ATM & Debit Fees

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INSTITUTION PHONE ATM CARD MONTHLY FEE ONSITE ATM FEE OFFSITE ATM FEE POINT OF SALE FEE ATM SURCHARGE OFFERS DEBIT CARD? PIN/SIGNATURE TRANSACTIONS DEBIT CARD MONTHLY FEE DEBIT CARD REWARD PROGRAM NOTES
Adirondack Trust Co 518-584-5844 $0.00 $0.00* $1.00** $0.00 $1.00 Yes Yes $1.00 No VIEW
Bank of America 800-432-1000 $0.00 $0.00 $2.00* - $5.00** $0.00 $2.00*** Yes Yes $0.00 Yes VIEW
Capital Bank, a Division of Chemung Canal Trust Company 800-836-3711 $0.00 $0.00 $1.00* $0.00 $3.00 Yes Yes $0.00 Yes VIEW
Citizens Bank 877-360-2472 $0.00 $0.00 $3.00 $0.00 $3.00 Yes Yes $0.00 No VIEW
First Niagara Bank NA 800-421-0004 $0.00 $0.00 $2.00* $0.00 $2.00 Yes Yes $0.00 Yes VIEW
HSBC Bank USA NA 800-975-4722 $0.00 $0.00 $2.00* - $2.50* $0.00** $3.00 Yes Yes $0.00 No VIEW
KeyBank 800-539-2968 $1.00* $0.00 $0.00** - $2.00 $0.00 $3.00 Yes Yes $0.00 Yes VIEW
M&T Bank 800-724-2440 $0.00 $0.00* $2.00 $0.50** $3.00 Yes Yes $0.00 Yes VIEW
Pioneer Savings Bank 518-274-4800 $0.00 $0.00 $1.00 $0.50* $2.00 Yes Yes $0.00 No VIEW
TD Bank 888-751-9000 $0.00 $0.00 $2.00* $0.00 $2.00 Yes Yes $0.00 Yes VIEW
TrustCo Bank 800-670-3110 $0.00 $0.00 $1.75 $1.75* $2.95 Yes Yes $0.00 Yes VIEW
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INSTITUTION PHONE ATM CARD MONTHLY FEE ONSITE ATM FEE OFFSITE ATM FEE POINT OF SALE FEE ATM SURCHARGE OFFERS DEBIT CARD? PIN/SIGNATURE TRANSACTIONS DEBIT CARD MONTHLY FEE DEBIT CARD REWARD PROGRAM NOTES
Adirondack Trust Co 518-584-5844 $0.00 $0.00* $1.00** $0.00 $1.00 Yes Yes $1.00 No VIEW
Bank of America 800-432-1000 $0.00 $0.00 $2.00* - $5.00** $0.00 $2.00*** Yes Yes $0.00 Yes VIEW
Bank of Utica 800-442-1028 $0.00 $0.00 $0.00 $0.00 $1.75 Yes Yes $0.00 No VIEW
Berkshire Bank 800-773-5601 $0.00 $0.00 $1.50 $0.00 $2.50 Yes Yes $0.00 No  
Citizens Bank 877-360-2472 $0.00 $0.00 $3.00 $0.00 $3.00 Yes Yes $0.00 No VIEW
First Niagara Bank NA 800-421-0004 $0.00 $0.00 $2.00* $0.00 $2.00 Yes Yes $0.00 Yes VIEW
HSBC Bank USA NA 800-975-4722 $0.00 $0.00 $2.00* - $2.50* $0.00** $3.00 Yes Yes $0.00 No VIEW
JPMorgan Chase Bank 877-682-4273 $0.00 $0.00 $2.00* - $5.00** $0.00 $3.00 Yes Yes $0.00 No VIEW
M&T Bank 800-724-2440 $0.00 $0.00* $2.00 $0.50** $3.00 Yes Yes $0.00 Yes VIEW
NBT Bank 800-628-2265 $0.00 $0.00 $1.00 $0.00 $3.00 Yes Yes $0.00 Yes VIEW
