Finger Lakes Checking Account Notes

- 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.

- Canandaigua National Bank & Trust

  • E*ssentials Account: Monthly Service Fee is (A) $0 with direct deposit and 3 direct debits or (B) $3 with direct deposit or 3 direct debits.
  • Traditional Checking Account: Monthly Service Fee reduced $2 if checks not returned. Note: No fee if you are under 22 or over 55.
  • Traditional Plus Account: Monthly Service Fee reduced $2 if checks not returned.

- CitiBank

  • EZ Checking Account: Monthly Service Fee waived with direct deposit. Without direct deposit the Monthly Service Fee is $7.50 plus $1 per check if more than 10 checks are processed.
  • Citibank Account: Monthly Service Fee waived with direct deposit. Without direct deposit the Monthly Service Fee is $12.00 plus $.50 per check.
  • Everything Counts Account: If $10,000 minimum balance is not maintained, the Monthly Service Fee is $25 plus $0.50 per check processed.
  • Citigold Account: Interest rate earned is tiered based upon the account balance. Minimum Balance may be met with a home mortgage of at least $250,000.
  • Citibank Access Account: Monthly Service Fee waived with direct deposit. This account does not include check writing privileges.
  • Basic Checking Account: If the minimum $1,500 balance is not maintained or direct deposit is not used, the Monthly Service Fee includes up to 8 debit charges and 8 checks. If there are more than 9 debit charges, the Monthly Service Fee is$9.50 with an additional fee of $0.50 per check.

- 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

- Five Star Bank (formerly National Bank of Geneva)

  • Totally Free Checking Account: Images of checks are not mailed but can be viewed online. Persons desiring overdraft protection should check the other checking account offerings.
  • Standard Account: Persons desiring overdraft protection should check the other checking account offerings.
  • NOW Interest Account: Per item fee of $.50 is waived if minimum balance is maintained.
  • Relationship Silver Account: The Minimum Balance Requirement of $15,000 must contain at least $10,000 in deposits. Yield is tiered based upon the account balance.
  • Relationship Gold Account: The Minimum Balance Requirement of $25,000 must contain at least $10,000 in deposits. Yield is tiered based upon the account balance.

- 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.