Checking Fees

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INSTITUTION PHONE ACCT NAME INT YIELD MIN TO OPEN MIN TO AVOID FEES MONTHLY SERVICE FEE CHECK RETURN WITH STMNT # FREE ITEMS PER ITEM FEE NSF FEE OVERDRAFT PROTECTION ONLINE BILL PYT FEE NOTES
Adirondack Trust Co 518-584-5844 Basic Checking N/A $0 $0 $3.00 Yes 8 $0.20 $30.00 Yes $0.00 VIEW
Adirondack Trust Co 518-584-5844 ATC Interest Checking (NOW) 0.10% $500 $500 $5.00 Yes See note $0.20 $30.00 Yes $0.00 VIEW
Adirondack Trust Co 518-584-5844 Regular Checking N/A $1 $500 $3.00 Yes 0 $0.20 $30.00 Yes $0.00 VIEW
Bank of America 800-432-1000 MyAccess Checking N/A $25 $1,500 $12.00 Yes All N/A $35.00 Yes $0.00 VIEW
Bank of America 800-432-1000 Advantage with Tiered Interest Checking 0.05% - 0.10% $100 $10,000 $25.00 Yes All N/A $35.00 Yes $0.00 VIEW
Bank of America 800-432-1000 eBanking N/A $25 $0 $0.00 - $8.95 Yes All N/A $35.00 Yes $0.00 VIEW
Capital Bank 800-836-3711 Free Checking N/A $0 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
Capital Bank 800-836-3712 Capital NOW Checking 0.10% - 0.20% $0 $1,000 $5.00 Yes All N/A $30.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Green Checking N/A $50 $1,500 $4.99 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Student Money Bundle N/A $10 $0 $3.99 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Circle Gold Checking with Interest 0.05% $250 $20,000 $20.00 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Circle Checking with Interest 0.03% $100 $7,500 $15.00 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Personal Checking with Interest 0.03% $50 $2,500 $9.99 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Circle Checking N/A $100 $5,000 $15.00 Yes All N/A $22.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Value Bundle N/A $50 $0 $0.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Value Checking N/A $50 $0 $0.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Preferred Bundle 0.05% $50 $5,000 $10.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Preferred Checking 0.05% $50 $5,000 $10.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Prestige Bundle 0.05% - 0.20% $50 $25,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Prestige Checking 0.05% - 0.20% $50 $25,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 E-Checking N/A $50 $0 $0.00 Yes 5 $0.50 $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Choice Checking N/A $50 $300 $7.50 Yes 5 $0.50 $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Pinnacle Checking 0.05% - 0.15% $50 $1,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 PinnaclePlus Checking 0.05% - 0.20% $500 $5,000 $25.00 Yes All N/A $35.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Premiere Checking 0.01% $1 $100,000 $50.00 Yes All N/A $0.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Plus Checking 0.01% $1 $15,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Choice Checking N/A $1 $1,500 $8.00 Yes All N/A $35.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Basic Banking N/A $1 $0 $3.00 Yes 8 $0.35 $35.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Express Checking N/A $50 See Note $5.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Student N/A $50 See Note $5.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Advantage 0.04% - 0.05% $50 $10,000 $15.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Privilege 0.25% - 0.30% $50 $25,000 $25.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Privilege Select 0.30% - 0.45% $50 $100,000 $25.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Coverage Checking N/A $50 $0 $10.00 Yes All N/A $0.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Checkless Access N/A $0 $0 $0.00 No All N/A $34.00 No $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 Power Checking 0.05% - 0.20% $25 $50,000 $24.00 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 M&T Select Checking with Interest 0.01% $25 $5,000 $14.00 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 MYChoice Checking N/A $25 $500 $6.95 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 M&T Classic Checking with Interest 0.01% $25 $500 $4.95 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 College Checking N/A $0 $0 $0.00 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 Basic Banking N/A $25 $0 $3.00 Yes 8 $1.00 $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 M&T Totally Free Checking N/A $25 $0 $0.00 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 M&T Select Checking N/A $25 $5,000 $14.00 Yes All N/A $0.00 Yes $0.00 VIEW
Pioneer Savings Bank 518-274-4800 Better Checking N/A $5 $0 $0.00 Yes All N/A $25.00 Yes $0.00 VIEW
Pioneer Savings Bank 518-274-4800 NOW Account 0.10% $5 $500 $6.00 Yes All N/A $25.00 Yes $0.00 VIEW
TD Bank 888-751-9000 Simple Checking N/A $0 $0 $3.99 Yes 8 $0.50 $35.00 Yes $0.00 VIEW
TD Bank 888-751-9000 60 Plus Checking 0.05% $250 $100 $10.00 Yes All N/A $35.00 Yes $0.00 VIEW
TD Bank 888-751-9000 Convenience Checking N/A $100 See Note $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
TD Bank 888-751-9000 Premier Checking 0.00% - 0.30% $2,500 $2,500 $25.00 Yes All N/A $35.00 Yes $0.00 VIEW
TD Bank 888-751-9000 Student Checking N/A $0 $0 $0.00 Yes All N/A $35.00 Yes $0.00 VIEW
TD Bank 888-751-9000 Relationship Checking 0.05% $20,000 $20,000 $25.00 Yes All N/A $35.00 Yes $0.00 VIEW
TrustCo Bank 800-670-3110 Free Interest Checking 0.05% $25 $0 $0.00 Yes All N/A $35.00 Yes $0.00 VIEW
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INSTITUTION PHONE ACCT NAME INT YIELD MIN TO OPEN MIN TO AVOID FEES MONTHLY SERVICE FEE CHECK RETURN WITH STMNT # FREE ITEMS PER ITEM FEE NSF FEE OVERDRAFT PROTECTION ONLINE BILL PYT FEE NOTES
Adirondack Trust Co 518-584-5844 Basic Checking N/A $0 $0 $3.00 Yes 8 $0.20 $30.00 Yes $0.00 VIEW
Adirondack Trust Co 518-584-5844 ATC Interest Checking (NOW) 0.10% $500 $500 $5.00 Yes See note $0.20 $30.00 Yes $0.00 VIEW
Adirondack Trust Co 518-584-5844 Regular Checking N/A $1 $500 $3.00 Yes 0 $0.20 $30.00 Yes $0.00 VIEW
Bank of America 800-432-1000 MyAccess Checking N/A $25 $1,500 $12.00 Yes All N/A $35.00 Yes $0.00 VIEW
Bank of America 800-432-1000 Advantage with Tiered Interest Checking 0.05% - 0.10% $100 $10,000 $25.00 Yes All N/A $35.00 Yes $0.00 VIEW
Bank of America 800-432-1000 eBanking N/A $25 $0 $0.00 - $8.95 Yes All N/A $35.00 Yes $0.00 VIEW
Bank of Utica 800-442-1028 Free Checking Plus Interest 0.50% $25 $0 $0.00 Yes All N/A $25.00 Yes $0.00 VIEW
Berkshire Bank 800-773-5601 Free Checking N/A $100 $0 $0.00 Yes All N/A $32.00 Yes $0.00 VIEW
Berkshire Bank 800-773-5601 NOW Checking 0.05% $100 $750 $7.00 Yes All N/A $32.00 Yes $0.00 VIEW
