraft fees and returned check charges.

Citizens Bank

Green Checking: Monthly fee waived if you make 5 qualifying payment transactions per month from your account OR maintain an average balance of $1,500. Overdraft protection is offered with: use of funds in savings account, line of credit or money market account (subject to credit approval). Overdraft line of credit has a $30 annual fee, a $10 fee each day a transfer occurs and finance charges will apply. Overdraft protection from savings has a $30 annual fee. NSF fee is $22 per item for the first day of occurrence; after the first day, it goes up to $37 per item.
Student Checking: Students must be actively enrolled in a full-time college or university program. Overdraft protection is offered with: use of funds in savings account, line of credit or money market account (subject to credit approval). Overdraft line of credit has a $30 annual fee, a $10 fee each day a transfer occurs and finance charges will apply. Overdraft protection from savings has a $30 annual fee. NSF fee is $22 per item for the first day of occurrence; after the first day, it goes up to $37 per item.
Circle Gold Checking with Interest: Monthly maintenance fee waived with $20,000 combined balances in checking, savings, CDs, loans and lines of credit. Overdraft protection is offered with: use of funds in savings account, line of credit or money market account (subject to credit approval). Overdraft line of credit has a $30 annual fee (waived for Circle Gold accounts), a $10 fee each day a transfer occurs and finance charges will apply. Overdraft protection from savings has a $30 annual fee. NSF fee is $22 per item for the first day of occurrence; after the first day, it goes up to $37 per item.
Circle with Interest: Monthly maintenance fee waived with $7,500 monthly combined balances in checking, savings, CDs, loans and lines of credit. Overdraft protection is offered with: use of funds in savings account, line of credit or money market account (subject to credit approval). Overdraft line of credit has a $30 annual fee, a $10 fee each day a transfer occurs and finance charges will apply. Overdraft protection from savings has a $30 annual fee. NSF fee is $22 per item for the first day of occurrence; after the first day, it goes up to $37 per item.
Personal Checking with Interest: Monthly fee waived if you make 5 qualifying payment transactions per month from your account OR maintain an average balance of $2,500 (qualifying payment transactions include ATM withdrawals, direct automatic payments you authorize to be taken from your account by a third party, payments using our Online Banking Bill Payment service, Debit Card purchases, and paid checks). Overdraft protection is offered with: use of funds in savings account, line of credit or money market account (subject to credit approval). Overdraft line of credit has a $30 annual fee, a $10 fee each day a transfer occurs and finance charges will apply. Overdraft protection from savings has a $30 annual fee. NSF fee is $22 per item for the first day of occurrence; after the first day, it goes up to $37 per item.
Circle Checking: Comes with a free Circle savings account. Monthly maintenance fee waived with $5,000 monthly combined balances in checking, savings, CDs, loans and lines of credit. Overdraft protection is offered with: use of funds in savings account, line of credit or money market account (subject to credit approval). Overdraft line of credit has a $30 annual fee, a $10 fee each day a transfer occurs and finance charges will apply. Overdraft protection from savings has a $30 annual fee. NSF fee is $22 per item for the first day of occurrence; after the first day, it goes up to $37 per item.

First Niagara

eChecking Account: Overdraft protection up to $400 subject to eligibility requirements, transfer fees may apply; or, overdraft sweep from savings or money market deposit account --$10 per transfer; or, overdraft line of credit, subject to credit approval, finance charges will apply--$10 per transfer. In the case of multiple NSF items presented on the same day, the number of non-sufficient fund fee charges will be limited to 5 per day.
Choice Checking: Monthly maintenance fee waived with $300 minimum daily checking balance; or with direct deposit; or $5,000 combined minimum daily balance in deposits or loans (excluding mortgages and credit card balances); or 10 debit transactions per month. Overdraft protection up to $400 subject to eligibility requirements, transfer fees may apply; or, overdraft sweep from savings or money market deposit account --$10 per transfer; or, overdraft line of credit, subject to credit approval, finance charges will apply--$10 per transfer. In the case of multiple NSF items presented on the same day, the number of non-sufficient fund fee charges will be limited to 5 per day.
Pinnacle Checking: Tiered interest rates. Monthly maintenance fee waived with a minimum daily checking balance of $1,000; or $25,000 combined balance in deposits, loans (excluding mortgages and credit card balances) or investments. Overdraft protection up to $1,000 subject to eligibility requirements, transfer fees may apply; or, overdraft sweep from savings or money market deposit account --$10 per transfer; or, overdraft line of credit, subject to credit approval, finance charges will apply--$10 per transfer. In the case of multiple NSF items presented on the same day, the number of non-sufficient fund fee charges will be limited to 5 per day. The rates listed are available for new accounts opened at branch locations (rates may vary by location). Rates available for new accounts opened online may be different.
PinnaclePlus Checking: Tiered Interest Rates. Monthly maintenance fee waived with a minimum daily checking balance of $5,000; or $50,000 combined balance in deposits, loans (excluding mortgages and credit card balances) or investments. Overdraft protection up to $1,000 subject to eligibility requirements, transfer fees may apply; or, overdraft sweep from savings or money market deposit account --$10 per transfer; or, overdraft line of credit, subject to credit approval, finance charges will apply--$10 per transfer. In the case of multiple NSF items presented on the same day, the number of non-sufficient fund fee charges will be limited to 5 per day. The rates listed are available for new accounts opened at branch locations (rates may vary by location). Rates available for new accounts opened online may be different.

