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Direct Rewards Checking:

1$2.00 Paper Statement fee per cycle.

High Interest Checking:

*Annual Percentage Yield (APY) is accurate as of 9/17/2019. 4.00% APY is for 12 months from account opening if account qualifications and rate tiers are met. 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 4.00% to 0.10% 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 account is opened and after promotional period.

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. Intra?bank transfers and ATM transactions do not count as qualifying transactions. At least one electronic direct deposit of salary, pension, or government benefits is required each statement cycle to avoid a $5 monthly maintenance fee. Minimum deposit is $15.

Current checking account holders or those who have closed a checking account within the last 90 days are not eligible for this offer. Limit one new checking account per tax ID. 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. Fees may reduce earnings. Promotion may end without notice. Member FDIC.



Simply Checking:

1$2.00 per month Paper Statement Fee.