Central New York Checking Account Notes

- Alliance Bank

  • Alliance Gold Account: Monthly fee for returning checks is $2. Tiered Interest Yield based upon deposit balance.
  • Interest Checking Account: Monthly fee for returning checks is $2.
  • Free Checking Account: Monthly fee for returning checks is $2.
  • Alliance 50 Account: For Seniors age 50+.
  • Alliance 50 Plus Account: Many non-bank savings/discounts for Seniors with $4 fee.

- 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.

- Geddes Federal S & L Assn

  • Super NOW Checking Account: Monthly Service Fee is assessed if balance drops below $2,500, but account will still earn interest.

- HSBC Bank USA NA

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

- JP Morgan Chase Bank

  • Premier Checking Account: Extra $2 fee for returning checks. NSF Fee: 1st occurrence = $25; occurrences 2 - 4 = $32; 5 or more occurrences = $35.
  • Better Banking Account: Need $2,500 balance to start earn interest. No fee for money orders, trav checks, etc. NSF Fee: 1st occurrence = $25; occurrences 2 - 4 = $32; 5 or more occurrences = $35.
  • Chase Checking Account: Monthly service fee waived with Direct Deposit. NSF Fee: 1st occurrence = $25; occurrences 2 - 4 = $32; 5 or more occurrences = $35.
  • Basic Checking Account: NSF Fee: 1st occurrence = $25; occurrences 2 - 4 = $32; 5 or more occurrences = $35.
  • Premier Platinum Account: Minimum Balance can be in Checking and Investment accounts only. NSF Fee: 1st occurrence = $25; occurrences 2 - 4 = $32; 5 or more occurrences = $35.
  • College Checking Account: Monthly Service Fee and Online Bill Payment Fee waived for 5 years if parent has qualifying Chase Account; otherwise, fee applies regardless of balance kept. NSF Fee: 1st occurrence = $25; occurrences 2 - 4 = $32; 5 or more occurrences = $35.

- 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.

- Solvay Bank

  • Direct Rewards Account: Monthly service fee waived with Direct Deposit.
  • Basic Banking Account: Monthly service fee waived with Direct Deposit.
  • Money Market Personal Account: Must have minimum balance of $2,500 to earn interest. Per Item Fee of $.15 applies if minimum balance is not maintained.
  • Money Market Advantage Account: If balance drops below $25,000, you will still earn interest but pay Monthly Service Fee. Per Item Fee of $.15 applies if minimum balance is not maintained.
  • Diamond Checking Account: Must be at least 50 to open.