A conceptual photo od wooden blocks spelling out the word "FEES" with small stacks of coins on top of each block.

Fees & Service Charges



All bank fees and service charges are subject to change without notice.
 

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account:

 Overdraft Fee Categories: The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check or draft, in-person withdrawal, ATM withdrawal, or other electronic means.





Nonsufficient Funds (NSF) Fee - each returned/paid item Non-Sufficient funds per each submission/resubmission, returned/paid for insufficient funds/uncollected funds.
$30.00
6 per day

Bounce Paid item - Per each submission/resubmission.
$30.00
6 per day

Dormant Account Fee - Dormant account holders may be charged the proportionate cost to send a certified mailing or publish any notice that account funds will be turned over to New York State as abandoned property.

  

Inactivity Fee - Monthly fee assessed to Checking Accounts after one year of inactivity.
MMDA, Savings Accounts and Opportunity Checking are exempt.
$5.00

Deposit Item Returned Unpaid

 $10.00

Stop Payment Order

 $20.00

Furnishing Special Statements
$5.00
per statement

Check Image CD

 $15.00

Counter Checks
$2.00
per page

Cashier's Check - Issued to active account customers only.
$5.00

Money Orders - Money Orders issued to active account customers only.
$1.50
per item

Account Research - Reproduction of checks, statements and duplicate
copies of documents requested.
$10.00
per hour charge

Sweep Services - Balance protection per incident

 $3.00

Sweep Services - Balance maintenance monthly.

 $50.00

Account Closing Fee - For accounts opened less than 180 days.

 $10.00

Check Cashing Fee - For non-customer.
$5.00
per item

Mobile Deposit - Personal
Your daily deposit limit is $2,500 and up to 10 items per day. Monthly deposit limit is $10,000 and up to 20 items per month.

Mobile Deposit - Business
Your daily deposit limit is $2,500 and up to 10 items per day. Monthly deposit limit is $10,000 and up to 25 items per month. Additional plans available, additional fees may apply.

Digital Banking Bill Payment (to business)
$50,000.00
daily limit

Digital Banking Bill Payment (to individual)
A total of $6,000.00 per day
$3,000.00
per item

Digital Banking Bill Payment Inactivity Fee
Monthly fee if unused for twelve consecutive months
$5.00

Digital Banking - Bank to Bank Transfer (incoming)
Per business day regardless of the number of accounts you are using
$25,000.00
daily limit

Digital Banking - Bank to Bank Transfer (outgoing)
Per business day regardless of the number of accounts you are using
$4,000.00
daily limit

Digital Banking - Bank to Bank Transfer (outgoing fee)
PThere is no fee for incoming Bank to Bank transfers
$3.00
per transfer

ATM & Debit Card Withdrawal Limit
ATM Withdrawal
$500.00
daily limit

Debit Card - Consumer Card
Point of Sale (POS)

 $2,000.00
daily limit

Debit Card - Commercial Card
Point of Sale (POS)

 $3,000.00
daily limit

Debit Card - HSA Card
Point of Sale (POS)

 $2,000.00
daily limit

ATM Withdrawal Limit - Opportunity Checking Account
ATM Withdrawal

 $200.00
daily limit

Debit Card - Opportunity Checking Account
Point of Sale (POS)

 $500.00
daily limit

ATM Withdrawal
Fees processed at any non-proprietary ATM not owned by WSB

 $1 .00
per transaction

ATM Funds Transfer
Fees processed at any non-proprietary ATM not owned by WSB

 $0.50
per transaction

ATM Balance Inquiry
Fees processed at any non-proprietary ATM not owned by WSB

 $0.50
per transaction

Replacement ATM/Debit Card Money Orders
Issued to active account customers only
$7.00

Wire Transfer (incoming) $20.00
Wire Transfer (outgoing domestic)  Account Customers Only.  Cutoff time for outgoing wires is 3:30 p.m. $25.00
Wire Transfer (outgoing international)  Account Customers Only.  Cutoff time for outgoing wires is 3:30 p.m. $45.00
Wire Transfer (returned wire fee) $25.00
Wire Transfer (recall wire fee) $100.00

ACH Origination (per batch)

 $2.50

ACH Origination (per item)

 $0.18

ACH Origination Security Administration (annually)

 $250.00

ACH Origination Tokens (First four tokens are free)

 $20.00

ACH Origination - Item Returned Unpaid

 $10.00

Returned Mail Fee
If no change of address provided

 $5.00

Canadian Check Processing Fee
Customers only
$25.00
per check

Coin Processing
Commercial customers, first $500.00 in loose coin will be processed and deposited
at no-charge. A charge of 1 % will be imposed for the total amount processed over $500.00

Legal Processing Fee

 $100.00

Safe Deposit Boxes are available at our Chaumont, Alexandria Bay, Commerce Park, Adams, State St. and Main office locations. The contents of your Safe Deposit Box may not be fully protected against loss under the insurance coverage maintained by the Bank or Safe Deposit Box Company.

PLEASE NOTE: Safe Deposit Boxes are not FDIC insured. You may wish to secure your own insurance through an insurance company of your choice.

Height
(in inches)
Width
(in inches)
Depth
(in inches)
 Annual Fee
1.75" 4.50" 22.00" $15.00
2.50" 4.50" 22.00" $20.00
4.50" 4.50" 22.00" $30.00
5.00"
 5.00" 22.00" $35.00
3.00" 10.00"  22.00"  $45.00
4.00" 10.00"  22.00" $55.00
5.00" 10.00" 22.00" $65.00
7.00" 10.00" 22.00" $75.00
10.00" 10.00" 22.00" $85.00