Capital Region ATM/ Debit Card Notes

*Onsite (Adirondack Trust Company) ATMs: No fee cash withdrawals (Basic Checking has 8 Free Check or ATM withdrawals, then $0.20 per withdrawal). **Offsite ATM Fee: $1.00 Per Transaction at Non-ATC ATMs. Fees may be waived for qualifying accounts if minimum balance is maintained or with Direct Deposit. Visa/Debit Card Fee: $1.00 per month per card.

Optional US Airways Debit Card or Alaska Airlines Debit Card for an annual fee of $30. No fee Bank of America Debit Card: Earn up to 20% cash back when you use your Bank of America debit card through the Add It Up® program.
Free withdrawals, deposits, transfers, payments and balance inquiries at a Bank of America ATM. *No fee for first mini statement each monthly statement cycle; after one, each additional is $1.00 (includes up to 10 of your last transactions); $3.00 fee for full statement (includes activity since last statement). $2 fee for withdrawals, transfers and balance inquiries at non-Bank of America ATMs located in the U.S. **$5 fee for withdrawals, transfers and balance inquiries at a non-Bank of America ATM located in a foreign country (exception: non-Bank of America ATM fees do not apply at some ATMs located outside the United States. Call bank before traveling internationally for current information about banks participating in the program. $5 fee waived with qualifying account). ***ATM Surcharge: Fee charged for using the Bank of America ATM at malls and streets may vary from those at the banking center.

Visa Extras Rewards program is available with no annual fee. Receive 2,000 bonus points upon enrollment.
*This fee is waived with qualifying accounts, conditions apply

No-fee balance inquiries, deposits, cash withdrawals, payments, and transfers at a Citizens Bank ATM.

The Free MasterCard Savings program gives you access to special offers and discounts of 5% to 20% and/or free shipping and other benefits from more than 25,000 merchants
*Some offsite fees are waived with qualifying accounts. For Pinnacle and PinnaclePlus customers, there are no fees from First Niagara for the use of non-First Niagara ATMs, and any surcharges from other banks for use of their ATMs will be rebated by First Niagara.

*Offsite fees: For each Withdrawal, Balance Inquiry, or Transfers: either $2.00 or $2.50 depending upon account (some fees waived with qualifying account(s). **No POS fee when using your Debit MasterCard; $0.25 fee when using ATM card (waived with qualifying account(s).

Enroll in KeyBank Relationship Rewards and earn points through everyday banking activities such as Bill Pay, direct deposits, and Debit Card purchases. Redeem points for your choice of rewards including travel, merchandise, gift cards, and more. You can also earn points by expanding your banking relationship with Key. There may be an annual fee for the KeyBank Relationship Rewards program based on the type of checking account you have. Redemption of rewards points is subject to a service fee.
*$1.00 per month fee for ATM card (waived when you also possess qualifying Key Bank debit card). **Offsite ATM fee may be waived for certain accounts, otherwise $2.00. Additional charge of $1 for mini-statement. 1% fee for foreign country transactions, including a card transaction initiated in the U.S. with an entity located in a foreign country (and currency exchange fee, if applicable).

M&T Bank offers a choice of 5 rewards cards. Earn points when credit option is selected. Points earned can be redeemed for cash value rewards, gift cards, merchandise, and travel rewards.
*Onsite ATM fee: You may incur an onsite ATM fee for a mini-statement, waived with qualifying accounts. Offsite ATM fees vary, they may be waived or rebated for certain accounts. **$0.50 POS fee is waived for purchases made through the Visa Network when using the "credit" option for purchases. There is a $0.50 transaction fee if you use your PIN when making a purchase at a merchant self-service payment terminal. This fee does not apply with qualifying accounts.

Visa Extras Rewards program is available with no annual fee, must use card as credit. Earn points for using your Visa Debit Card for the qualifying purchases you make every day and get rewards from retailers and restaurants.
*Some offsite ATM fees may be waived with qualifying accounts

Optional "Rewards" program, receive digital incentives (like coupons) to enjoy at restaurants, stores, or places of business, with merchants in the Rewards network.
*Point of Sale fee is for non-credit transactions