Central New York ATM/ Debit Card Notes

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.

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).

*Offsite ATM fee may be waived with qualifying accounts. $2 per withdrawal, inquiry or balance transfer within U.S., Puerto Rico and US Virgin Islands. **$5 per withdrawal outside the U.S., Puerto Rico and the US Virgin Islands.

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.

The Direct Rewards Checking Account comes with a free UChoose Rewards debit card, which earns points with every purchase.
*Offsite ATM fees may be waived with qualifying account(s).