Mid-Hudson ATM/ Debit Card Notes

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.

Citizens Bank

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


  • *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).

Provident Bank

  • When you combine your Provident Bank checking account, debit card and Internet Banking you get rewarded with StatementRewards. StatementRewards is a free feature of Internet Banking that presents money-saving opportunities directly within your Internet Banking statement.
  • *Offsite ATM fees may be waived with qualifying accounts. Provident Bank may refund other banks' surcharges with qualifying accounts.

Rhinebeck Bank

  • Debit card customers are automatically enrolled in the free ScoreCard Rewards Program, earning points toward merchandise and travel (when credit option is selected).
  • *Offsite ATM fees: $2.00 for cash withdrawal, balance inquiry or funds transfer (this fee may be waived with qualifying account, conditions apply). **POS fee is $2.00 for PIN based transactions; no fee when "credit" option is chosen.

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.

Wells Fargo Bank

  • *As a WFB account holder, there are no fees for transactions at Wells Fargo Bank ATMs (exception: $1.00 for ATM statement with certain accounts). **Offsite ATMs: Balance inquiry fee $2.00; Transfer between accounts $2.00; Transaction $2.50; International transaction (outside US and US territories) $5.00. International Purchase Transaction Fee: 3% of transaction amount.