Berkshire Bank 800-773-5601 Classic Relationship Checking 0.05% $100 $20,000 $12.00 Yes All N/A $32.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Green Checking N/A $50 $1,500 $4.99 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Student Money Bundle N/A $10 $0 $3.99 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Circle Gold Checking with Interest 0.05% $250 $20,000 $20.00 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Circle Checking with Interest 0.03% $100 $7,500 $15.00 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Personal Checking with Interest 0.03% $50 $2,500 $9.99 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Circle Checking N/A $100 $5,000 $15.00 Yes All N/A $22.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Value Bundle N/A $50 $0 $0.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Value Checking N/A $50 $0 $0.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Preferred Bundle 0.05% $50 $5,000 $10.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Preferred Checking 0.05% $50 $5,000 $10.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Prestige Bundle 0.05% - 0.20% $50 $25,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Prestige Checking 0.05% - 0.20% $50 $25,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 E-Checking N/A $50 $0 $0.00 Yes 5 $0.50 $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Choice Checking N/A $50 $300 $7.50 Yes 5 $0.50 $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Pinnacle Checking 0.05% - 0.15% $50 $1,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 PinnaclePlus Checking 0.05% - 0.20% $500 $5,000 $25.00 Yes All N/A $35.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Premiere Checking 0.01% $1 $100,000 $50.00 Yes All N/A $0.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Plus Checking 0.01% $1 $15,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Choice Checking N/A $1 $1,500 $8.00 Yes All N/A $35.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Basic Banking N/A $1 $0 $3.00 Yes 8 $0.35 $35.00 Yes $0.00 VIEW
JPMorgan Chase Bank 877-682-4273 Chase Premier Plus Checking 0.01% - 0.01% $25 $15,000 $25.00 Yes All N/A $34.00 Yes $0.00 VIEW
JPMorgan Chase Bank 877-682-4273 Chase Total Checking N/A $25 See Note $12.00 No All N/A $34.00 Yes $0.00 VIEW
JPMorgan Chase Bank 800-400-6828 Chase Premier Platinum Checking 0.01% - 0.01% $100 $75,000 $35.00 Yes All N/A $34.00 Yes $0.00 VIEW
JPMorgan Chase Bank 877-682-4273 College Checking N/A $25 See Note $6.00 No All N/A $34.00 Yes $0.00 VIEW
JPMorgan Chase Bank 877-682-4273 High School Checking N/A $25 See Note $6.00 No All N/A $34.00 Yes $0.00 VIEW
NBT Bank 800-628-2265 Classic Premium N/A $0 $0 $5.00 Yes All N/A $25.00 Yes $2.50 VIEW
NBT Bank 800-628-2265 Classic Interest Checking 0.03% - 0.05% $0 $0 $6.00 Yes All N/A $25.00 Yes $4.50 VIEW
NBT Bank 800-628-2265 Classic Checking N/A $0 $500 $0.00 Yes All N/A $25.00 Yes $4.50 VIEW
NBT Bank 800-628-2265 Interest Premium Checking 0.03% - 0.05% $0 $0 $5.00 Yes All N/A $25.00 Yes $2.50 VIEW
NBT Bank 800-628-2265 Star Privilege Premium Plan N/A $5,000 $5,000 $14.50 Yes All N/A $25.00 Yes $0.00 VIEW
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INSTITUTION PHONE ACCT NAME INT YIELD MIN TO OPEN MIN TO AVOID FEES MONTHLY SERVICE FEE CHECK RETURN WITH STMNT # FREE ITEMS PER ITEM FEE NSF FEE OVERDRAFT PROTECTION ONLINE BILL PYT FEE NOTES
Alliance Bank 800-310-6275 Alliance Gold 0.10% $25 $0 $5.00 Yes All N/A $30.00 Yes $0.00 VIEW
Alliance Bank 800-310-6275 Interest Checking 0.25% - 0.50% $25 $1,500 $8.00 Yes All N/A $30.00 Yes $0.00 VIEW
Alliance Bank 800-310-6275 Free Checking N/A $0 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
Alliance Bank 800-310-6275 Alliance 50 Checking 0.10% $25 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
Alliance Bank 800-310-6275 Alliance 50 Plus Checking 0.10% $25 $0 $4.00 Yes All N/A $30.00 Yes $0.00 VIEW
Bank of America 800-432-1000 MyAccess Checking N/A $25 $1,500 $12.00 Yes All N/A $35.00 Yes $0.00 VIEW
Bank of America 800-432-1000 Advantage with Tiered Interest Checking 0.05% - 0.10% $100 $10,000 $25.00 Yes All N/A $35.00 Yes $0.00 VIEW
Bank of America 800-432-1000 eBanking N/A $25 $0 $0.00 - $8.95 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Value Bundle N/A $50 $0 $0.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Value Checking N/A $50 $0 $0.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Preferred Bundle 0.05% $50 $5,000 $10.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Preferred Checking 0.05% $50 $5,000 $10.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Prestige Bundle 0.05% - 0.20% $50 $25,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Prestige Checking 0.05% - 0.20% $50 $25,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 E-Checking N/A $50 $0 $0.00 Yes 5 $0.50 $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Choice Checking N/A $50 $300 $7.50 Yes 5 $0.50 $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Pinnacle Checking 0.05% - 0.15% $50 $1,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 PinnaclePlus Checking 0.05% - 0.20% $500 $5,000 $25.00 Yes All N/A $35.00 Yes $0.00 VIEW
Geddes Fedl Svgs & Ln Assoc 315-468-6281 NOW Checking 0.55% $250 $250 $5.00 Yes All N/A $25.00 Yes $0.00 VIEW
Geddes Fedl Svgs & Ln Assoc 315-468-6281 Super NOW Checking 0.65% $2,500 $2,500 $5.00 Yes All N/A $25.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Premiere Checking 0.01% $1 $100,000 $50.00 Yes All N/A $0.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Plus Checking 0.01% $1 $15,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Choice Checking N/A $1 $1,500 $8.00 Yes All N/A $35.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Basic Banking N/A $1 $0 $3.00 Yes 8 $0.35 $35.00 Yes $0.00 VIEW
JPMorgan Chase Bank 877-682-4273 Chase Premier Plus Checking 0.01% - 0.01% $25 $15,000 $25.00 Yes All N/A $34.00 Yes $0.00 VIEW
JPMorgan Chase Bank 877-682-4273 Chase Total Checking N/A $25 See Note $12.00 No All N/A $34.00 Yes $0.00 VIEW
JPMorgan Chase Bank 800-400-6828 Chase Premier Platinum Checking 0.01% - 0.01% $100 $75,000 $35.00 Yes All N/A $34.00 Yes $0.00 VIEW
JPMorgan Chase Bank 877-682-4273 College Checking N/A $25 See Note $6.00 No All N/A $34.00 Yes $0.00 VIEW
