Person using an ATM

Bank Fees - Checking Accounts

Finger Lakes (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

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

CANADAIGUA NATL
BANK & TRUST CO

585-394-4260

E*ssentials

$.50

$32

YES

CNBT

CANADAIGUA NATL
BANK & TRUST CO

585-394-4260

Advantage
Checking

.17%

$3500

$12

YES

All

N/A

$32

YES

CANADAIGUA NATL
BANK & TRUST CO

585-394-4260

Optimum

.20%

$20000

$15

YES

All

N/A

$32

YES

CANADAIGUA NATL
BANK & TRUST CO

585-394-4260

Traditional
Checking

$500

YES

All

N/A

$32

YES

CNBT

CANADAIGUA NATL
BANK & TRUST CO

585-394-4260

Traditional
Plus

.15%

$1000

YES

All

N/A

$32

YES

CNBT

CITIBANK N.A.

800-374-9500

EZ
Checking

$100

$1500

$7.50

YES

$0.50

$34

YES

CITI

CITIBANK N.A.

800-374-9500

Citibank
Account

.25%

$100

$6000

$12

YES

$0.50

$34

YES

CITI

CITIBANK N.A.

800-374-9500

Everything
Counts

.25%

$100

$10000

$25

YES

$0.50

$34

YES

CITI

CITIBANK N.A.

800-374-9500

Citigold
Account

.50%

$500

$100000

$25

YES

All

N/A

$34

YES

CITI

CITIBANK N.A.

800-374-9500

Citibank
Access

$50

N/A

$34

YES

CITI

CITIBANK N.A.

800-374-9500

Basic
Checking

$1500

$3 -
9.50

YES

$.50

$34

YES

CITI

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

.15%

$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

FIVE STAR BANK

877-226-5578

Basic
Banking

$25

$.50

$30

YES

FIVE STAR BANK

877-226-5578

Totally
Free

$25

ALL

N/A

$30

FSB

FIVE STAR BANK

877-226-5578

Standard

$25

$500

YES

All

N/A

$30

FSB

FIVE STAR BANK

877-226-5578

NOW
Interest

$25

$1000

YES

All

See
Note

$30

YES

FSB

FIVE STAR BANK

877-226-5578

Premier

$25

All

N/A

$30

YES

FIVE STAR BANK

877-226-5578

Relationship
Silver

.05%-
.15%

$25

$15000

$10

YES

All

N/A

$30

YES

FSB

FIVE STAR BANK

877-226-5578

Relationship
Gold

.05%-
.15%

$25

$25000

$15

YES

All

N/A

$30

YES

FSB

HSBC BANK
USA NA

800-975-4722

Choice
Checking

$1500

YES

$.30

$33

YES

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

JP MORGAN
CHASE BANK

877-682-4273

Premier
Checking

.01%

$25

$15000

$25

YES

All

N/A

$25

YES

JP MORGAN
CHASE BANK

877-682-4273

Better
Banking

$12

$1500

$10

YES

All

N/A

$25

YES

JP MORGAN
CHASE BANK

877-682-4273

Chase
Checking
w/Dir. Dep.

$25

All

N/A

$25

YES

JP MORGAN
CHASE BANK

800-400-6828

Premier
Platinum

.05% -
.15%

$5000

$75000

$35

YES

All

N/A

$25

YES

JP MORGAN
CHASE BANK

877-682-4273

College
Checking

$25

See
Note

$10

YES

All

N/A

$25

YES

$4.95

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

0.40% -
0.50%

$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