Western New York Checking Account Notes


Bank of America

  • Regular Checking: Monthly maintenance fee waived with Linked Accounts. Meet one of the following balance requirements during each statement cycle: Minimum daily balance in checking-$1,500 or more or Minimum daily balance in linked Regular Savings-$2,000 or more or Minimum daily balance in linked money market savings-$5,000 or more. Average daily balance in checking with linked savings, CD and IRS accounts-$5,000 or more.
  • My Access Checking: monthly maintenance fee 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 accounts, OR $15,000 outstanding balance on a linked installment loan or line of credit, OR a linked first mortgage that BofA services, OR $15,000 or more in total combined assets in your eligible linked Merrill Lynch investment accounts. 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: No monthly maintenance fee when you choose online paperless statements and complete transactions online or by ATM, without a teller. Free enrollment in "Keep the Change® " savings program. Earn up to 20% cash back each time you use your check card with "Add It Up" program.

Citibank

  • Citibank Account: Monthly maintenance and per-check fees waived during any statement cycle with $15,000 minimum combined average balances in qualified accounts. Overdraft protection is available for $10 each day Citibank covers an overdraft; it moves money from your Citibank savings or money market account to your checking account when your account is overdrawn.
  • Citigold Interest Checking: Interest rate tiers. Monthly service fee is waived with $50,000 balance or more for all linked deposit and retirement accounts, or with $100,000 or more across all your linked Citi accounts, excluding a first mortgage with Citibank, or with $250,000 or more if your Citibank first mortgage is included in the total relationship. Overdraft protection is available for $10 each day Citibank covers an overdraft; it moves money from your Citibank savings or money market account to your checking account when your account is overdrawn.
  • Basic Checking: For $10 monthly fee, one must make 1 Direct Deposits AND 1 bill payment each monthly statement period and pay no monthly service fee; OR keep $1,500 in prior calendar month combined average balances in either your Basic checking or with a linked basic savings account. Overdraft protection is available for $10 each day Citibank covers an overdraft; it moves money from your Citibank savings or money market account to your checking account when your account is overdrawn.
  • Citibank Student Account: No monthly checking fee. Must be enrolled in an accredited U.S. college. Overdraft protection is available for $10 each day Citibank covers an overdraft; it moves money from your Citibank savings or money market account to your checking account when your account is overdrawn.

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.
  • 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.
  • 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.

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.

Evans Bank, NA

  • Better Checking: Monthly qualifications: (1) Have at least 12 debit card purchase transactions post and clear each qualification cycle, (2) Have at least one direct deposit, one auto-debit or one on-line bill pay post and clear each qualification cycle, and (3) Receive electronic statements. Account earns 1.50% APY on balances under $10,000, and 0.25% APY on balances over $10,000 if monthly qualifications are met. 0.10% APY on ALL balances if monthly qualifications are NOT met. Also, receive a rebate of ATM surcharges paid (up to $4.99 per withdrawal) if monthly qualifications are met (conditions apply).
  • Double Nickel Checking: Available to customers over 55.

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. You can opt in for paper statements for $5 per month along with paper check images for an additional $4 per month, making check image statements $9 per month.
  • 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 - 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

  • 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.

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 monthly service fee. 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 Checking Account: 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.
  • 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: No fee for NSF fee or stop payments. Insufficient Funds and Returned Item Fee: $0 if there were 4 or fewer Insufficient Funds or Returned Item occurrences in the previous 12 months. $34 for each item paid, maximum 3 Insufficient Funds and Returned Item Fees per day after the 4 occurrences. You will not be charged an Insufficient Funds Fee if your ending account balance is overdrawn by $5 or less. See issuer website for full details.
  • College Checking Account: No monthly service fee: if enrolled in college for up to 5 years, or with monthly direct deposits. 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.

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.

Lake Shore Savings

  • Free and Easy Checking: Online Bill Payment: First 15 transactions a month are free then $0.40 per transaction. Must designate checking account for online transactions upon opening account. Overdraft protection is offered with two options: Line of Credit, subject to credit approval, finance charges may apply, $5 fee per transaction; and Overdraft Savings Transfer which offers free transfers.
  • Smart Account (NOW): This account requires monthly direct deposit. Overdraft protection available. Online Bill Pay Fees: First 15 transactions a month are free, then $0.40 per transaction.
  • Money Market: Withdrawals are limited to 6 per statement cycle other limits and some exceptions apply. Overdraft protection is offered with two options, savings account transfer or line of credit, subject to credit approval, fees may apply. Online Bill Pay Fee: First 15 transactions a month are free, then $0.40 per transaction.
  • Student Account: Overdraft protection is offered with two options, savings account transfer and line of credit (subject to credit approval, fees may apply). Online Bill Pay Fee: First 15 transactions per month are free, then $0.40 per transaction.

