Southern Tier 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.

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. Chemung Canal Trust Company 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 Natl Bank of Dryden

  • *The monthly charge for a Visa Check card or ATM Card is $1.00 per month (waived for customers 50 and older).

First Natl Bank of Groton

  • ATM/Debit Card fee is $1 per month. *Transaction fee for cash withdrawals at onsite FNBG ATMs in Groton and Monrovia: 6 free per cycle, $1.00 each starting with the 7th withdrawal. **Transaction fee for cash withdrawals at other institutions' ATMs: 4 free per cycle then $1.00 each starting with the 5th withdrawal.

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.

JPMorgan Chase Bank

  • Optional no annual fee Disney Debit Card offers discounts on merchandise and other Disney perks.
  • *Offsite ATM fee may be waived with qualifying accounts. Otherwise, $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 (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).

NBT Bank

  • Visa Extras Rewards program is available with no annual fee. Redeem points for movie tickets, gift certificates, restaurants, travel certificates, home furnishings, hotel stays and more.

Peoples Neighborhood Bank

  • Peoples Neighborhood Bank is now offering CardCash, earn 1% cash back on your qualified non-PIN debit card purchases (terms and conditions apply)
  • All of Peoples Neighborhood Bank's personal checking accounts include: no PNB fee for ATM transactions, instant issuance of Visa Check Card and free PNB Visa Check Card use.

Tioga State Bank

  • *Offsite ATM fees may be reimbursed with qualifying account(s), limits and conditions apply.

Tompkins Trust Company

  • Visa True Rewards: Earn points towards merchandise, gift cards, travel and more. Every time you select the "credit" option you'll earn 1 point for every $2 you spend.
  • *Some offsite ATM fees may be waived with qualifying account(s).