Person using an ATM

Bank Fees - Checking Accounts

Capital Region (Note to Institutions: If you do not see your products listed here please contact us. Click here for our contact form.)

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INSTITUTION

PHONE

ACCT
NAME

INT
YIELD

MIN
TO
OPEN

MIN
TO
AVOID FEES

MONTHLY
SERVICE
FEE

CHECK
RETURN
WITH
STMNT

#
FREE
ITEMS

PER
ITEM
FEE

NSF
FEE

OVERDRAFT
PROTECTION

ONLINE
BILL
PYT
FEE

NOTES

ADIRONDACK
TRUST CO

518-584-5844

Basic

$3.00

YES

$.20

$30

YES

ADIRONDACK
TRUST CO

518-584-5844

NOW

.10%

$500

$5.00

YES

All

$0.20

$30

YES

ADIRONDACK
TRUST CO

518-584-5844

Regular

$500

$3.00

YES

$.20

$30

YES

BANK OF AMERICA

800-432-1000

Advantage

.05%

$100

$25000

$25

YES

All

N/A

$25

YES

BANK OF AMERICA

800-432-1000

My Access

$25

$5.95

YES

All

N/A

$25

YES

BANK OF AMERICA

800-432-1000

Regular

$100

$750

$12.00

YES

All

N/A

$25

YES

BANK OF AMERICA

800-432-1000

Campus
Edge

$25

YES

All

N/A

$25

YES

BANK OF AMERICA

800-432-1000

Preferred

.05%

$100

$10000

$18

YES

All

N/A

$25

YES

CITIZENS BANK

877-360-2472

Personal
with Interest

.05%

$50

$1000

$10

YES

All

N/A

$35

YES

CITIZENS BANK

877-360-2472

Circle
with Interest

.15%

$100

$7500

$15

YES

All

N/A

$35

YES

CITIZENS BANK

877-360-2472

Circle

$100

$5000

$15

YES

All

N/A

$35

YES

CITIZENS BANK

877-360-2472

Circle
Gold

.50%

$100

$20000

$20

YES

All

N/A

$35

YES

CITIZENS BANK

877-360-2472

Green

$25

YES

All

N/A

$35

YES

FIRST NIAGARA
BANK

800-421-0004

Preferred

.10%

$10000

$10

YES

All

N/A

$30

YES

FNB

FIRST NIAGARA
BANK

800-421-0004

Prestige

.15%

$50000

$15

YES

All

N/A

$30

YES

FNB

FIRST NIAGARA
BANK

800-421-0004

Value

YES

All

N/A

$30

FNB

FIRST NIAGARA
BANK

800-421-0004

E-Checking

YES

$.50

$30

FNB

HSBC BANK
USA NA

800-975-4722

Choice
Checking

$1500

YES

ALL

N/A

$35

YES

HSBC BANK
USA NA

800-975-4722

Basic
Checking

YES

$.35

$35

YES

HSBC BANK
USA NA

800-975-4722

Student

YES

All

N/A

$35

YES

HSBC BANK
USA NA

800-975-4722

Premiere
Checking

.05%

$100000

$50

YES

All

N/A

$35

YES

HSBC BANK
USA NA

800-975-4722

Plus
Checking

.02%

$15000

$15

YES

All

N/A

$35

YES

KEYBANK

800-539-9055

Key
Advantage

.05%

$50

$10000

$15

YES

All

N/A

$32

YES

KEYBANK

800-539-9055

Key
Express

$50

YES

All

N/A

$32

YES

KEYBANK

800-539-9055

Key
Student

$50

YES

All

N/A

$32

YES

KEYBANK

800-336-4750

Key
Privilege

.40% -
.50%

$50

$25000

$25

YES

All

N/A

$32

YES

KEYBANK

800-336-4750

Key
Privilege
Select

1.00% -
2.00%

$50

$100000

$25

YES

All

N/A

$32

YES

MANUFACTURERS &
TRADERS TRUST CO

800-724-2440

Basic
Banking

$25

YES

All

N/A

$18

YES

$2.95

MANUFACTURERS &
TRADERS TRUST CO

800-724-2440

Direct
Checking

$25

$1500

$5.95

YES

All

N/A

$18

YES

MANUFACTURERS &
TRADERS TRUST CO

800-724-2440

Power
Checking

.75%

$25

$50000

$24

YES

All

N/A

$18

YES

MANUFACTURERS &
TRADERS TRUST CO

800-724-2440

Select
w/Interest

.05%

$25

$5000

$14

YES

All

N/A

$18

YES

MANUFACTURERS &
TRADERS TRUST CO

800-724-2440

Totally
Free

$25

YES

All

N/A

$18

$2.95

MANUFACTURERS &
TRADERS TRUST CO

800-724-2440

Classic
w/ Interest

.05%

$25

YES

All

N/A

$18

Yes

PIONEER SAVINGS
BANK

518-274-4800

Better
Checking

YES

All

N/A

$25

YES

PIONEER SAVINGS
BANK

518-274-4800

NOW
Account

.25%

$500

$9.00

YES

All

N/A

$25

YES

TD BANKNORTH NA

800-836-0853

Value
Checking

YES

$0.50

$35

YES

TD BANKNORTH NA

800-836-0853

50+ Checking

.10%

$100

$10

YES

All

N/A

$35

YES

TD BANKNORTH NA

800-836-0853

Convenience
Checking

$100

$15

YES

All

N/A

$35

YES

TD BANKNORTH NA

800-836-0853

Premier
Checking

0.00 -
1.00%

$2500

$25

YES

All

N/A

$35

YES

TRUSTCO BANK

800-670-3110

Free Interest
Checking

.20

$25

$250

$6.00

YES

All

N/A

$28

YES