JPMorgan Chase Bank 877-682-4273 High School Checking N/A $25 See Note $6.00 No All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Express Checking N/A $50 See Note $5.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Student N/A $50 See Note $5.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Advantage 0.04% - 0.05% $50 $10,000 $15.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Privilege 0.25% - 0.30% $50 $25,000 $25.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Privilege Select 0.30% - 0.45% $50 $100,000 $25.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Coverage Checking N/A $50 $0 $10.00 Yes All N/A $0.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Checkless Access N/A $0 $0 $0.00 No All N/A $34.00 No $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 Power Checking 0.05% - 0.20% $25 $50,000 $24.00 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 M&T Select Checking with Interest 0.01% $25 $5,000 $14.00 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 MYChoice Checking N/A $25 $500 $6.95 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 M&T Classic Checking with Interest 0.01% $25 $500 $4.95 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 College Checking N/A $0 $0 $0.00 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 Basic Banking N/A $25 $0 $3.00 Yes 8 $1.00 $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 M&T Totally Free Checking N/A $25 $0 $0.00 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 M&T Select Checking N/A $25 $5,000 $14.00 Yes All N/A $0.00 Yes $0.00 VIEW
Oneida Savings Bank 800-211-0564 Totally Free Checking N/A $10 $0 $0.00 Yes All N/A $25.00 Yes $0.00  
Oneida Savings Bank 800-211-0564 50+ Free Interest Checking 0.05% $50 $0 $0.00 Yes All N/A $25.00 Yes $0.00 VIEW
Oneida Savings Bank 800-211-0564 VIP Free Interest Checking 0.05% $50 $0 $0.00 Yes All N/A $25.00 Yes $0.00 VIEW
Oneida Savings Bank 800-211-0564 Premium Interest Checking 0.05% - 0.10% $50 $1,000 $8.00 Yes All N/A $25.00 Yes $0.00 VIEW
Oneida Savings Bank 800-211-0564 Money Market Checking 0.00% - 0.25% $1,000 $1,000 $5.00 Yes See note N/A $25.00 Yes $0.00 VIEW
Solvay Bank 315-468-1661 Direct Rewards N/A $15 $0 $0.00 Yes All N/A $28.00 Yes $0.00 VIEW
Solvay Bank 315-468-1661 Simply Free N/A $15 $0 $0.00 Yes All N/A $28.00 Yes $2.95 VIEW
Solvay Bank 315-468-1661 NOW Personal 0.25% $15 $500 $5.00 Yes 0 $0.15 $28.00 Yes $2.95 VIEW
Solvay Bank 315-468-1661 Money Market Advantage 0.35% - 0.65% $2,500 $2,500 $15.00 Yes 6 $0.15 $28.00 Yes $0.00 VIEW
Solvay Bank 315-468-1661 Basic Banking N/A $15 $0 $3.00 Yes 8 $0.50 $28.00 Yes $2.95 VIEW
Solvay Bank 315-468-1661 High Interest Checking 0.50% - 2.75% $15 $0 $0.00 Yes All N/A $28.00 Yes $2.95 VIEW
Solvay Bank 315-468-1661 Free Tunes Checking N/A $15 $0 $0.00 Yes All N/A $28.00 Yes $0.00 VIEW
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INSTITUTION PHONE ACCT NAME INT YIELD MIN TO OPEN MIN TO AVOID FEES MONTHLY SERVICE FEE CHECK RETURN WITH STMNT # FREE ITEMS PER ITEM FEE NSF FEE OVERDRAFT PROTECTION ONLINE BILL PYT FEE NOTES
Astoria Federal Savings 800-278-6742 Easy Checking N/A $100 $0 $0.00 Yes All N/A $25.00 No $0.00 VIEW
Astoria Federal Savings 800-278-6742 Express Checking N/A $100 $1,000 $0.00 - $10.00 Yes All N/A $25.00 Yes $0.00 VIEW
Astoria Federal Savings 800-278-6742 Ultra Checking 0.10% $100 $2,500 $0.00 - $10.00 Yes All N/A $25.00 Yes $0.00 VIEW
Astoria Federal Savings 800-278-6742 Gold Checking 0.10% $100 $500 $0.00 - $10.00 Yes All N/A $25.00 Yes $0.00 VIEW
Bank of America 800-432-1000 MyAccess Checking N/A $25 $1,500 $12.00 Yes All N/A $35.00 Yes $0.00 VIEW
Bank of America 800-432-1000 Advantage with Tiered Interest Checking 0.05% - 0.10% $100 $10,000 $25.00 Yes All N/A $35.00 Yes $0.00 VIEW
Bank of America 800-432-1000 eBanking N/A $25 $0 $0.00 - $8.95 Yes All N/A $35.00 Yes $0.00 VIEW
Capital One Bank 800-655-2265 Rewards Checking N/A $50 $0 $0.00 Yes All N/A $35.00 Yes $0.00 VIEW
Capital One Bank 800-655-2265 SmartCents Checking N/A $50 $0 $0.00 Yes All N/A $35.00 Yes $0.00 VIEW
Capital One Bank 800-655-2265 Interest Checking 0.05% - 0.70% $50 $0 $0.00 Yes All N/A $35.00 Yes $0.00 VIEW
Citibank NA 800-374-9500 Citibank Account 0.01% $100 $6,000 $20.00 Yes All N/A $34.00 Yes $0.00 VIEW
Citibank NA 800-374-9500 Citigold Interest Checking 0.10% $500 $100,000 $30.00 Yes All N/A $34.00 Yes $0.00 VIEW
Citibank NA 800-374-9500 Basic Checking N/A $0 $0 $0.00 - $8.00 Yes All N/A $34.00 Yes $0.00 VIEW
Emigrant Bank 888-364-4726 Regular Checking N/A $100 $2,500 $9.00 Yes All N/A $25.00 Yes $0.00 VIEW
Emigrant Bank 888-364-4726 Basic Checking N/A $25 $0 $3.00 Yes 12 See Note $25.00 Yes $0.00 VIEW
Emigrant Bank 888-364-4726 NOW Checking 0.25% $100 $2,500 $9.00 Yes All N/A $25.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Premiere Checking 0.01% $1 $100,000 $50.00 Yes All N/A $0.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Plus Checking 0.01% $1 $15,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Choice Checking N/A $1 $1,500 $8.00 Yes All N/A $35.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Basic Banking N/A $1 $0 $3.00 Yes 8 $0.35 $35.00 Yes $0.00 VIEW
JPMorgan Chase Bank 877-682-4273 Chase Premier Plus Checking 0.01% - 0.01% $25 $15,000 $25.00 Yes All N/A $34.00 Yes $0.00 VIEW
JPMorgan Chase Bank 877-682-4273 Chase Total Checking N/A $25 See Note $12.00 No All N/A $34.00 Yes $0.00 VIEW
JPMorgan Chase Bank 800-400-6828 Chase Premier Platinum Checking 0.01% - 0.01% $100 $75,000 $35.00 Yes All N/A $34.00 Yes $0.00 VIEW
JPMorgan Chase Bank 877-682-4273 College Checking N/A $25 See Note $6.00 No All N/A $34.00 Yes $0.00 VIEW
JPMorgan Chase Bank 877-682-4273 High School Checking N/A $25 See Note $6.00 No All N/A $34.00 Yes $0.00 VIEW
PNC Bank 800-762-2265 Free Checking N/A $25 $0 $0.00 Yes All N/A $36.00 Yes $0.00 VIEW
PNC Bank 800-762-2265 Performance Interest Checking 0.01% $25 $1,500 $10.00 Yes All N/A $36.00 Yes $0.00 VIEW
PNC Bank 800-762-2265 Performance Select Interest Checking 0.05% $25 $5,000 $25.00 Yes All N/A $36.00 Yes $0.00 VIEW
Roslyn Savings Bank - A Division of New York Community Bank 888-550-9888 My Community Free Checking N/A $1 $0 $0.00 Yes All N/A $36.00 Yes $0.00 VIEW
Roslyn Savings Bank - A Division of New York Community Bank 888-550-9888 My Community Interest Checking 0.50% $100 $0 $0.00 Yes All N/A $36.00 Yes $0.00 VIEW
Wachovia Bank - A Division of Wells Fargo Bank, NA 800-869-3557 Wells Fargo Value Checking N/A $100 $1,500 $5.00 Yes All N/A $15.00 Yes $0.00 VIEW
Wachovia Bank - A Division of Wells Fargo Bank, NA 800-869-3557 Wells Fargo College Checking N/A $100 $1,000 $10.00 Yes All N/A $15.00 Yes $0.00 VIEW
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INSTITUTION PHONE ACCT NAME INT YIELD MIN TO OPEN MIN TO AVOID FEES MONTHLY SERVICE FEE CHECK RETURN WITH STMNT # FREE ITEMS PER ITEM FEE NSF FEE OVERDRAFT PROTECTION ONLINE BILL PYT FEE NOTES
Astoria Federal Savings 800-278-6742 Easy Checking N/A $100 $0 $0.00 Yes All N/A $25.00 No $0.00 VIEW
Astoria Federal Savings 800-278-6742 Express Checking N/A $100 $1,000 $0.00 - $10.00 Yes All N/A $25.00 Yes $0.00 VIEW
Astoria Federal Savings 800-278-6742 Ultra Checking 0.10% $100 $2,500 $0.00 - $10.00 Yes All N/A $25.00 Yes $0.00 VIEW
Astoria Federal Savings 800-278-6742 Gold Checking 0.10% $100 $500 $0.00 - $10.00 Yes All N/A $25.00 Yes $0.00 VIEW
Bank of America 800-432-1000 MyAccess Checking N/A $25 $1,500 $12.00 Yes All N/A $35.00 Yes $0.00 VIEW
