Southern Tier Checking Account Notes

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.

Chemung Canal Trust Co

Liberty Club Checking: Monthly service fee of $6 for individual life insurance; $8 for family life insurance. An additional $3 per month fee will be charged for check images returned with monthly statement. Two options available for Overdraft Protection: overdraft Line of Credit, subject to credit approval, limits and finance charges apply, with no transfer fee; or, linked to your savings account, with $3 per transfer fee. $30 NSF fee is not charged if you have overdraft protection.
Free Checking: An additional $3 per month fee will be charged for check images returned with monthly statement. Two options available for Overdraft Protection: an overdraft Line of Credit, subject to credit approval, limits and finance charges apply, with no per transfer fee; or, linked to your savings account, with $3 per transfer fee. $30 NSF fee is not charged if you have overdraft protection.
Global Checking: Account holders are required to receive at least 1 direct deposit, monthly e-statements, and make at least 8 Visa check card transactions during each statement cycle to waive the monthly maintenance fee. An additional $3 per month fee will be charged for check images returned with monthly statement. Two options available for Overdraft Protection: an overdraft Line of Credit, subject to credit approval, limits and finance charges apply, with no per transfer fee; or, linked to your savings account, with $3 per transfer fee. $30 NSF fee is not charged if you have overdraft protection.
49 Forever Account: One person on the account must be age 49 or above to qualify. An additional $3 per month fee will be charged for check images returned with monthly statement. Two available options for Overdraft Protection: an overdraft Line of Credit, subject to credit approval, limits and finance charges apply, with no per transfer fee; or, linked to your savings account, with $3 per transfer fee. $30 NSF fee is not charged if you have overdraft protection.
NOW Account: If the average available balance is above $5,000, there is unlimited check writing with no fee. If the average daily available balance is less than $5,000, 10 checks each statement period are allowed without a fee; with a fee of $.20 for each additional check. If the average daily available balance falls below $1,000, no interest is earned and account is charged a $5 monthly service fee. An additional $3 per month fee will be charged for check images returned with monthly statement. Two options available for Overdraft Protection: an overdraft Line of Credit, subject to credit approval, limits and finance charges apply, with no per transfer fee; or, linked to your savings account, with $3 per transfer fee. $30 NSF fee is not charged if you have overdraft protection.
Money Market Account: No Interest is earned on balances below $1,000. Earn NOW account rate for balances from $1,000 - $2,500. Earn Money Market rates for balances of $2,500 or more. Withdrawals from a money market account are limited to 6 per statement cycle, other limits and some exceptions apply. An additional $3 per month fee will be charged for check images returned with monthly statement. Two options available for Overdraft Protection: an overdraft Line of Credit, subject to credit approval, limits and finance charges apply with no per transfer fee; or, linked to your savings account, with $3 per transfer fee. $30 NSF fee is not charged if you have overdraft protection.
Prestige Money Market: Account requires opening deposit of new money only (not from funds in Chemung Canal accounts). A minimum $25,000 balance and a Chemung Canal checking account are required to open the account and to earn the stated Prestige IMMA interest rate. Balances below $25,000 earn regular money market rate. Withdrawals from a money market account are limited to 6 per statement cycle (other limits and some exceptions apply). An additional $3 per month fee will be charged for check images returned with monthly statement. Two options available for Overdraft Protection: an overdraft Line of Credit, subject to credit approval, limits and finance charges apply, with no per transfer fee; or, linked to your savings account, with $3 per transfer fee. $30 NSF fee is not charged if you have overdraft protection.

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.

Community Bank

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

First Natl Bank of Dryden

NOW Checking: Minimum balance to earn interest is $300. Per item fee of $0.20 is waived when minimum balance requirement is met. Overdraft protection is available (subject to credit approval) with a line of credit, finance charges apply. NSF fee will not be charged if you have overdraft protection.
Regular Checking: Per item fee of $0.20 is waived when minimum balance requirement is met. Overdraft protection is available subject to credit approval with a line of credit, finance charges apply. NSF fee will not be charged if you have overdraft protection.
Regular Checking Direct Deposit: No monthly service fees with Direct Deposit. Overdraft protection is available, subject to credit approval, with a line of credit, finance charges apply. NSF fee will not be charged if you have overdraft protection.
Liberty Plan: Minimum age requirement for this account is 50. Overdraft protection is available subject to credit approval with a line of credit, finance charges apply. NSF fee will not be charged if you have overdraft protection.
Money Market Checking: Minimum balance of $5,000 to avoid monthly service fee of $3. Limit of 6 withdrawals per week, with only 3 of these payable by check to third party, other limits and some exceptions apply.

First Natl Bank of Groton

Basic Checking: First 6 months of Online Bill Pay are free. Monthly service fee and per check fee are waived with a minimum balance of $300 or Direct Deposit. $1 fee per month for ATM card. Overdraft protection offered with a Line of Credit, subject to credit approval, fees and finance charges may apply.
Senior Checking: First 6 months of Online Bill Pay are free. Minimum age requirement is 60. $1 fee per month for ATM card. Overdraft protection offered with a Line of Credit, subject to credit approval, fees and finance charges may apply.
Money Market Checking: $1,000 balance required to earn interest. Service fee and per check fee waived with minimum $1,000 balance. $1 fee per month for ATM card. Overdraft protection offered with a Line of Credit, subject to credit approval, fees and finance charges may apply.

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.