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INSTITUTION PHONE ATM CARD MONTHLY FEE ONSITE ATM FEE OFFSITE ATM FEE POINT OF SALE FEE ATM SURCHARGE OFFERS DEBIT CARD? PIN/SIGNATURE TRANSACTIONS DEBIT CARD MONTHLY FEE DEBIT CARD REWARD PROGRAM NOTES
Alliance Bank 800-310-6275 $0.00 $0.00 $1.50 $0.00 $2.00 Yes Yes $0.00 Yes VIEW
Bank of America 800-432-1000 $0.00 $0.00 $2.00* - $5.00** $0.00 $2.00*** Yes Yes $0.00 Yes VIEW
First Niagara Bank NA 800-421-0004 $0.00 $0.00 $2.00* $0.00 $2.00 Yes Yes $0.00 Yes VIEW
Geddes Fedl Svgs & Ln Assoc 888-468-6281 $0.00 $0.00 $1.00 $0.00 $2.00 Yes Yes $0.00 No  
HSBC Bank USA NA 800-975-4722 $0.00 $0.00 $2.00* - $2.50* $0.00** $3.00 Yes Yes $0.00 No VIEW
JPMorgan Chase Bank 877-682-4273 $0.00 $0.00 $2.00* - $5.00** $0.00 $3.00 Yes Yes $0.00 No VIEW
KeyBank 800-539-2968 $1.00* $0.00 $0.00** - $2.00 $0.00 $3.00 Yes Yes $0.00 Yes VIEW
M&T Bank 800-724-2440 $0.00 $0.00* $2.00 $0.50** $3.00 Yes Yes $0.00 Yes VIEW
Solvay Bank 315-468-1661 $0.00 $0.00 $1.00* $0.00 $3.00 Yes Yes $0.00 Yes VIEW
The Oneida Savings Bank 315-363-2000 $0.00 $0.00 $1.00 $0.00 $2.00 Yes Yes $0.00 No  
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INSTITUTION PHONE ATM CARD MONTHLY FEE ONSITE ATM FEE OFFSITE ATM FEE POINT OF SALE FEE ATM SURCHARGE OFFERS DEBIT CARD? PIN/SIGNATURE TRANSACTIONS DEBIT CARD MONTHLY FEE DEBIT CARD REWARD PROGRAM NOTES
Astoria Fedl Svgs & Ln Assoc 800-278-6742 $0.00 $0.00* $1.00** - $1.50** $1.00*** $3.00 Yes Yes $0.00 Yes VIEW
Bank of America 800-432-1000 $0.00 $0.00 $2.00* - $5.00** $0.00 $2.00*** Yes Yes $0.00 Yes VIEW
Capital One Bank 800-655-2265 $0.00 $0.00 $2.00 $0.00 $2.00 Yes Yes $0.00 Yes VIEW
Citibank NA 800-374-9500 $0.00 $0.00 $2.00* $0.00 $2.00 Yes Yes $0.00 Yes VIEW
Emigrant Bank 888-364-4726 $0.00 $0.00 $1.00 $1.00* $2.00 - $2.50 Yes Yes $0.00 No VIEW
HSBC Bank USA NA 800-975-4722 $0.00 $0.00 $2.00* - $2.50* $0.00** $3.00 Yes Yes $0.00 No VIEW
JPMorgan Chase Bank 877-682-4273 $0.00 $0.00 $2.00* - $5.00** $0.00 $3.00 Yes Yes $0.00 No VIEW
PNC Bank 888-762-2265 $0.00* $0.00 $2.50** - $5.00** $0.00 $2.50 Yes Yes $0.00* Yes VIEW
Roslyn Savings Bank - A Division of New York Community Bank 877-786-6560 $0.00 $0.00 $2.00 - $3.00 $1.50* $2.50 Yes Yes $0.00 Yes VIEW
Wachovia Bank - A Division of Wells Fargo Bank 800-956-4442 $0.00 $0.00 $2.00* - $5.00* $0.00 $2.00 - $3.00 Yes Yes $0.00 No VIEW