Bank of America 800-432-1000 Advantage with Tiered Interest Checking 0.05% - 0.10% $100 $10,000 $25.00 Yes All N/A $35.00 Yes $0.00 VIEW
Bank of America 800-432-1000 eBanking N/A $25 $0 $0.00 - $8.95 Yes All N/A $35.00 Yes $0.00 VIEW
Capital One Bank 800-655-2265 Rewards Checking N/A $50 $0 $0.00 Yes All N/A $35.00 Yes $0.00 VIEW
Capital One Bank 800-655-2265 SmartCents Checking N/A $50 $0 $0.00 Yes All N/A $35.00 Yes $0.00 VIEW
Capital One Bank 800-655-2265 Interest Checking 0.05% - 0.70% $50 $0 $0.00 Yes All N/A $35.00 Yes $0.00 VIEW
Citibank NA 800-374-9500 Citibank Account 0.01% $100 $6,000 $20.00 Yes All N/A $34.00 Yes $0.00 VIEW
Citibank NA 800-374-9500 Citigold Interest Checking 0.10% $500 $100,000 $30.00 Yes All N/A $34.00 Yes $0.00 VIEW
Citibank NA 800-374-9500 Basic Checking N/A $0 $0 $0.00 - $8.00 Yes All N/A $34.00 Yes $0.00 VIEW
Emigrant Bank 888-364-4726 Regular Checking N/A $100 $2,500 $9.00 Yes All N/A $25.00 Yes $0.00 VIEW
Emigrant Bank 888-364-4726 Basic Checking N/A $25 $0 $3.00 Yes 12 See Note $25.00 Yes $0.00 VIEW
Emigrant Bank 888-364-4726 NOW Checking 0.25% $100 $2,500 $9.00 Yes All N/A $25.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Premiere Checking 0.01% $1 $100,000 $50.00 Yes All N/A $0.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Plus Checking 0.01% $1 $15,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Choice Checking N/A $1 $1,500 $8.00 Yes All N/A $35.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Basic Banking N/A $1 $0 $3.00 Yes 8 $0.35 $35.00 Yes $0.00 VIEW
JPMorgan Chase Bank 877-682-4273 Chase Premier Plus Checking 0.01% - 0.01% $25 $15,000 $25.00 Yes All N/A $34.00 Yes $0.00 VIEW
JPMorgan Chase Bank 877-682-4273 Chase Total Checking N/A $25 See Note $12.00 No All N/A $34.00 Yes $0.00 VIEW
JPMorgan Chase Bank 800-400-6828 Chase Premier Platinum Checking 0.01% - 0.01% $100 $75,000 $35.00 Yes All N/A $34.00 Yes $0.00 VIEW
JPMorgan Chase Bank 877-682-4273 College Checking N/A $25 See Note $6.00 No All N/A $34.00 Yes $0.00 VIEW
JPMorgan Chase Bank 877-682-4273 High School Checking N/A $25 See Note $6.00 No All N/A $34.00 Yes $0.00 VIEW
New York Community Bank 516-683-4408 My Community Free Checking N/A $1 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
New York Community Bank 516-683-4408 My Community Interest Checking 0.50% $100 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
New York Community Bank 516-683-4408 Student Checking N/A $1 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
New York Community Bank 516-683-4408 My Community 50+ Checking N/A $1 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
PNC Bank 800-762-2265 Free Checking N/A $25 $0 $0.00 Yes All N/A $36.00 Yes $0.00 VIEW
PNC Bank 800-762-2265 Performance Interest Checking 0.01% $25 $1,500 $10.00 Yes All N/A $36.00 Yes $0.00 VIEW
PNC Bank 800-762-2265 Performance Select Interest Checking 0.05% $25 $5,000 $25.00 Yes All N/A $36.00 Yes $0.00 VIEW
Queens County Savings Bank - A Division of New York Community Bank 516-683-4408 My Community Free Checking N/A $1 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
Queens County Savings Bank - A Division of New York Community Bank 516-683-4408 My Community Interest Checking 0.50% $100 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
Queens County Savings Bank - A Division of New York Community Bank 516-683-4408 Student Checking N/A $1 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
Queens County Savings Bank - A Division of New York Community Bank 516-683-4408 My Community 50+ Checking N/A $1 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
Richmond County Savings Bank - A Division of New York Community Bank 516-683-4408 My Community Free Checking N/A $1 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
Richmond County Savings Bank - A Division of New York Community Bank 516-683-4408 My Community Interest Checking 0.50% $100 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
Richmond County Savings Bank - A Division of New York Community Bank 516-683-4408 Student Checking N/A $1 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
Richmond County Savings Bank - A Division of New York Community Bank 516-683-4408 My Community 50+ Checking N/A $1 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
Roosevelt Savings Bank - A Division of New York Community Bank 516-683-4408 My Community Free Checking N/A $1 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
Roosevelt Savings Bank - A Division of New York Community Bank 516-683-4408 My Community Interest Checking 0.50% $100 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
Roosevelt Savings Bank - A Division of New York Community Bank 516-683-4408 Student Checking N/A $1 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
Roosevelt Savings Bank - A Division of New York Community Bank 516-683-4408 My Community 50+ Checking N/A $1 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
Wachovia Bank - A Division of Wells Fargo Bank, NA 800-869-3557 Wells Fargo Value Checking N/A $100 $1,500 $5.00 Yes All N/A $15.00 Yes $0.00 VIEW
Wachovia Bank - A Division of Wells Fargo Bank, NA 800-869-3557 Wells Fargo College Checking N/A $100 $1,000 $10.00 Yes All N/A $15.00 Yes $0.00 VIEW
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INSTITUTION PHONE ACCT NAME INT YIELD MIN TO OPEN MIN TO AVOID FEES MONTHLY SERVICE FEE CHECK RETURN WITH STMNT # FREE ITEMS PER ITEM FEE NSF FEE OVERDRAFT PROTECTION ONLINE BILL PYT FEE NOTES
Bank of America 800-432-1000 MyAccess Checking N/A $25 $1,500 $12.00 Yes All N/A $35.00 Yes $0.00 VIEW
Bank of America 800-432-1000 Advantage with Tiered Interest Checking 0.05% - 0.10% $100 $10,000 $25.00 Yes All N/A $35.00 Yes $0.00 VIEW
Bank of America 800-432-1000 eBanking N/A $25 $0 $0.00 - $8.95 Yes All N/A $35.00 Yes $0.00 VIEW
Citibank NA 800-374-9500 Citibank Account 0.01% $100 $6,000 $20.00 Yes All N/A $34.00 Yes $0.00 VIEW
Citibank NA 800-374-9500 Citigold Interest Checking 0.10% $500 $100,000 $30.00 Yes All N/A $34.00 Yes $0.00 VIEW
Citibank NA 800-374-9500 Basic Checking N/A $0 $0 $0.00 - $8.00 Yes All N/A $34.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Green Checking N/A $50 $1,500 $4.99 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Student Money Bundle N/A $10 $0 $3.99 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Circle Gold Checking with Interest 0.05% $250 $20,000 $20.00 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Circle Checking with Interest 0.03% $100 $7,500 $15.00 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Personal Checking with Interest 0.03% $50 $2,500 $9.99 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Circle Checking N/A $100 $5,000 $15.00 Yes All N/A $22.00 Yes $0.00 VIEW
E-ssentials 800-724-2621 E-ssentials N/A $1 $0 $0.00 - $6.00 Yes 15 $0.50 $32.00 Yes $0.00 VIEW
