Capital Region Checking Account Notes

Capital Region Checking Account Notes

- Adirondack Trust Co

Basic Account: $0.20 per check fee if minimum balance is not met. Monthly fee is reduced by $2.00 with E-Statement. $1.00 per month for check images with paper statements.
Now Account: Per item fee waived with minimum balance. Monthly fee is reduced by $2.00 with E-Statement. $1.00 per month for check images with paper statements.
Regular Account: Per Item Fees: $0.20 per check fee, 0.15 per deposit fee, 0.06 per deposit for foreign items. Monthly service fee is $0 with Direct Deposit. Monthly fee is reduced by $2.00 with E-Statement. $1.00 per month for check images with paper statements.

- Bank of America

Advantage Account: NSF Fee (for bounced checks): 1st day: $25.00 each item, 2nd + day during the current month and preceding 12 months: $35.00 each item.
My Access Account: Monthly service fee of $5.95 is $0 with direct deposit or qualifying online bill payment. For a limited time only - no fee if opened online. NSF Fee: 1st day: $25.00 each item, 2nd + day during the current month and preceding 12 months: $35.00 each item.
Regular Account: If minimum balance is not maintained, the monthly service fee is $10 for account holders using Direct Deposit or $12 without direct deposit. NSF Fee: 1st day: $25.00 each item, 2nd + day during the current month and preceding 12 months: $35.00 each item.
Campus Edge Account: No Monthly fee for 5 yrs while a student. NSF Fee: 1st day: $25.00 each item, 2nd + day during the current month and preceding 12 months: $35.00 each item.
Preferred Account: The monthly service fee is $16 for account holders using Direct Deposit or $18 without direct depositNSF Fee: 1st day: $25.00 each item, 2nd + day during the current month and preceding 12 months: $35.00 each item.

- First Niagara Bank

Preferred Account: Minimum balance to avoid fees is $10,000. This can be met if you have a CD or a mortgage for that amount.
Prestige Account: Minimum balance to avoid fees is $50,000. This can be met if you have a CD or a mortgage for that amount.
Value Account: Overdraft protection is offered only up to $400
E-Checking Account: Overdraft protection is offered only up to $400

- HSBC Bank USA NA

Student Account: Designed for Students
Premier Checking Account: Account qualifies for Premier MMA Account which pays interest based on balance.

- KeyBank

Key Advantage Account: Non Sufficient Funds Fee is $32. Also, a recurring fee of $28.50 applies every 5 days until sufficient funds have been deposited.
Key Express Account: Non Sufficient Funds Fee is $32. Also, a recurring fee of $28.50 applies every 5 days until sufficient funds have been deposited.
Key Student Account: Designed for Students. Non Sufficient Funds Fee is $32. Also, a recurring fee of $28.50 applies every 5 days until sufficient funds have been deposited.
Key Privilege Account: Non Sufficient Funds Fee is $32. Also, a recurring fee of $27 applies every 5 days until sufficient funds have been deposited.
Key Privilege Select Account: No minimum balance requirement for the first two months. Non Sufficient Funds Fee is $32. Also, a recurring fee of $27 applies every 5 days until sufficient funds have been deposited.

- Manufacturers and Traders Trust Co

Basic Banking Account: Monthly service fee waived with Direct Deposit. NSF Fee: 1st occurrence = $18; occurrences 2 - 4 = $35; 5 or more occurrences = $37.
Direct Checking Account: Monthly service fee waived with Direct Deposit. NSF Fee: 1st occurrence = $18; occurrences 2 - 4 = $35; 5 or more occurrences = $37.
Power Checking: NSF Fee: 1st occurrence = $18; occurrences 2 - 4 = $35; 5 or more occurrences = $37.
Select Checking w/Interest Account: NSF Fee: 1st occurrence = $18; occurrences 2 - 4 = $35; 5 or more occurrences = $37.
Totally Free Checking Account: NSF Fee: 1st occurrence = $18; occurrences 2 - 4 = $35; 5 or more occurrences = $37.
Classic with Interest Checking Account: NSF Fee: 1st occurrence = $18; occurrences 2 - 4 = $35; 5 or more occurrences = $37.
College Checking Account: NSF Fee: 1st occurrence = $18; occurrences 2 - 4 = $35; 5 or more occurrences = $37.

- TrustCo