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INSTITUTION PHONE ATM CARD MONTHLY FEE ONSITE ATM FEE OFFSITE ATM FEE POINT OF SALE FEE ATM SURCHARGE OFFERS DEBIT CARD? PIN/SIGNATURE TRANSACTIONS DEBIT CARD MONTHLY FEE DEBIT CARD REWARD PROGRAM NOTES
Astoria Fedl Svgs & Ln Assoc 800-278-6742 $0.00 $0.00* $1.00** - $1.50** $1.00*** $3.00 Yes Yes $0.00 Yes VIEW
Bank of America 800-432-1000 $0.00 $0.00 $2.00* - $5.00** $0.00 $2.00*** Yes Yes $0.00 Yes VIEW
Capital One Bank 800-655-2265 $0.00 $0.00 $2.00 $0.00 $2.00 Yes Yes $0.00 Yes VIEW
Emigrant Bank 888-364-4726 $0.00 $0.00 $1.00 $1.00* $2.00 - $2.50 Yes Yes $0.00 No VIEW
HSBC Bank USA NA 800-975-4722 $0.00 $0.00 $2.00* - $2.50* $0.00** $3.00 Yes Yes $0.00 No VIEW
JPMorgan Chase Bank 877-682-4273 $0.00 $0.00 $2.00* - $5.00** $0.00 $3.00 Yes Yes $0.00 No VIEW
New York Community Bank 877-786-6560 $0.00 $0.00 $2.00 - $3.00 $1.50* $2.50 Yes Yes $0.00 Yes VIEW
PNC Bank 888-762-2265 $0.00* $0.00 $2.50** - $5.00** $0.00 $2.50 Yes Yes $0.00* Yes VIEW
Queens County Savings Bank - A Division of New York Community Bank 877-786-6560 $0.00 $0.00 $2.00 - $3.00 $1.50* $2.50 Yes Yes $0.00 Yes VIEW
Richmond County Savings Bank - A Division of New York Community Bank 877-786-6560 $0.00 $0.00 $2.00 - $3.00 $1.50* $2.50 Yes Yes $0.00 Yes VIEW
Roosevelt Savings Bank - A Division of New York Community Bank 877-786-6560 $0.00 $0.00 $2.00 - $3.00 $1.50* $2.50 Yes Yes $0.00 Yes VIEW
Wachovia Bank - A Division of Wells Fargo Bank 800-956-4442 $0.00 $0.00 $2.00* - $5.00* $0.00 $2.00 - $3.00 Yes Yes $0.00 No VIEW
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INSTITUTION PHONE ATM CARD MONTHLY FEE ONSITE ATM FEE OFFSITE ATM FEE POINT OF SALE FEE ATM SURCHARGE OFFERS DEBIT CARD? PIN/SIGNATURE TRANSACTIONS DEBIT CARD MONTHLY FEE DEBIT CARD REWARD PROGRAM NOTES
Bank of America 800-432-1000 $0.00 $0.00 $2.00* - $5.00** $0.00 $2.00*** Yes Yes $0.00 Yes VIEW
Canandaigua Natl Bank & Trust 800-724-2621 $0.00 $0.00 $1.00 $0.00 $2.50 Yes Yes $0.00 No VIEW
Citibank NA 800-374-9500 $0.00 $0.00 $2.00* $0.00 $2.00 Yes Yes $0.00 Yes VIEW
Citizens Bank 877-360-2472 $0.00 $0.00 $3.00 $0.00 $3.00 Yes Yes $0.00 No VIEW
First Niagara Bank NA 800-421-0004 $0.00 $0.00 $2.00* $0.00 $2.00 Yes Yes $0.00 Yes VIEW
Five Star Bank 877-226-5578 $0.00 $0.00 $2.00 $0.00 $2.00 Yes Yes $0.00 No  
Genesee Regional Bank 585-218-4280 $0.00 $0.00 $0.00 $0.00 $2.00 Yes Yes $0.00 No VIEW
HSBC Bank USA NA 800-975-4722 $0.00 $0.00 $2.00* - $2.50* $0.00** $3.00 Yes Yes $0.00 No VIEW