E-ssentials 800-724-2621 Advantage Checking 0.07% $1 $3,500 $0.00 - $12.00 Yes All N/A $32.00 Yes $0.00 VIEW
E-ssentials 800-724-2621 Optimum Checking 0.10% $1 $20,000 $0.00 - $15.00 Yes All N/A $32.00 Yes $0.00 VIEW
E-ssentials 800-724-2621 Traditional Checking N/A $500 $500 $0.00 - $8.00 Yes All N/A $32.00 Yes $0.00 VIEW
E-ssentials 800-724-2621 Traditional Plus 0.05% $1 $1,000 $0.00 - $8.00 Yes All N/A $32.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Value Bundle N/A $50 $0 $0.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Value Checking N/A $50 $0 $0.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Preferred Bundle 0.05% $50 $5,000 $10.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Preferred Checking 0.05% $50 $5,000 $10.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Prestige Bundle 0.05% - 0.20% $50 $25,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Prestige Checking 0.05% - 0.20% $50 $25,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 E-Checking N/A $50 $0 $0.00 Yes 5 $0.50 $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Choice Checking N/A $50 $300 $7.50 Yes 5 $0.50 $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Pinnacle Checking 0.05% - 0.15% $50 $1,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 PinnaclePlus Checking 0.05% - 0.20% $500 $5,000 $25.00 Yes All N/A $35.00 Yes $0.00 VIEW
Five Star Bank 877-226-5578 Totally Free N/A $25 $0 $0.00 No All N/A $35.00 No $0.00  
Five Star Bank 877-226-5578 Standard N/A $25 $500 $0.00 - $6.00 Yes All N/A $35.00 No $0.00 VIEW
Five Star Bank 877-226-5578 NOW Interest 0.05% $25 $1,000 $0.00 - $7.00 Yes All N/A $35.00 Yes $0.00  
Five Star Bank 877-226-5578 Premier Checking 0.05% $25 $0 $6.00 Yes All N/A $35.00 Yes $0.00  
Five Star Bank 877-226-5578 Relationship Silver 0.05% - 0.10% $25 $15,000 $0.00 - $10.00 Yes All N/A $35.00 Yes $0.00 VIEW
Five Star Bank 877-226-5578 Relationship Gold 0.05% - 0.15% $25 $25,000 $0.00 - $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
Five Star Bank 877-226-5578 Basic Banking N/A $25 $0 $3.00 Yes 8 $0.50 $35.00 No $0.00  
Genesee Regional Bank 585-249-1540 Basic Checking N/A $25 $0 $3.00 Yes 8 $0.50 $30.00 Yes $0.00  
Genesee Regional Bank 585-249-1540 Regular Checking N/A $25 $500 $5.00 Yes All N/A $30.00 Yes $0.00 VIEW
Genesee Regional Bank 585-249-1540 NOW Account 0.20% $25 $1,000 $7.00 Yes All N/A $30.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Premiere Checking 0.01% $1 $100,000 $50.00 Yes All N/A $0.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Plus Checking 0.01% $1 $15,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Choice Checking N/A $1 $1,500 $8.00 Yes All N/A $35.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Basic Banking N/A $1 $0 $3.00 Yes 8 $0.35 $35.00 Yes $0.00 VIEW
JPMorgan Chase Bank 877-682-4273 Chase Premier Plus Checking 0.01% - 0.01% $25 $15,000 $25.00 Yes All N/A $34.00 Yes $0.00 VIEW
JPMorgan Chase Bank 877-682-4273 Chase Total Checking N/A $25 See Note $12.00 No All N/A $34.00 Yes $0.00 VIEW
JPMorgan Chase Bank 800-400-6828 Chase Premier Platinum Checking 0.01% - 0.01% $100 $75,000 $35.00 Yes All N/A $34.00 Yes $0.00 VIEW
JPMorgan Chase Bank 877-682-4273 College Checking N/A $25 See Note $6.00 No All N/A $34.00 Yes $0.00 VIEW
JPMorgan Chase Bank 877-682-4273 High School Checking N/A $25 See Note $6.00 No All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Express Checking N/A $50 See Note $5.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Student N/A $50 See Note $5.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Advantage 0.04% - 0.05% $50 $10,000 $15.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Privilege 0.25% - 0.30% $50 $25,000 $25.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Privilege Select 0.30% - 0.45% $50 $100,000 $25.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Coverage Checking N/A $50 $0 $10.00 Yes All N/A $0.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Checkless Access N/A $0 $0 $0.00 No All N/A $34.00 No $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 Power Checking 0.05% - 0.20% $25 $50,000 $24.00 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 M&T Select Checking with Interest 0.01% $25 $5,000 $14.00 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 MYChoice Checking N/A $25 $500 $6.95 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 M&T Classic Checking with Interest 0.01% $25 $500 $4.95 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 College Checking N/A $0 $0 $0.00 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 Basic Banking N/A $25 $0 $3.00 Yes 8 $1.00 $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 M&T Totally Free Checking N/A $25 $0 $0.00 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 M&T Select Checking N/A $25 $5,000 $14.00 Yes All N/A $0.00 Yes $0.00 VIEW
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INSTITUTION PHONE ACCT NAME INT YIELD MIN TO OPEN MIN TO AVOID FEES MONTHLY SERVICE FEE CHECK RETURN WITH STMNT # FREE ITEMS PER ITEM FEE NSF FEE OVERDRAFT PROTECTION ONLINE BILL PYT FEE NOTES
Bank of America 800-432-1000 MyAccess Checking N/A $25 $1,500 $12.00 Yes All N/A $35.00 Yes $0.00 VIEW
Bank of America 800-432-1000 Advantage with Tiered Interest Checking 0.05% - 0.10% $100 $10,000 $25.00 Yes All N/A $35.00 Yes $0.00 VIEW
Bank of America 800-432-1000 eBanking N/A $25 $0 $0.00 - $8.95 Yes All N/A $35.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Green Checking N/A $50 $1,500 $4.99 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Student Money Bundle N/A $10 $0 $3.99 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Circle Gold Checking with Interest 0.05% $250 $20,000 $20.00 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Circle Checking with Interest 0.03% $100 $7,500 $15.00 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Personal Checking with Interest 0.03% $50 $2,500 $9.99 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Circle Checking N/A $100 $5,000 $15.00 Yes All N/A $22.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Premiere Checking 0.01% $1 $100,000 $50.00 Yes All N/A $0.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Plus Checking 0.01% $1 $15,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Choice Checking N/A $1 $1,500 $8.00 Yes All N/A $35.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Basic Banking N/A $1 $0 $3.00 Yes 8 $0.35 $35.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Express Checking N/A $50 See Note $5.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Student N/A $50 See Note $5.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Advantage 0.04% - 0.05% $50 $10,000 $15.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Privilege 0.25% - 0.30% $50 $25,000 $25.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Privilege Select 0.30% - 0.45% $50 $100,000 $25.