HSBC Bank USA NA

Premier Checking Account: Monthly maintenance fee waived with $100,000 in qualifying combined personal deposit and investment balances. Minimum balance to earn APY is $5.
Plus Checking: Monthly maintenance fee waived with $15,000 in combined qualifying balances. Minimum balance to earn APY is $5.
Choice Checking: Monthly maintenance fee waived with $1,500 in deposit balance or with $5,000 combined balances in qualifying accounts or with monthly Direct Deposit. Check images are available online.

JPMorgan Chase Bank

Chase Premier Plus Checking: Tiered interest rates. Monthly service fee waived with combined average monthly balance of $15,000 or more in linked deposit, loan and investment accounts, otherwise $25 with Check Safekeeping or $27 with Image Statement. Overdraft protection options provided through savings, line of credit, or credit card account. Overdraft protection may be subject to credit approval, fees apply. NSF Fee: $34 per item or withdrawal request up to 3 per day. NSF Fee waived if closing balance is overdrawn by $5 or less.
Chase Total Checking: Monthly service fee waived with a monthly direct deposit of $500 or more or with a $1,500 minimum daily balance or, with an average daily balance of $5,000 or more in linked deposits investments. Overdraft protection options provided through savings, line of credit, or credit card account. Overdraft protection may be subject to credit approval, fees apply. NSF Fee: $34 per item or withdrawal request up to 3 per day. NSF Fee waived if closing balance is overdrawn by $5 or less. Paperless statements available online with no fee.
Chase Premier Platinum Checking: Tiered interest rates. Minimum Balance can be combined in qualifying checking, savings and investment accounts. Overdraft protection options provided through savings, line of credit, or credit card account. Overdraft protection may be subject to credit approval, fees apply. NSF Fee: $34 per item or withdrawal request up to 3 per day. NSF Fee waived if closing balance is overdrawn by $5 or less. Monthly service charges if not waived are $35 unless the account holder is in Ct, NJ, NY in which case the monthly service fee is $45.
College Checking Account: Monthly service fee waived for up to 5 years as long as account holder is enrolled in college or monthly service fee waived with monthly direct deposit; otherwise, fee applies regardless of balance kept. College student must be 17-24 years of age and may be required to validate student status, college name and expected graduation date at the time of account opening. Overdraft protection options provided through savings, line of credit, or credit card account. Overdraft protection may be subject to credit approval, fees apply. NSF Fee: $34 per item or withdrawal request up to 3 per day. NSF Fee waived if closing balance is overdrawn by $5 or less. Paperless statements available online with no fee.
High School Checking: Students between ages 13 - 17, account jointly owned with a parent or guardian, provided that the parent or guardian maintains a separate qualified linked checking account. No monthly service fee with a joint owner who maintains a qualified linked checking account, or with monthly direct deposit. Account converts to Chase Checking when student reaches age 19. Paperless statements available online for no fee.

NBT Bank

Classic Premium: NSF fees: $25 for the 1st and 2nd occurrence; $30 for the 3rd-5th occurrence; and $35 for the 6th occurrence and each occurrence thereafter. Additional $2 per month fee for check images returned with statement. Check images can also be viewed online.
Classic Interest Checking: Interest rate tiers, to earn interest account balance needs to be minimum of $100. Monthly service fee can also be waived if account holder is minimum of 50 years of age. NSF fees: $25 for the 1st and 2nd occurrence; $30 for the 3rd-5th occurrence; and $35 for the 6th occurrence and each occurrence thereafter. Additional $2 per month fee for check images returned with statement. Check images can also be viewed online.
Classic Checking: NSF fees: $25 for the 1st and 2nd occurrence; $30 for the 3rd-5th occurrence; and $35 for the 6th occurrence and each occurrence thereafter. Additional $2 per month fee for check images returned with statement. Check images can also be viewed online.
Interest Premium Checking: Interest rate tiers, to earn interest account balance needs to be minimum of $100. NSF fees: $25 for the 1st and 2nd occurrence; $30 for the 3rd-5th occurrence; and $35 for the 6th occurrence and each occurrence thereafter. This account has a monthly fee of $5 for the Premium Package which offers valuable discounts in vision plan, prescription drug program, medical supply, fraud assistance and insurance (note this $5 fee cannot be waived). Additional $2 per month fee for check images returned with statement. Check images can also be viewed online.
Star Privilege Premium: NSF fees: $25 for the 1st and 2nd occurrence; $30 for the 3rd-5th occurrence; and $35 for the 6th occurrence and each occurrence thereafter. This account is only available to customers with Star Privilege Premium Plan. Monthly service fee can also be waived with $5,000 combined average daily collected balance in 4 other qualifying deposit accounts. Additional $2 per month fee for check images returned with statement. Check images can also be viewed online.