Service Fees

Last Updated September 1, 2023

Fees subject to change.

Account BasicsFee 
 Non-Sufficient Fund (NSF) Item (each) $30.00 
 Courtesy Pay Fee (each)  $30.00
Non-Sufficient Fund (NSF) Transfer Fee (per item)  $10.00 
 Returned Item Fee (Check or ACH) (per item)  $30.00 
 Return Deposit Item (per item)  $30.00
 Check Copy (per item) $5.00 
 Statement Copy (per month) $10.00 
 Activity Printout $5.00
 Check withdrawal to non-member (per item) $5.00 
Check Cashing Fee (SUNY – Non-member) 1% of Check Total
Check Protest Fee $20.00
Certified Check Fee $5.00 each
Stop Payments (Checks and ACH) $30.00
Stop Payment (Teller check after 90 days only) $30.00
Money Market – 3 free monthly withdrawals $10.00 after 3rd withdrawal
Release Stop Payment $5.00
Dormant Account Fee $8.00 per month after 1 year
Account Closed within 90 Days of Opening $20.00
Holiday Club Early Closure Fee $20.00
Money Order (per item) $2.00
Returned Mail Fee $5.00
Execution Notice (per restraint) $50.00
Reporting Abandoned Property to NYS $10.00
Foreign Item Clearing Fee ($25 item minimum to fee) $5.00
Foreign Currency Order $14.50 (shipping fee)
IRA Transfer Fee Out $30.00
Account Balancing Services $25.00/ Hour
Account Research $50.00/ Hour

 

Checking/Money Market Account Fees 
Return Check, electronic item, paid overdraft $30.00
Overdraft protection from savings to checking $10.00
eServicesFee
Online & Mobile Banking Services FREE
Bill Pay/Zelle/Transfer Now Services FREE
Bill Pay (Overnight Fee) $14.95
Bill Pay (Same Day Payment) $9.95

 

Card ServicesFee
VISA Debit Card Transactions FREE
Replace Lost (Debit, Credit Card or Travel Card) $10.00
VISA Gift Card (Initial Load Fee) $5.00
VISA Gift Card (Inactivity Fee after 12 months) $5.00 per month
VISA Gift Card (International Transactions) 2% Transaction Fee
VISA Travel Card (Initial Load Fee) $5.00
VISA Travel Card (Reload Fee) $5.00
VISA Everyday Card (Initial Load Fee) $5.00
VISA Everyday Card (Reload Fee) $5.00

 

Wire TransfersFee
Domestic Wire Transfer (Incoming) FREE
International Incoming Wire Transfer $15.00
Domestic Wire Transfer (Outgoing) $35.00
International Wire Transfer (Outgoing) $35.00

 

Loan ProductsFee
Loan Payment Late Fee $35.00
Credit Card Payment Late Fee $35.00
Mortgage Payment Late Fee 2% of Payment
Mortgage Application Fee 0.25% of Loan Amount
Skip Payment $35.00
Existing Loan Refinance (cash out) $35.00