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Coverage Checking N/A $50 $0 $10.00 Yes All N/A $0.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Checkless Access N/A $0 $0 $0.00 No All N/A $34.00 No $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 Power Checking 0.05% - 0.20% $25 $50,000 $24.00 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 M&T Select Checking with Interest 0.01% $25 $5,000 $14.00 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 MYChoice Checking N/A $25 $500 $6.95 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 M&T Classic Checking with Interest 0.01% $25 $500 $4.95 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 College Checking N/A $0 $0 $0.00 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 Basic Banking N/A $25 $0 $3.00 Yes 8 $1.00 $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 M&T Totally Free Checking N/A $25 $0 $0.00 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 M&T Select Checking N/A $25 $5,000 $14.00 Yes All N/A $0.00 Yes $0.00 VIEW
Provident Bank 845-369-8551 EZ Checking N/A $25 $0 $5.00 Yes 15 $0.50 $30.00 Yes $0.00 VIEW
Provident Bank 845-369-8551 Pro Checking N/A $100 $1,000 $10.00 Yes All N/A $30.00 Yes $0.00 VIEW
Provident Bank 845-369-8551 Interest Checking 0.10% $25 $1,500 $12.00 Yes All N/A $30.00 Yes $0.00 VIEW
Provident Bank 845-369-8551 50+ Checking with Interest 0.10% $100 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
Provident Bank 845-369-8551 Free College Checking N/A $25 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
Provident Bank 845-369-8551 Internet Checking N/A $25 $0 $0.00 - $10.00 Yes All N/A $30.00 Yes $0.00 VIEW
Provident Bank 845-369-8551 Bank at Work Checking N/A $25 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
Provident Bank 845-369-8551 Free High School Checking N/A $25 $0 $0.00 Yes All N/A $30.00 No $0.00 VIEW
Provident Bank 845-369-8551 Free Volunteer & Military Checking N/A $50 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
Rhinebeck Savings Bank 800-772-8760 Basic Banking N/A $25 $1,000 $3.00 Yes 8 $0.25 $26.52 Yes $2.75 VIEW
Rhinebeck Savings Bank 800-772-8760 Priority Classic N/A $100 $1,000 $8.25 Yes 50 $0.25 $26.52 Yes $2.75 VIEW
Rhinebeck Savings Bank 800-772-8760 Priority Select 0.05% - 0.40% $100 $2,500 $10.40 Yes 100 $0.25 $26.52 Yes $0.00 VIEW
Rhinebeck Savings Bank 800-772-8760 Priority Direct N/A $25 $0 $8.25 Yes All N/A $26.52 Yes $0.00 VIEW
Rhinebeck Savings Bank 800-772-8760 Priority Elite 0.10% - 0.50% $1,000 $10,000 $20.25 Yes 200 $0.25 $26.52 Yes $0.00 VIEW
TD Bank 888-751-9000 Simple Checking N/A $0 $0 $3.99 Yes 8 $0.50 $35.00 Yes $0.00 VIEW
TD Bank 888-751-9000 60 Plus Checking 0.05% $250 $100 $10.00 Yes All N/A $35.00 Yes $0.00 VIEW
TD Bank 888-751-9000 Convenience Checking N/A $100 See Note $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
TD Bank 888-751-9000 Premier Checking 0.00% - 0.30% $2,500 $2,500 $25.00 Yes All N/A $35.00 Yes $0.00 VIEW
TD Bank 888-751-9000 Student Checking N/A $0 $0 $0.00 Yes All N/A $35.00 Yes $0.00 VIEW
TD Bank 888-751-9000 Relationship Checking 0.05% $20,000 $20,000 $25.00 Yes All N/A $35.00 Yes $0.00 VIEW
Wachovia Bank - A Division of Wells Fargo Bank, NA 800-869-3557 Wells Fargo Value Checking N/A $100 $1,500 $5.00 Yes All N/A $15.00 Yes $0.00 VIEW
Wachovia Bank - A Division of Wells Fargo Bank, NA 800-869-3557 Wells Fargo College Checking N/A $100 $1,000 $10.00 Yes All N/A $15.00 Yes $0.00 VIEW
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INSTITUTION PHONE ACCT NAME INT YIELD MIN TO OPEN MIN TO AVOID FEES MONTHLY SERVICE FEE CHECK RETURN WITH STMNT # FREE ITEMS PER ITEM FEE NSF FEE OVERDRAFT PROTECTION ONLINE BILL PYT FEE NOTES
Bank of America 800-432-1000 MyAccess Checking N/A $25 $1,500 $12.00 Yes All N/A $35.00 Yes $0.00 VIEW
Bank of America 800-432-1000 Advantage with Tiered Interest Checking 0.05% - 0.10% $100 $10,000 $25.00 Yes All N/A $35.00 Yes $0.00 VIEW
Bank of America 800-432-1000 eBanking N/A $25 $0 $0.00 - $8.95 Yes All N/A $35.00 Yes $0.00 VIEW
Citibank NA 800-374-9500 Citibank Account 0.01% $100 $6,000 $20.00 Yes All N/A $34.00 Yes $0.00 VIEW
Citibank NA 800-374-9500 Citigold Interest Checking 0.10% $500 $100,000 $30.00 Yes All N/A $34.00 Yes $0.00 VIEW
Citibank NA 800-374-9500 Basic Checking N/A $0 $0 $0.00 - $8.00 Yes All N/A $34.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Green Checking N/A $50 $1,500 $4.99 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Student Money Bundle N/A $10 $0 $3.99 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Circle Gold Checking with Interest 0.05% $250 $20,000 $20.00 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Circle Checking with Interest 0.03% $100 $7,500 $15.00 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Personal Checking with Interest 0.03% $50 $2,500 $9.99 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Circle Checking N/A $100 $5,000 $15.00 Yes All N/A $22.00 Yes $0.00 VIEW
Community Bank 800-388-4679 Completely Free N/A $50 $0 $0.00 Yes All N/A $32.00 Yes $0.00  
Community Bank 800-388-4679 50 & Better Interest Checking 0.10% $50 $0 $0.00 Yes All N/A $32.00 Yes $0.00  
Community Bank 800-388-4679 VIP Free Interest Checking 0.10% $50 $0 $0.00 Yes All N/A $32.00 Yes $0.00  
Community Bank 800-388-4679 Wall Street Checking 0.20% $50 $1,000 $8.00 Yes All N/A $32.00 Yes $0.00 VIEW
Evans Bank, NA 716-819-9000 Simply NOW 0.20% $25 $2,500 $0.00 No All N/A $33.00 Yes $0.00 VIEW
Evans Bank, NA 866-310-0763 Better Checking 0.10% - 3.00% $25 $0 $0.00 No All N/A $33.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Value Bundle N/A $50 $0 $0.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Value Checking N/A $50 $0 $0.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Preferred Bundle 0.05% $50 $5,000 $10.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Preferred Checking 0.05% $50 $5,000 $10.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Prestige Bundle 0.05% - 0.20% $50 $25,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Prestige Checking 0.05% - 0.20% $50 $25,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 E-Checking N/A $50 $0 $0.00 Yes 5 $0.50 $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Choice Checking N/A $50 $300 $7.50 Yes 5 $0.50 $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Pinnacle Checking 0.05% - 0.15% $50 $1,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 PinnaclePlus Checking 0.05% - 0.20% $500 $5,000 $25.00 Yes All N/A $35.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Premiere Checking 0.01% $1 $100,000 $50.00 Yes All N/A $0.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Plus Checking 0.01% $1 $15,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Choice Checking N/A $1 $1,500 $8.00 Yes All N/A $35.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Basic Banking N/A $1 $0 $3.00 Yes 8 $0.35 $35.00 Yes $0.00 VIEW