M&T Bank

  • MyChoice Checking: Monthly service fee waived with at least 1 monthly direct deposit or 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 $5.00. NSF Fee: no charge for NSF or overdraft on any transaction that is less than $5, $38.50 NSF or overdraft fee on each transaction of $5.00 or more. No overdraft fee for transactions less than $5, the overdraft results from an ATM or one-time debit card transaction from your checking account and you have not elected to permit the bank to authorize and pay these transactions when you do not have enough money to pay them, OR your account has already been charged a total of 5 NSF and overdraft fees for items processed for payment on that business day. 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 $5. $38.50 NSF or overdraft fee on each transaction of $5 or more. No overdraft fee for transactions less than $5, the overdraft results from an ATM or one-time debit card transaction from your checking account and you have not elected to permit the bank to authorize and pay these transactions when you do not have enough money to pay them, OR your account has already been charged a total of 5 NSF and overdraft fees for items processed for payment on that business day. 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 an NSF or overdraft fee if you do not have sufficient available funds in your consumer checking or savings account to cover a small-dollar transaction. The small-dollar transaction exception will apply only if the amount of the item is less than $5. $38.50 NSF or overdraft fee on each transaction of $5 or more. No overdraft fee for transactions less than $5, the overdraft results from an ATM or one-time debit card transaction from your checking account and you have not elected to permit the bank to authorize and pay these transactions when you do not have enough money to pay them, OR your account has already been charged a total of 5 NSF and overdraft fees for items processed for payment on that business day. 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.
  • 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 $5, $38.50 NSF or overdraft fee on each transaction of $5 or more. No overdraft fee for transactions less than $5, the overdraft results from an ATM or one-time debit card transaction from your checking account and you have not elected to permit the bank to authorize and pay these transactions when you do not have enough money to pay them, OR your account has already been charged a total of 5 NSF and overdraft fees for items processed for payment on that business day. 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.
  • Free Checking: No charge an NSF or overdraft fee if you do not have sufficient available funds in your consumer checking or savings account to cover a small-dollar transaction. The small-dollar transaction exception will apply only if the amount of the item is less than $5, $38.50 NSF or overdraft fee on each transaction of $5 or more. No overdraft fee for transactions less than $5, the overdraft results from an ATM or one-time debit card transaction from your checking account and you have not elected to permit the bank to authorize and pay these transactions when you do not have enough money to pay them, OR your account has already been charged a total of 5 NSF and overdraft fees for items processed for payment on that business day. 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.
  • MyChoice Plus Checking: No monthly service fee if you maintain any one of the below: An average balance of $2,500 or more in your MyChoice Plus Checking account throughout your monthly service charge cycle, or Combined balances of $5,000 or more in eligible personal deposit accounts, loans and home equity outstanding balances, investment accounts through M&T Securities, Inc. and business deposit 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. $38.50 NSF or overdraft fee on each transaction of $5 or more. No overdraft fee for transactions less than $5, the overdraft results from an ATM or one-time debit card transaction from your checking account and you have not elected to permit the bank to authorize and pay these transactions when you do not have enough money to pay them, OR your account has already been charged a total of 5 NSF and overdraft fees for items processed for payment on that business day.
  • MyChoice Premium Checking: No monthly service fee if you maintain any one of the below: An average balance of $7,500 or more in your MyChoice Premium Checking account throughout your monthly service charge cycle, Combined balances of $25,000 or more in eligible personal deposit accounts, loans and home equity outstanding balances, investment accounts through M&T Securities, Inc. and business deposit accounts. There is no fee for transfers to a account from an overdraft protection plan, linked M&T savings account, credit card or overdraft line of credit. 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. Fees may apply to use of overdraft protection services. Subject to credit approval. $38.50 NSF or overdraft fee on each transaction of $5 or more. No overdraft fee for transactions less than $5, the overdraft results from an ATM or one-time debit card transaction from your checking account and you have not elected to permit the bank to authorize and pay these transactions when you do not have enough money to pay them, OR your account has already been charged a total of 5 NSF and overdraft fees for items processed for payment on that business day.

Northwest Savings Bank (Jamestown Savings Bank)

  • Free Checking: Check images are only available online with this account. Overdraft Protection is available with a linked Northwest Savings Bank account (fees apply).
  • Interest Checking: Service charge of $5 per monthly statement period is applicable should your average daily balance for the period fall below $500. Average daily balance of $1,000 is required to earn interest. Overdraft Protection is available with a linked Northwest Savings Bank account (fees apply). Check images are included with monthly paper statements at no charge.
  • GO! Rewards Checking: Requires direct deposit. Check images are only available online for this account. Account earns reward points (conditions apply). Overdraft Protection is available with a linked Northwest Savings Bank account (fees apply).