JPMorgan Chase Bank 877-682-4273 $0.00 $0.00 $2.00* - $5.00** $0.00 $3.00 Yes Yes $0.00 No VIEW
KeyBank 800-539-2968 $1.00* $0.00 $0.00** - $2.00 $0.00 $3.00 Yes Yes $0.00 Yes VIEW
M&T Bank 800-724-2440 $0.00 $0.00* $2.00 $0.50** $3.00 Yes Yes $0.00 Yes VIEW
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INSTITUTION PHONE ATM CARD MONTHLY FEE ONSITE ATM FEE OFFSITE ATM FEE POINT OF SALE FEE ATM SURCHARGE OFFERS DEBIT CARD? PIN/SIGNATURE TRANSACTIONS DEBIT CARD MONTHLY FEE DEBIT CARD REWARD PROGRAM NOTES
Bank of America 800-432-1000 $0.00 $0.00 $2.00* - $5.00** $0.00 $2.00*** Yes Yes $0.00 Yes VIEW
Citizens Bank 877-360-2472 $0.00 $0.00 $3.00 $0.00 $3.00 Yes Yes $0.00 No VIEW
HSBC Bank USA NA 800-975-4722 $0.00 $0.00 $2.00* - $2.50* $0.00** $3.00 Yes Yes $0.00 No VIEW
KeyBank 800-539-2968 $1.00* $0.00 $0.00** - $2.00 $0.00 $3.00 Yes Yes $0.00 Yes VIEW
M&T Bank 800-724-2440 $0.00 $0.00* $2.00 $0.50** $3.00 Yes Yes $0.00 Yes VIEW
Provident Bank 845-369-8551 $0.00 $0.00 $1.00* $0.00 $3.00 Yes Yes $0.00 No VIEW
Rhinebeck Savings Bank 845-229-8800 $0.00 $0.00 $1.14* $1.14** $1.75 Yes Yes $0.00 Yes VIEW
TD Bank 888-751-9000 $0.00 $0.00 $2.00* $0.00 $2.00 Yes Yes $0.00 Yes VIEW
Wachovia Bank - A Division of Wells Fargo Bank 800-956-4442 $0.00 $0.00 $2.00* - $5.00* $0.00 $2.00 - $3.00 Yes Yes $0.00 No VIEW
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INSTITUTION PHONE ATM CARD MONTHLY FEE ONSITE ATM FEE OFFSITE ATM FEE POINT OF SALE FEE ATM SURCHARGE OFFERS DEBIT CARD? PIN/SIGNATURE TRANSACTIONS DEBIT CARD MONTHLY FEE DEBIT CARD REWARD PROGRAM NOTES
Bank of America 800-432-1000 $0.00 $0.00 $2.00* - $5.00** $0.00 $2.00*** Yes Yes $0.00 Yes VIEW
Chemung Canal Trust Company 800-836-3711 $0.00 $0.00 $1.00* $0.00 $3.00 Yes Yes $0.00 Yes VIEW
Citizens Bank 877-360-2472 $0.00 $0.00 $3.00 $0.00 $3.00 Yes Yes $0.00 No VIEW
Community Bank NA 570-842-5715 $0.00 $0.00 $2.00 $0.00 $2.00 Yes Yes $0.00 No  
First Natl Bank of Dryden 607-844-8141 $1.00* $0.00 $1.00 $0.00 $2.00 Yes Yes $1.00 No VIEW
First Natl Bank of Groton 607-898-5871 $1.00 $0.00* $1.00** $0.00 $2.00 Yes Yes $1.00 No VIEW
First Niagara Bank NA 800-421-0004 $0.00 $0.00 $2.00* $0.00 $2.00 Yes Yes $0.00 Yes VIEW
HSBC Bank USA NA 800-975-4722 $0.00 $0.00 $2.00* - $2.50* $0.00** $3.00 Yes Yes $0.00 No VIEW
JPMorgan Chase Bank 877-682-4273 $0.00 $0.00 $2.00* - $5.00** $0.00 $3.00 Yes Yes $0.00 No VIEW
M&T Bank 800-724-2440 $0.00 $0.00* $2.00 $0.50** $3.00 Yes Yes $0.00 Yes VIEW
