Fees & Service Charges

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

Automated Teller Machine (ATM) Transaction Charges

Fees for transactions processed at any non-proprietary Automated Teller Machine (ATM).

Withdrawal $1.00
Funds Transfer $0.50
Balance Inquiry
**No fee will be charged for POS (Point Of Sale) transactions**

Bank Items

Money Orders (Available To Customers Only) $1.50
Official Checks (Available To Customers Only) $3.00
Replacement ATM/Debit Card $7.00
VISA Gift Card $3.95

Deposit Account Charges

Deposited Item Returned Unpaid $10.00
Non-Sufficient Funds - per each submission / resubmission
returned for insufficient funds / uncollected funds.
Maximum 6 (six) fees per business day.

        NSF Returned Items (Checks, ACH, EFT, ATM) $30.00
        NSF Paid Items (Checks, ACH, EFT, ATM) $30.00
        Bounce Paid Items (Checks, ACH, EFT, ATM) $30.00
Inactivity Fee (assessed after 12-months of no account activity.  MMDA & Savings exempt from monthly fee) $5.00
Stop Payment Order $20.00
Furnishing Special Statements $5.00
Issuing New Account Due to Loss or Theft $5.00
Check Image CD (DIGICHECK) $15.00
Over The Counter Checks: First Page FREE, Additional Pages $2.00 each
Account Research and Reproduction of Checks, Statements and Duplicate Copies of Documents Requested (per hour charge) $10.00
Sweep Services
        Balance Protection (Savings to Checking) per incident $3.00
        Balance Maintenance (Commercial Checking) monthly fee $50.00

Account Acce$$ Online Banking Bill Payment

Online Banking and Online Bill Pay Services FREE
Unlimited Bill Payment Service per Month FREE
Bill Payment Monthly Inactivity Fee (unused for twelve months) $5.00
Bank to Bank Incoming Transfer FREE
Bank to Bank Outgoing Transfer $3.00

Legal Document Processing Fee

Processing fee for legal documents such as a Subpoena, Levy, or Restraining Notice against your account. $100.00

Safe Deposit Boxes

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 Width Depth Annual Fee
(in inches) (in inches) (in inches)
1 3/4 4 1/2 22 $15.00
2 1/2 4 1/2 22 $20.00
4 1/2 4 1/2 22 $30.00
5 5 22 $35.00
3 10 22 $45.00
4 10 22 $55.00
5 10 22 $65.00
7 10 22 $75.00
10 10 22 $85.00

ACH Origination Charges

ACH Security Administration Fee $250.00 Annually
ACH File Initiated - per batch fee $2.50
ACH File Initiated - per item fee $0.18
First Four Tokens No Charge
Additional Tokens / Replacement Tokens $20.00 Each
ACH Item Returned Unpaid $10.00 Each

Check Safekeeping Service

If you participate in our Check Safekeeping Service, the following Fees may apply:

**You may request up to 12 check copies (images) per year at no charge**
Per check charge after the allowable 12 per year $1.00
**If you DO NOT USE our check Safekeeping Service, the following fee(s) may apply:**
Per check charge for copies of checks requested $5.00

Canadian Check

Canadian Check Processing Fee $25.00

Coin Processing - Commercial Customers

The 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.

Collections, Transfers, & Account Closings

Incoming Collections from Other Banks (per item) $10.00
Incoming Wire Transfer (Account Customers Only) $15.00
Outgoing Domestic Wire Transfer (Account Customers Only) $20.00
Outgoing International Wire Transfer (Account Customers Only) $45.00
Returned Wire Fee $25.00
Recall Wire Fee $50.00
Premature Closing Fee (Accounts Opened Less Than 180 Days) $10.00

Dormant Accounts

Dormant account holders will be charged the proportionate cost of publishing any notice that account funds will be turned over to New York State as abandoned property

Returned Mail

Mail Returned (If no change of address is provided)  $5.00

Bank teller accepting cash under window glass.
Bank to Bank Transfers

See Our Commercial Services

Woman taking photo of check with phone in cafe.
Mobile Check Deposit

Snap & deposit from anywhere.