No monthly fees. No maintenance fees. No minimum balance requirement. Just a checking account that is free to apply for and free to use. We’ll even buy you your first box of checks if you still use paper checks.
Be sure to protect your checking account from accidental overdraft. This can protect you from the embarrassment and expense of accidentally overdrawing your account.
Sign up for e-statements and get online bill pay at no cost!
Though it is a debit card (the funds come from your checking account), please always remember to select “credit” at a store and always sign for the transaction. If you need cash back at a store, only then do you select “debit”, and enter your PIN. Your PIN should be kept confidential and only used to get cash back, or to withdraw cash from an ATM. We employ sophisticated security to protect your card against fraudulent activity. To assist us in protecting your account, please give us a call if your are planning a trip outside of your local area, particularly prior to international travel, including Canada. This will ensure that our security features do not interfere with your card while traveling.
Our debit card provides you with access to more surcharge-free ATMs throughout the Southern Tier than any other financial institution. Any M&T ATM and numerous other financial institutions ATMs are free of charge with our debit card! Ask for details. You may be paying more for ATM usage right now than you need to. We can help you put a stop to that.