Bank Fees - ATM & Debit Cards Capital Region (Note to Institutions: If you do not see your products listed here please contact us. Click here for our contact form.) Click here for an explanation of these columns. Click here for an explanation of these columns if your browser does not support javascript. Click here for all ATM & Debit Card account notes if your browser does not support javascript. INSTITUTION PHONE ATM CARD ANNUAL FEE ONSITE ATM FEE OFFSITE ATM FEE POINT OF SALE FEE ATM SURCHARGE OFFERS DEBIT CARD? PIN OR SIGNATURE TRANSACTIONS DEBIT CARD FEES DEBIT CARD REWARD PROGRAM NOTES ADIRONDACK TRUST CO 518-584-5844 None $0.00 $0.00 $0.00 $0.00 YES YES $1.00/mo.      BANK OF AMERICA 800-841-4000 None $0.00 $2.00 $0.00 $2.00 YES YES None See Note BA CAPITAL BANK & TRUST 518-434-1212 None $0.00 $1.50 $0.00 $1.50 YES YES None None   CITIZENS BANK 800-600-0008 None $0.00 $2.00 $0.00 $2.00 YES YES None See Note CB FIRST NIAGARA BANK 800-421-0004 None $0.00 $1.00 $0.00 - 0.35 $1.50 YES YES None See Note FNB HSBC BANK USA NA 800-975-4722 None $0.00 $1.50 $0.00 $1.75 YES YES None     KEYBANK 800-539-2968 None $0.00 $2.00 $0.00 $2.00 YES YES None See Note KB MANUFACTURERS & TRADERS TRUST CO 800-724-2440 None $0.00 $2.00 $0.50 non-credit $2.00 YES YES None See Note M PIONEER SAVINGS BANK 518-274-4800 None $0.00 $1.00 $0.50 non-credit $1.50 YES YES None   PSB TD BANKNORTH NA 518-438-2006 None $0.00 $0.00 $0.00 $1.75 YES YES None See Note TD TRUSTCO BANK 518-436-9043 None $0.00 $1.00 $0.00 $2.50 YES YES None   T

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