NBT Bank 800-628-2265 $0.00 $0.00 $1.00 $0.00 $3.00 Yes Yes $0.00 Yes VIEW
Peoples Neighborhood Bank 888-868-3858 $0.00 $0.00 $0.00 $0.00 $3.00 Yes Yes $0.00 Yes VIEW
Tioga State Bank 888-303-4872 $0.00 $0.00 $2.00* $0.00 $2.75 Yes Yes $0.00 No VIEW
Tompkins Trust Co 888-273-3210 $0.00 $0.00 $1.00* $0.00 $3.00 Yes Yes $0.00 Yes VIEW
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INSTITUTION PHONE ATM CARD MONTHLY FEE ONSITE ATM FEE OFFSITE ATM FEE POINT OF SALE FEE ATM SURCHARGE OFFERS DEBIT CARD? PIN/SIGNATURE TRANSACTIONS DEBIT CARD MONTHLY FEE DEBIT CARD REWARD PROGRAM NOTES
Bank of America 800-432-1000 $0.00 $0.00 $2.00* - $5.00** $0.00 $2.00*** Yes Yes $0.00 Yes VIEW
Citibank NA 800-374-9500 $0.00 $0.00 $2.00* $0.00 $2.00 Yes Yes $0.00 Yes VIEW
Citizens Bank 877-360-2472 $0.00 $0.00 $3.00 $0.00 $3.00 Yes Yes $0.00 No VIEW
Community Bank NA 570-842-5715 $0.00 $0.00 $2.00 $0.00 $2.00 Yes Yes $0.00 No  
Evans Bank 716-926-3313 $0.00 $0.00 $2.00 $0.00 $1.00 Yes Yes $0.00 Yes VIEW
First Niagara Bank NA 800-421-0004 $0.00 $0.00 $2.00* $0.00 $2.00 Yes Yes $0.00 Yes VIEW
HSBC Bank USA NA 800-975-4722 $0.00 $0.00 $2.00* - $2.50* $0.00** $3.00 Yes Yes $0.00 No VIEW
JPMorgan Chase Bank 877-682-4273 $0.00 $0.00 $2.00* - $5.00** $0.00 $3.00 Yes Yes $0.00 No VIEW
KeyBank 800-539-2968 $1.00* $0.00 $0.00** - $2.00 $0.00 $3.00 Yes Yes $0.00 Yes VIEW
Lake Shore Savings Bank 716-366-4070 $0.00 $0.00 $1.50* $1.50** $1.50 Yes Yes $0.00 No VIEW
M&T Bank 800-724-2440 $0.00 $0.00* $2.00 $0.50** $3.00 Yes Yes $0.00 Yes VIEW
Northwest Savings Bank 877-672-5678 $0.00 $0.00 $0.00 $0.00 $2.50 Yes Yes $0.00 Yes VIEW
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INSTITUTION PHONE ATM CARD MONTHLY FEE ONSITE ATM FEE OFFSITE ATM FEE POINT OF SALE FEE ATM SURCHARGE OFFERS DEBIT CARD? PIN/SIGNATURE TRANSACTIONS DEBIT CARD MONTHLY FEE DEBIT CARD REWARD PROGRAM NOTES
Carthage Fedl Svgs & Ln Assoc 800-232-0450 $0.00 $0.00 $0.00* - $0.75* $0.00 $1.50 Yes Yes $0.00 Yes VIEW
Community Bank NA 570-842-5715 $0.00 $0.00 $2.00 $0.00 $2.00 Yes Yes $0.00 No  
HSBC Bank USA NA 800-975-4722 $0.00 $0.00 $2.00* - $2.50* $0.00** $3.00 Yes Yes $0.00 No VIEW
KeyBank 800-539-2968 $1.00* $0.00 $0.00** - $2.00 $0.00 $3.00 Yes Yes $0.00 Yes VIEW
Watertown Savings Bank 315-788-7100 $0.00 $0.00 $0.50* - $1.00* $0.00 $3.00 Yes Yes $0.00 No VIEW
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