North Country Checking Account Notes

Carthage Fedl Svgs & Ln Assoc

Totally Free Checking: Receive $0.10 per signature based debit card transaction.
VIP Free Interest Checking: Direct Deposit or Automatic Payment required for this account. Check images available upon request. Free Debit Card and Online banking with Bill Pay. Receive $0.10 per signature based debit card transaction
50 Plus Free Interest: Minimum age requirement is 50. Receive $0.10 per signature based debit card transaction.
High Interest Checking: Free online banking with Bill Pay, free eStatements, and direct deposit available. 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. $8 monthly fee waived on balances over $2,500.

Community Bank

Wall Street Checking: Higher interest rates with balances of $2,500 or more.

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.

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 5 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. $25 early closure fee if account is closed within 180 days. This is a basic banking account.
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 (currently 0.25%-0.30% APY) 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 tax-free money market mutual fund accounts. 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 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 Checkless Access: Open this account in person only. Requires recurring Direct Deposit. No check writing privileges. A deposit fee of up to 1.9% will be assessed at the time of each deposit (see your local branch for details). This fee will be assessed on the first $1,500 of each amount deposited. No deposit fee will be assessed on the amount over $1,500. Key Checkless Access Account is an account designed to provide you immediate access to your direct deposit paycheck. 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. 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 once every 5 business days until sufficient funds have been deposited. $25 early closure fee if account is closed within 180 days.

Watertown Savings Bank

Basic Banking: If you participate in Check Safekeeping, the following fees apply for check images: 12 images per year free, $1 each check image thereafter. If you do not participate in Check Safekeeping: $5 per check image.
Checking Account: If you participate in Check Safekeeping, the following fees apply for check images: 12 images per year free, $1 per check image thereafter. If you do not participate in Check Safekeeping: $5 fee per check image.