Mohawk Valley 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.

Bank of Utica does not charge customers a fee for onsite or offsite ATM use (offsite ATM owner may charge a fee).

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).

*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.

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.