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Direct Rewards Checking:

1$2.00 Paper Statement fee per cycle.

High Interest Checking:

1Annual Percentage Yield (APY) is accurate as of 8/1/2018. 4.00% APY on balances up to $15,000 for 12 months from account opening if account qualifications and rate tiers are met is available to new checking account customers of Solvay Bank. Current checking account customers or those who have closed a checking account within the last 90 days are not eligible for this offer.

The APY for current checking account customers or those who have closed an account in the last 90 days is 2.00% APY on balances up to $15,000 if account qualifications and rate tiers are met. Limit one new checking account per tax ID. Account holder must meet the following qualifications each statement cycle to earn rate and ATM refunds: (1) post and clear 12 debit card purchases; (2) post one electronic direct deposit; (3) receive eStatements. At least one electronic direct deposit of salary, pension, or government benefits is required each statement cycle to avoid a $5 monthly maintenance fee. New accounts are subject to bank account opening requirements and applicants must be residents of Cayuga, Cortland, Madison, Oneida, Onondaga and Oswego counties within New York State. High Interest Checking Special: If your daily balance is $15,000 or less, the interest rate will be 3.93% with an APY of 4.00%. An interest rate of 0.10% will be paid only for that portion of your daily balance that is greater than $15,000. The APY for this tier will range from 0.10% to 4.00% depending on the balance in the account. If monthly qualifications are not met, the rate will be 0.05% with a 0.05% APY on all balances. Rate may change after promotional period.

High Interest Checking: If your daily balance is $15,000 or less, the interest rate will be 1.98% with an APY of 2.00%. An interest rate of 0.10% will be paid only for that portion of your daily balance that is greater than $15,000. The APY for this tier will range from 0.10% to 2.00% depending on the balance in the account. If monthly qualifications are not met, the rate will be 0.05% with a 0.05% APY on all balances. Rate is subject to change after account opening.

Minimum deposit is $15. Fees may reduce earnings. Promotion may end without notice.

New accounts are subject to bank account opening requirements and applicants must be residents of Cayuga, Cortland, Madison, Oneida, Onondaga and Oswego counties within New York State.

Qualifying transactions must post and clear to the account during the monthly statement cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra‐bank transfers & ATM transactions do not count as qualifying transactions.

2ATM Fee reimbursements up to $25 provided only if qualifications are met within the monthly statement cycle.

3At least one electronic deposit of salary, pensions, or government benefits from an employer or the government is required each statement cycle to avoid a $5.00 monthly maintenance fee.

4Third party internet/data fees may apply.

Simply Checking:

1$2.00 per month Paper Statement Fee.