North Country Checking Account Notes


Carthage Fedl Svgs & Ln Assoc

  • Totally Free Checking: Receive $0.10 per signature based debit card transaction from Carthage Federal Savings & Loan. Optional Overdraft Protection plans available, such as a link to a savings account and an overdraft Line of Credit.
  • VIP Free Interest Checking: Direct Deposit or Automatic Payment required for this account. Check images available upon request. Receive $0.10 per signature based debit card transaction from Carthage Federal Savings & Loan. Optional Overdraft Protection plans available, such as a link to a savings account and an overdraft Line of Credit.
  • 50 Plus Free Interest: Minimum age requirement is 50. Receive $0.10 per signature based debit card transaction from Carthage Federal. Optional Overdraft Protection plans available, such as a link to a savings account and an overdraft Line of Credit.
  • High Interest Checking: Higher interest rates paid on balances between $2,500 and $25,000. Monthly service fee waived on balances over $2,500. Receive $0.10 per signature based debit card transaction from Carthage Federal. Optional Overdraft Protection plans available, such as a link to a savings account and an overdraft Line of Credit.

Community Bank

  • Completely Free: $32 for each non-sufficient fund or overdraft item, or $25 each time you draw on unavailable funds (limited to 4 fees per day). Additionally, there is a $5 fee for each consecutive business day your account remains overdrawn beginning on the 5th business day.
  • 50 & Better Interest Checking: $32 for each non-sufficient fund or overdraft item, or $25 each time you draw on unavailable funds (limited to 4 fees per day). Additionally, there is a $5 fee for each consecutive business day your account remains overdrawn beginning on the 5th business day.
  • VIP Free Interest Checking: $32 for each non-sufficient fund or overdraft item, or $25 each time you draw on unavailable funds (limited to 4 fees per day). Additionally, there is a $5 fee for each consecutive business day your account remains overdrawn beginning on the 5th business day.
  • Wall Street Checking: Rate of 0.01% for balances of $0-$2,499.99. Rate of 0.03% with balances of $2,500 or more. $32 for each non-sufficient fund or overdraft item, or $25 each time you draw on unavailable funds (limited to 4 fees per day). Additionally, there is a $5 fee for each consecutive business day your account remains overdrawn beginning on the 5th business day.

HSBC Bank USA NA

  • HSBC Premier: Monthly maintenance fee waived with $100,000 in qualifying combined personal deposit and investment balances. Minimum balance to earn APY is $5.
  • HSBC Advance : Monthly maintenance fee waived with $15,000 in combined qualifying balances. Minimum balance to earn APY is $5.
  • Choice Checking: To avoid a monthly $15 maintenance fee for Choice Checking, you need to maintain direct deposit or $1,500 in total combined personal deposit and investment balances. Check images are available online.
  • Basic Banking: account is designed for those who write only a few checks a month.

