Mid-Hudson 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.

- 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.

- Provident Bank

  • 50 Checking Account: For Seniors Only.
  • Pro Checking Account: No minumum balance needed with direct deposit. Can also meet minimum balance requirements with $3,000 in combined deposit balances.

- Rhinebeck Savings Bank

  • Basic Banking Account: No fee for Seniors. No fee for deposits or other credits.
  • Priority Classic Account: Per Item Fee waived with minimum balance. Mininum Balance can include other deposit accounts and/or loans.
  • Priority Select Account: Per Item Fee waived with minimum balance. Mininum Balance can include other deposit accounts and/or loans.
  • Priority Preferred Account: Mininum Balance can include other deposit accounts and/or loans.
  • Priority Elite Account: Mininum Balance can include other deposit accounts and/or loans.

- TD Banknorth NA

  • Simply Free Account: NSF Fee: Occurrences 1-2 = $25; occurrences 3 - 6 = $30; 7 or more occurrences = $35.
  • Interest Checking Account: NSF Fee: Occurrences 1-2 = $25; occurrences 3 - 6 = $30; 7 or more occurrences = $35.
  • Simply More Account: Monthly service fee waived with Direct Deposit. NSF Fee: Occurrences 1-2 = $25; occurrences 3 - 6 = $30; 7 or more occurrences = $35.
  • Simply Preferred Account: NSF Fee: Occurrences 1-2 = $25; occurrences 3 - 6 = $30; 7 or more occurrences = $35.
  • Student Checking Account: NSF Fee: Occurrences 1-2 = $25; occurrences 3 - 6 = $30; 7 or more occurrences = $35.

- The Bank of New York

  • Free Checking with Direct Deposit Account: Online Banking Fee waived with balance of $5,000.
  • Balance Checking Account: Must keep $5,000 for free online banking or link with a saving/CD account or a $4.99 monthly fee will be assesses. If minimum balance is not maintained, there is a $0.50 per check processing fee.
  • Investors Checking (NOW) Account: Must keep $5,000 for free online banking or link with a saving/CD account or a $4.99 monthly fee will be assesses. If minimum balance is not maintained, there is a $0.50 per check processing fee.

- Wachovia Bank

  • Crown Banking Account: Minimum Balance requirement can be met by maintaining $5,000 in Checking and Savings accounts or a balance of $4,000 with Direct Deposit or a balance of $10,000 that includes your checking and savings accounts plus outstanding loans.
  • Crown Select Banking Account: Minimum Balance requirement can be met by maintaining $10,000 in Checking and Savings accounts or a balance of $20,000 that includes your checking and savings accounts plus Certificates of Deposit and outstanding loans.
  • Crown Classsic Banking Account: Minimum Balance requirement can be met by maintaining $1,000 in Checking and Money Market accounts or loans. Must be over 50.