JPMorgan Chase Bank 877-682-4273 Chase Premier Plus Checking 0.01% - 0.01% $25 $15,000 $25.00 Yes All N/A $34.00 Yes $0.00 VIEW
JPMorgan Chase Bank 877-682-4273 Chase Total Checking N/A $25 See Note $12.00 No All N/A $34.00 Yes $0.00 VIEW
JPMorgan Chase Bank 800-400-6828 Chase Premier Platinum Checking 0.01% - 0.01% $100 $75,000 $35.00 Yes All N/A $34.00 Yes $0.00 VIEW
JPMorgan Chase Bank 877-682-4273 College Checking N/A $25 See Note $6.00 No All N/A $34.00 Yes $0.00 VIEW
JPMorgan Chase Bank 877-682-4273 High School Checking N/A $25 See Note $6.00 No All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Express Checking N/A $50 See Note $5.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Student N/A $50 See Note $5.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Advantage 0.04% - 0.05% $50 $10,000 $15.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Privilege 0.25% - 0.30% $50 $25,000 $25.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Privilege Select 0.30% - 0.45% $50 $100,000 $25.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Coverage Checking N/A $50 $0 $10.00 Yes All N/A $0.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Checkless Access N/A $0 $0 $0.00 No All N/A $34.00 No $0.00 VIEW
Lake Shore Savings 716-366-4070 Free and Easy Checking N/A $10 $0 $0.00 Yes 50 $0.40 $32.00 Yes $0.00 VIEW
Lake Shore Savings 716-366-4070 Smart Account (NOW) 0.10% - 0.15% $10 $500 $8.00 Yes 50 $0.40 $32.00 Yes $0.00 VIEW
Lake Shore Savings 716-366-4070 Money Market 0.20% - 0.40% $10 $0 $0.00 Yes See note N/A $32.00 Yes $0.00 VIEW
Lake Shore Savings 716-366-4070 Student Account N/A $10 $0 $0.00 Yes All N/A $32.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 Power Checking 0.05% - 0.20% $25 $50,000 $24.00 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 M&T Select Checking with Interest 0.01% $25 $5,000 $14.00 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 MYChoice Checking N/A $25 $500 $6.95 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 M&T Classic Checking with Interest 0.01% $25 $500 $4.95 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 College Checking N/A $0 $0 $0.00 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 Basic Banking N/A $25 $0 $3.00 Yes 8 $1.00 $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 M&T Totally Free Checking N/A $25 $0 $0.00 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 M&T Select Checking N/A $25 $5,000 $14.00 Yes All N/A $0.00 Yes $0.00 VIEW
Northwest Savings Bank (Jamestown Savings Bank) 877-672-5678 Free Checking N/A $100 $0 $0.00 Yes All N/A $31.00 Yes See Note VIEW
Northwest Savings Bank (Jamestown Savings Bank) 877-672-5678 Interest Checking 0.10% $100 $500 $5.00 Yes All N/A $31.00 Yes See Note VIEW
Northwest Savings Bank (Jamestown Savings Bank) 877-672-5678 Go! Rewards Checking N/A $100 $0 $0.00 Yes All N/A $31.00 Yes See Note VIEW
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INSTITUTION PHONE ACCT NAME INT YIELD MIN TO OPEN MIN TO AVOID FEES MONTHLY SERVICE FEE CHECK RETURN WITH STMNT # FREE ITEMS PER ITEM FEE NSF FEE OVERDRAFT PROTECTION ONLINE BILL PYT FEE NOTES
Bank of America 800-432-1000 MyAccess Checking N/A $25 $1,500 $12.00 Yes All N/A $35.00 Yes $0.00 VIEW
Bank of America 800-432-1000 Advantage with Tiered Interest Checking 0.05% - 0.10% $100 $10,000 $25.00 Yes All N/A $35.00 Yes $0.00 VIEW
Bank of America 800-432-1000 eBanking N/A $25 $0 $0.00 - $8.95 Yes All N/A $35.00 Yes $0.00 VIEW
Chemung Canal Trust Co 800-836-3711 Liberty Club Checking N/A $25 $0 $6.00 - $8.00 Yes All N/A $30.00 Yes $0.00 VIEW
Chemung Canal Trust Co 800-836-3711 Free Checking N/A $25 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
Chemung Canal Trust Co 800-836-3711 Global Checking N/A $25 See Note $10.00 Yes All N/A $30.00 Yes $0.00 VIEW
Chemung Canal Trust Co 800-836-3711 49 Forever Checking N/A $25 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
Chemung Canal Trust Co 800-836-3711 NOW Account 0.05% $1,000 $1,000 $5.00 Yes 10 $0.20 $30.00 Yes $0.00 VIEW
Chemung Canal Trust Co 800-836-3711 Money Market 0.15% $2,500 $0 $0.00 Yes See note N/A $30.00 Yes $0.00 VIEW
Chemung Canal Trust Co 800-836-3711 Prestige Money Market 0.25% $25,000 $0 $0.00 Yes See note N/A $30.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Green Checking N/A $50 $1,500 $4.99 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Student Money Bundle N/A $10 $0 $3.99 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Circle Gold Checking with Interest 0.05% $250 $20,000 $20.00 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Circle Checking with Interest 0.03% $100 $7,500 $15.00 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Personal Checking with Interest 0.03% $50 $2,500 $9.99 Yes All N/A $22.00 Yes $0.00 VIEW
Citizens Bank 877-360-2472 Circle Checking N/A $100 $5,000 $15.00 Yes All N/A $22.00 Yes $0.00 VIEW
Community Bank 800-388-4679 Completely Free N/A $50 $0 $0.00 Yes All N/A $32.00 Yes $0.00  
Community Bank 800-388-4679 50 & Better Interest Checking 0.10% $50 $0 $0.00 Yes All N/A $32.00 Yes $0.00  
Community Bank 800-388-4679 VIP Free Interest Checking 0.10% $50 $0 $0.00 Yes All N/A $32.00 Yes $0.00  
Community Bank 800-388-4679 Wall Street Checking 0.20% $50 $1,000 $8.00 Yes All N/A $32.00 Yes $0.00 VIEW
First Natl Bank of Dryden 607-844-8141 NOW Checking 0.10% $25 $300 $3.00 Yes See note $0.20 $30.00 Yes $4.95 VIEW
First Natl Bank of Dryden 607-844-8141 Regular Checking N/A $25 $300 $3.00 Yes See note $0.20 $30.00 Yes $4.95 VIEW
First Natl Bank of Dryden 607-844-8141 Regular Checking Direct Deposit N/A $25 $300 $3.00 Yes All N/A $30.00 Yes $4.95 VIEW
First Natl Bank of Dryden 607-844-8141 Liberty Plan (Senior) N/A $25 $300 $0.00 Yes All N/A $30.00 Yes $4.95 VIEW
First Natl Bank of Dryden 607-844-8141 Money Market Checking 0.25% - 0.75% $1,000 $5,000 $3.00 Yes See note N/A $30.00 Yes $4.95 VIEW
First Natl Bank of Groton 607-898-5871 Basic Checking N/A $1 $300 $3.00 Yes See note $0.20 $30.00 Yes $2.95 VIEW
First Natl Bank of Groton 607-898-5871 Senior Checking N/A $1 $0 $0.00 Yes All N/A $30.00 Yes $2.95 VIEW
First Natl Bank of Groton 607-898-5871 Money Market Checking 0.20% - 0.40% $1 $1,000 $5.00 Yes See note $0.20 $30.00 Yes $2.95 VIEW
First Niagara Bank 800-421-0004 Value Bundle N/A $50 $0 $0.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Value Checking N/A $50 $0 $0.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Preferred Bundle 0.05% $50 $5,000 $10.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Preferred Checking 0.05% $50 $5,000 $10.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Prestige Bundle 0.05% - 0.20% $50 $25,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Prestige Checking 0.05% - 0.20% $50 $25,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 E-Checking N/A $50 $0 $0.00 Yes 5 $0.50 $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Choice Checking N/A $50 $300 $7.50 Yes 5 $0.50 $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 Pinnacle Checking 0.05% - 0.15% $50 $1,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