M&T Bank

Power Checking: Tiered interest rates. Monthly service fee waived with $50,000 in combined balances in qualifying accounts or with M&T Mortgage with originating amount more than $200,000. Overdraft protection is available through a linked savings account, M&T Credit Card or a Overdraft line of credit (subject to credit approval, certain limitations apply). No transfer fees for Power Checking. NSF Fee: no charge for NSF or overdraft on any transaction that is less than $10, $37 NSF or overdraft fee on each transaction of $10 or more. Upon request, each month you may receive 3 free check images with your statement, after that, each page of check images will cost an additional $5.
M&T Select Checking with Interest Account: Monthly service fee waived with $5,000 average balance or with $10,0000 in combined balances in qualifying accounts or with M&T Mortgage with originating amount more than $100,000. Overdraft protection is available through a linked savings account, M&T Credit Card or a Overdraft line of credit (subject to credit approval, certain limitations apply). NSF Fee: no charge for NSF or overdraft on any transaction that is less than $10, $37 NSF or overdraft fee on each transaction of $10 or more. Upon request, each month you may receive 3 free check images with your statement, after that, each page of check images will cost an additional $5.
MyChoice Checking: Monthly service fee waived with 10 or more purchases or payments with your M&T check card; or, if you maintain an average daily balance of $500 or more in your account. Overdraft protection is available through a linked savings account, M&T Credit Card or a Overdraft line of credit (subject to credit approval, certain limitations apply). NSF Fee: no charge for NSF or overdraft on any transaction that is less than $10, $37 NSF or overdraft fee on each transaction of $10 or more. Upon request, each month you may receive 3 free check images with your statement, after that, each page of check images will cost an additional $5.
M&T Classic Checking with Interest: Account only available for those age 50 and older. Monthly service fee waived with recurring direct deposit; 10 or more purchases or payments with your M&T check card; or, if you maintain an average daily balance of $500 or more in your account; or, with $1,500 or more in combined balances in qualifying accounts. Overdraft protection is available through a linked savings account, M&T Credit Card or a Overdraft line of credit (subject to credit approval, certain limitations apply). NSF Fee: no charge for NSF or overdraft on any transaction that is less than $10, $37 NSF or overdraft fee on each transaction of $10 or more. Upon request, each month you may receive 3 free check images with your statement, after that, each page of check images will cost an additional $5.
College Checking Account: This account is exclusively for students. The account will convert to an M&T Direct Checking account after 5 years or sooner if account holder is no longer a student. Overdraft protection is available through a linked savings account, M&T Credit Card or a Overdraft line of credit (subject to credit approval, certain limitations apply). NSF Fee: no charge for NSF or overdraft on any transaction that is less than $10, $37 NSF or overdraft fee on each transaction of $10 or more. Upon request, each month you may receive 3 free check images with your statement, after that, each page of check images will cost an additional $5.
M&T Totally Free Checking: Overdraft protection is available through a linked savings account, M&T Credit Card or a Overdraft line of credit (subject to credit approval, certain limitations apply). NSF Fee: no charge for NSF or overdraft on any transaction that is less than $10, $37 NSF or overdraft fee on each transaction of $10 or more.
Basic Banking Account: Overdraft protection is available through a linked savings account, M&T Credit Card or a Overdraft line of credit (subject to credit approval, certain limitations apply). NSF Fee: no charge for NSF or overdraft on any transaction that is less than $10, $37 NSF or overdraft fee on each transaction of $10 or more. Upon request, each month you may receive 3 free check images with your statement, after that, each page of check images will cost an additional $5.

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.

Peoples Neighborhood Bank

Club Account: Monthly service fee $6 for individual insurance plan; $8 month service fee for family insurance plan. Free cashiers checks, accidental death insurance & other benefits.
Regular NOW: Interest is earned on balances of $1,000 or more.
Personal Money Market: 4 interest rate tiers, balances between $1,000 - $2,499 will earn interest at the NOW account rate, higher interest rates apply to balances of $2,500 and over. Interest rate is fixed for 1st and 2nd tiers according to current market conditions and a variable interest rate for the 3rd tier. Tier balances as follows: 1st $2,500 - $24,999; 2nd $25,000 - $49,999; 3rd $50,000 - $499,999; 4th $500,000 and over. Withdrawals from a money market account are limited to 6 per statement cycle, other limits and some exceptions apply.

Tioga State Bank

Rewards Checking Account: Higher APY earned with balance between $.01 and $25,000, balances above $25,000 earn a lower APY. Three requirements per qualification cycle: enrollment in TSB online e-statements, 12 or more TSB debit card purchases, and one direct deposit or ACH debit. If requirements are not met, account will still earn base APY. ATM fee reimbursement up to $25 per statement cycle with qualifying requirements met. Optional service, check images returned with statement is a $4 per month fee.
Free Checking: Optional service, check images returned with statement is a $4 per month fee.
Interest Checking: Minimum daily balance of $2,500 to earn interest. Optional service, check images returned with statement is a $4 per month fee.

Tompkins Trust Company

Welcome Checking: 1st order of 50 checks free with direct deposit or ACH credit. Free Internet banking with bill pay.
Select Checking Plus: 1st order of 50 checks free. $1,000 minimum daily balance to avoid $3 monthly maintenance fee.
Student Checking: Free foreign ATM transactions. If you use another bank's ATM, Tompkins Trust will waive our $1 fee (up to the amount specified); the other bank may charge a fee.
True Advantage: Monthly service fee waived with $10,000 combined balances in qualified savings, checking, and CD's or $25,000 in linked mortgage, home equity or personal loans.
True Advantage Checking Plus: Monthly service fee waived with $15,000 combined balances in qualified savings, checking, and CD's or $25,000 in linked mortgage, home equity or personal loans.