Capital Region ATM/ Debit Card Notes

Adirondack Trust Co

  • *Onsite (Adirondack Trust Company) ATMs: No fee cash withdrawals (exception: 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.

Bank of America

  • Optional Alaska Airlines Debit Card for an annual fee. No fee Bank of America Debit Card: Earn up to $250 per year 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.

Capital Bank, a Division of Chemung Canal Trust Company

  • Free UChoose Rewards Program: Earn 1 point for every $2 each time you use your card and sign for your purchases. Earn additional points by shopping at participating retailers in-store or online through Redeem points for millions of items.
  • *Offsite fees may be waived with qualifying accounts, conditions apply. Capital Bank may rebate other banks' ATM surcharges with qualifying accounts, conditions apply.

Citizens Bank

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

First Niagara Bank NA

  • Optional Free First Niagara Rewards Program: Sign up to receive merchant discounts, which are automatically credited to your First Niagara account. No coupons to clip - and no points to redeem.
  • Unlimited free transactions at First Niagara ATMs. *With qualifying accounts, offsite ATM transaction fees may be waived, and surcharges from other banks for use of their ATMs may be rebated. Otherwise, $2.50 for each transaction made at an ATM in the U.S. or Canada that does not belong to First Niagara.


  • *Some offsite ATM fees may be waived with qualifying accounts. Otherwise, $2.00 or $2.50 fee for withdrawal, balance inquiry or transfer, depending upon account.


  • KeyBank offers a choice of debit cards, with varying rewards options. 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). ** Onsite ATM fee of $1.50 for mini-statement. ***Offsite ATM fee may be waived for qualifying accounts, otherwise $2.50 for withdrawal, balance inquiry or transfer.

M&T Bank (Manufacturers and Traders Trust Co)

  • M&T Bank offers a choice of rewards cards. Earn points when credit option is selected. Points earned can be redeemed for cash value rewards, gift cards, merchandise, and travel rewards.
  • *Offsite ATM Fees: Up to $3 (may be waived or rebated with qualifying accounts).

Pioneer Bank

  • *$0.50 Point of Sale fee is for PIN-based purchase transactions, no fee for "credit" signature purchase transactions.

TD Bank

  • Every TD Bank Visa® Debit Card holder can enjoy special discounts for purchases made online or in stores. Enjoy savings on purchases made with your debit card - from travel and restaurants to your favorite stores. Discounts are easy to redeem and are applied instantly to your purchases. Special offers change regularly and no enrollment needed.
  • Transactions conducted at TD ATMs in the US and Canada (including mini-statements) are free. *Some offsite ATM fees may be waived with qualifying accounts. Also with qualifying account(s), TD Bank may reimburse you for the fees charged by the owner of non-TD ATM at the end of each statement cycle if you maintain a $2,500 minimum balance for the entire statement cycle.

TrustCo Bank

  • Optional "Prewards" Program: Receive digital incentives (like coupons) to enjoy at restaurants, stores, or places of business, with merchants in the Prewards network.
  • *Trustco Bank customers can withdraw cash for free at over 50,000 Allpoint and Publix Super Market ATMs worldwide, otherwise $2.00 per offsite transaction (or $0.50 for each balance inquiry). **Debit Card Point-of-Sale: No fee for Credit Option (Signature); $2.00 for Debit Option (using PIN #).