West Southern Tier 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.

- First National Bank of Dryden

  • NOW Checking Account: Per item fee waived if minimum balance is maintained.
  • Regular Checking Account: Per item fee waived if minimum balance is maintained.

- First National Bank of Groton - No Online Banking at this time

  • Personal Checking Account: Per item fee waived if minimum balance is maintained.
  • Money Market Checking Account: Per item fee waived if minimum balance is maintained.

- 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.

- 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.

- Tioga State Bank

  • Rewards Checking Account: Three requirements per qualification cycle: Confirmed enrollment in TSB Online E-Statements, make 12 or more purchases using your TSB debit card, and one direct deposit or ACH debit per cycle.