First Niagara Bank 800-421-0004 PinnaclePlus Checking 0.05% - 0.20% $500 $5,000 $25.00 Yes All N/A $35.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Premiere Checking 0.01% $1 $100,000 $50.00 Yes All N/A $0.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Plus Checking 0.01% $1 $15,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Choice Checking N/A $1 $1,500 $8.00 Yes All N/A $35.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Basic Banking N/A $1 $0 $3.00 Yes 8 $0.35 $35.00 Yes $0.00 VIEW
JPMorgan Chase Bank 877-682-4273 Chase Premier Plus Checking 0.01% - 0.01% $25 $15,000 $25.00 Yes All N/A $34.00 Yes $0.00 VIEW
JPMorgan Chase Bank 877-682-4273 Chase Total Checking N/A $25 See Note $12.00 No All N/A $34.00 Yes $0.00 VIEW
JPMorgan Chase Bank 800-400-6828 Chase Premier Platinum Checking 0.01% - 0.01% $100 $75,000 $35.00 Yes All N/A $34.00 Yes $0.00 VIEW
JPMorgan Chase Bank 877-682-4273 College Checking N/A $25 See Note $6.00 No All N/A $34.00 Yes $0.00 VIEW
JPMorgan Chase Bank 877-682-4273 High School Checking N/A $25 See Note $6.00 No All N/A $34.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 Power Checking 0.05% - 0.20% $25 $50,000 $24.00 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 M&T Select Checking with Interest 0.01% $25 $5,000 $14.00 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 MYChoice Checking N/A $25 $500 $6.95 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 M&T Classic Checking with Interest 0.01% $25 $500 $4.95 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 College Checking N/A $0 $0 $0.00 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 Basic Banking N/A $25 $0 $3.00 Yes 8 $1.00 $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 M&T Totally Free Checking N/A $25 $0 $0.00 Yes All N/A $0.00 Yes $0.00 VIEW
M&T Bank (Manufacturers and Traders Trust Co) 800-724-2440 M&T Select Checking N/A $25 $5,000 $14.00 Yes All N/A $0.00 Yes $0.00 VIEW
NBT Bank 800-628-2265 Classic Premium N/A $0 $0 $5.00 Yes All N/A $25.00 Yes $2.50 VIEW
NBT Bank 800-628-2265 Classic Interest Checking 0.03% - 0.05% $0 $0 $6.00 Yes All N/A $25.00 Yes $4.50 VIEW
NBT Bank 800-628-2265 Classic Checking N/A $0 $500 $0.00 Yes All N/A $25.00 Yes $4.50 VIEW
NBT Bank 800-628-2265 Interest Premium Checking 0.03% - 0.05% $0 $0 $5.00 Yes All N/A $25.00 Yes $2.50 VIEW
NBT Bank 800-628-2265 Star Privilege Premium Plan N/A $5,000 $5,000 $14.50 Yes All N/A $25.00 Yes $0.00 VIEW
Peoples Neighborhood Bank 607-721-8830 Freedom Account N/A $25 $0 $0.00 Yes All N/A $30.00 Yes $0.00  
Peoples Neighborhood Bank 607-721-8830 Club Account N/A $50 $0 $6.00 - $8.00 Yes All N/A $30.00 Yes $0.00 VIEW
Peoples Neighborhood Bank 607-721-8830 People's Package Account 0.15% See Note $5,000 $10.00 Yes All N/A $30.00 Yes $0.00 VIEW
Peoples Neighborhood Bank 607-721-8830 Regular NOW 0.10% $1,000 $1,000 $5.00 Yes All N/A $30.00 Yes $0.00 VIEW
Peoples Neighborhood Bank 607-721-8830 Personal Money Market 0.15% - 0.90% $2,500 $2,500 $5.00 Yes See note N/A $30.00 Yes $0.00 VIEW
Tioga State Bank 888-303-4872 Rewards Checking 0.25% - 2.00% $25 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
Tioga State Bank 888-303-4872 Free Checking N/A $25 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
Tioga State Bank 888-303-4872 Interest Checking 0.05% $2,500 $2,500 $25.00 Yes All N/A $30.00 Yes $0.00 VIEW
Tompkins Trust Company 607-273-3210 Welcome Checking N/A $50 $0 $0.00 Yes All N/A $35.00 Yes $0.00  
Tompkins Trust Company 607-273-3210 Select Checking Plus 0.08% $50 $1,000 $3.00 Yes All N/A $35.00 Yes $0.00  
Tompkins Trust Company 607-273-3210 Student Checking N/A $50 $0 $0.00 Yes All N/A $35.00 Yes $0.00 VIEW
Tompkins Trust Company 607-273-3210 True Advantage N/A $50 $10,000 $12.00 Yes All N/A $35.00 Yes $0.00 VIEW
Tompkins Trust Company 607-273-3210 True Advantage Plus 0.08% - 0.30% $50 $15,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
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INSTITUTION PHONE ACCT NAME INT YIELD MIN TO OPEN MIN TO AVOID FEES MONTHLY SERVICE FEE CHECK RETURN WITH STMNT # FREE ITEMS PER ITEM FEE NSF FEE OVERDRAFT PROTECTION ONLINE BILL PYT FEE NOTES
Carthage Fedl Svgs & Ln Assoc 800-232-0450 Totally Free N/A $25 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
Carthage Fedl Svgs & Ln Assoc 800-232-0450 VIP Free Interest Checking 0.10% $25 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
Carthage Fedl Svgs & Ln Assoc 800-232-0450 50 + Free Interest 0.10% $25 $0 $0.00 Yes All N/A $30.00 Yes $0.00 VIEW
Carthage Fedl Svgs & Ln Assoc 800-232-0450 High Interest Checking 0.10% - 2.05% $25 $2,500 $8.00 Yes All N/A $30.00 Yes $0.00 VIEW
Community Bank 800-388-4679 Completely Free N/A $50 $0 $0.00 Yes All N/A $32.00 Yes $0.00  
Community Bank 800-388-4679 50 & Better Interest Checking 0.10% $50 $0 $0.00 Yes All N/A $32.00 Yes $0.00  
Community Bank 800-388-4679 VIP Free Interest Checking 0.10% $50 $0 $0.00 Yes All N/A $32.00 Yes $0.00  
Community Bank 800-388-4679 Wall Street Checking 0.20% $50 $1,000 $8.00 Yes All N/A $32.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Premiere Checking 0.01% $1 $100,000 $50.00 Yes All N/A $0.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Plus Checking 0.01% $1 $15,000 $15.00 Yes All N/A $35.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Choice Checking N/A $1 $1,500 $8.00 Yes All N/A $35.00 Yes $0.00 VIEW
HSBC Bank USA NA 800-975-4722 Basic Banking N/A $1 $0 $3.00 Yes 8 $0.35 $35.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Express Checking N/A $50 See Note $5.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Student N/A $50 See Note $5.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Advantage 0.04% - 0.05% $50 $10,000 $15.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Privilege 0.25% - 0.30% $50 $25,000 $25.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Privilege Select 0.30% - 0.45% $50 $100,000 $25.00 Yes All N/A $34.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Coverage Checking N/A $50 $0 $10.00 Yes All N/A $0.00 Yes $0.00 VIEW
KeyBank 800-539-1539 Key Checkless Access N/A $0 $0 $0.00 No All N/A $34.00 No $0.00 VIEW
Watertown Savings Bank 315-788-7100 Basic Banking Checking Account N/A $25 $0 $0.00 No All N/A $25.00 No $0.00 VIEW
Watertown Savings Bank 315-788-7100 Checking Account N/A $100 $0 $0.00 No All N/A $25.00 No $0.00 VIEW
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