KeyBank

  • Key Express Checking: Maintenance Service Charge waived if one of the following requirements are met: you have deposits including transfers into this Account totaling $500 or more credited to your Key Express Checking Account during a statement cycle; or you have at least 8 customer initiated transactions any deposits, withdrawals, which includes transfers on your Key Express Checking Account during a statement cycle. Overdraft protection is available as a line of credit, subject to credit approval; finance charges and other fees may apply. NSF Fee is $34 per item, if more than 2 NSF in a rolling 12 month period, the NSF fee increases to $38.50 per item. Also, a recurring fee of $28.50 applies every 5 business days until sufficient funds have been deposited. Check images returned with statement - $3 per month fee.
  • Key Student Account: Maintenance Service Charge waived if one of the following requirements are met: make at least $200 in deposits or initiate two transactions per statement cycle. This Account is available to students at least 16 years of age and either a high school junior or senior or enrolled in post high school education (college or trade). Students under the age of 18 are required to have a parent/guardian as joint owner on the account. Student account can be maintained for a maximum of 4 years, or one cycle after the students 24th birthday, whichever comes first. Overdraft protection is available as a line of credit, subject to credit approval, must be 18 years of age or older and must live within the following states AK, CO, CT, ID, IN, KY, ME, MI, NY, OH, OR, UT,VT, or WA; finance charges and other fees may apply. NSF Fee is $34 per item, if more than 2 NSF in a rolling 12 month period, the NSF fee increases to $38.50 per item. Check images returned with statement - $3 per month fee. $25 early closure fee if account is closed within 180 days.
  • Key Advantage Account: Monthly maintenance fee is waived if $10,000 or more in any combination of qualifying deposit, credit, investment and retirement accounts is maintained. Overdraft protection is available as a line of credit, subject to credit approval, finance charges and other fees may apply. NSF Fee is $34 per item, if more than 2 NSF in a rolling 12 month period then the NSF fee increases to $38.50 per item. Also, a recurring fee of $28.50 applies every 5 business days until sufficient funds have been deposited. $25 early closure fee if account is closed within 180 days. Reimburses up to $6.00 per month of other banks' cash withdrawal ATM surcharges.
  • Key Privilege Account: Relationship checking with daily sweep. This account includes a choice of an FDIC-insured tiered interest-bearing account or a choice of investment accounts (non FDIC-insured). Monthly maintenance fee waived for the first 3 months for new accounts, offer may be withdrawn at any time. Monthly maintenance fee waived with $25,000 combined qualifying relationship balances, a KeyBank mortgage payment of $500 or more deducted from your account, or you are a signer on any KeyBank business checking account and you request to have the monthly Maintenance Service Charge waiver applied to your Key Privilege Checking Account as part of the Key Total Banking program. Three overdraft line of credit options available, subject to credit approval, finance charges and other fees may apply. NSF Fee is $34 per item, if more than 2 NSF in a rolling 12 month period, the NSF fee increases to $38.50 per item. Also, a recurring fee of $28.50 applies every 5 business days until sufficient funds have been deposited. $25 early closure fee if account is closed within 180 days.
  • Key Privilege Select Account: Relationship checking with daily sweep. This account includes a variety of investment options into which your checking account balance will be swept, including an FDIC-insured deposit account and non-FDIC insured money market mutual fund accounts. Monthly maintenance fee waived with $100,000 combined qualifying relationship balances, a KeyBank mortgage automatic ACH payment of $500 or more deducted from your account, or you are a signer on any KeyBank business checking account and you request to have the monthly Maintenance Service Charge waiver applied to your Key Privilege Checking Account as part of the Key Total Banking program. Four overdraft line of credit options available, subject to credit approval, finance charges and other fees may apply. NSF Fee is $34 per item, if more than 2 NSF in a rolling 12 month period, the NSF fee increases to $38.50 per item. Also, a recurring fee of $28.50 applies every 5 business days until sufficient funds have been deposited. $25 early closure fee if account is closed within 180 days.
  • Key Coverage Checking: Overdraft protection is available as a line of credit, subject to credit approval, finance charges and other fees may apply. NSF Fees: the first two overdraft or return item charges assessed per monthly statement cycle will be waived; no overdraft item charges will be assessed if your Account has a negative end of day balance of $10.00 or less; a reduced $18.00 per-item overdraft charge will be assessed if your Account has a negative end of day balance of $10.01 to $100.00; otherwise, NSF Fee is $34 per item, if more than 2 NSF in a rolling 12 month period then the NSF fee increases to $38.50 per item. Check images returned with statement would be an additional $3 per month fee. $25 early closure fee if account is closed within 180 days.
  • Key Access: No check writing privileges, this is an alternative to traditional checking accounts that provides a no monthly fee debit card and online banking. To avoid monthly maintenance service charge make at least $200 in deposits or initiate two transactions per statement cycle. If you receive a paper statement, your Account will be charged a $5.00 paper statement fee per monthly statement cycle. There is no fee if you sign up to receive your statements online through our Online Banking service. This checkless account is an alternative to check cashing facilities, providing you with the convenience of a regular checking account without writing checks and balancing a checkbook. This account is designed for you if your employer offers direct deposit, you are on ChexSystems, and you frequently use a check cashing facility. If you are not on ChexSystems one of the other accounts offered by KeyBank may be a better solution for your needs. $25 early closure fee if account is closed within 180 days.

Watertown Savings Bank

  • Student Banking: Overdraft protection is available with Sweep Services, automatically transferring funds from your Savings or Money Market account to your Checking account ($3 per incident fee).
  • Basic Banking: Check images available upon request with monthly statement. Overdraft protection is available with Sweep Services, automatically transferring funds from your Savings or Money Market account to your Checking account ($3 per incident fee).
  • Traditional Checking: Check images available upon request with monthly statements. No (overdraft) balances will be permitted. Overdraft Protection is available with either Bounce Protection ($30 per item fee) or with Sweep Services ($3 per incident fee).