Western New York 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.

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 per day and 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 per day and 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 per day and 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 and have a minimum opening deposit of $100. Overdraft protection is available for $10 per day and 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.
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.

Evans Bank, NA

Simply NOW: $500 courtesy overdraft protection and you will be charged $33 NSF fee. Line of credit is also available, subject to credit approval, finance charges apply, no NSF fees.
Better Checking: 3 qualifications must be met each statement cycle for 2.25% APY. Qualifications: receive e-statements, 12 debit card transactions, and direct deposit. Rate tiers: balances of $0.01 - $20,000 earn 3.00% APY; balances over $20,000 earn 1.00% (providing all qualifications are met). 0.10% APY applies to all balances if qualifications are not met.

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.

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.

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): No monthly fee with direct deposit. Overdraft protection available.
Money Market: Withdrawals are limited to 6 per statement cycle (other limits and some exceptions apply). Minimum balance to earn interest is $10. 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.
Student 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.

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.

Northwest Savings Bank

Free Checking: Online Bill Payment is free if it is used at least once a month, otherwise there is a $5.95 monthly fee. $3 fee for check images returned with monthly statement. Overdraft Protection is available with a related Northwest Savings Bank Statement Savings, Insured Money Fund or a Qualifying Line of Credit.
Interest Checking: Online Bill Payment is free if it is used at least once a month, otherwise there is a $5.00 monthly fee. Monthly service fee can also be waived with $10,000 in combined balances in qualifying accounts. Overdraft Protection is available with a related Northwest Savings Bank Statement Savings, Insured Money Fund or a Qualifying Line of Credit. Must have a balance of $1000 to earn interest.
Rewards Checking: Online Bill Payment is free if it is used at least once a month, otherwise there is a $5.95 monthly fee. For check images returned with statement there will be a monthly fee of $3. Account earns reward points. Overdraft Protection is available with a related Northwest Savings Bank Statement Savings, Insured Money Fund or a Qualifying Line of Credit.