Service Fees
Last Updated September 1, 2023
Fees subject to change.
| Account Basics | Fee |
|---|
| 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 | Fee |
|---|
| Return Check, electronic item, paid overdraft | $30.00 |
| Overdraft protection from savings to checking | $10.00 |
| eServices | Fee |
|---|
| 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 Services | Fee |
|---|
| 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 Transfers | Fee |
|---|
| Domestic Wire Transfer (Incoming) | FREE |
| International Incoming Wire Transfer | $15.00 |
| Domestic Wire Transfer (Outgoing) | $35.00 |
| International Wire Transfer (Outgoing) | $35.00 |
| Loan Products | Fee |
|---|
| 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 |
