If your balance falls below the required minimum balance of $1,000 during the statement cycle and you are charged the $6.00 monthly service charge, you will receive credits on your monthly statement for:

• eStatements - you will receive a credit of $3.00 for using electronic statement delivery rather than paper, and/or
• Debit Card Transactions - you will receive a $2.00 credit by having 15 or more debit card transactions (excluding those at ATMs) posted during the statement cycle.

You may deposit 30 items into this account each statement cycle. A fee of $0.10 will be imposed for each subsequent item deposited.
Instant-issue debit cards are available for pick-up at Main and Crossgates West locations.

*IDProtect® - Identity Theft Monitoring and Resolution Services
 Help better protect yourself, your family and your joint account owners with our identity theft monitoring and resolution service¹ that includes credit file monitoring², 3-in-1 credit report, monitoring of over 1,000 public databases, identity theft expense reimbursement³, fully managed resolution services, and more.

**Cellular Telephone Protection³

Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. Maximum of two claims per year. Covers the first three phones on a cellular telephone bill paid through your checking account. (Cellular telephone bill must be paid using eligible account.)

¹IDProtect service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. Service is not available to a “signer” on the account who is not an account owner. Family includes: spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.

²Credit file monitoring from Experian and TransUnion will take several days to begin following activation.

³Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefit or on the certificate of insurance.

Maintain a minimum daily balance of $1,000 to obtain the disclosed Annual Percentage Yield.
Interest paid on tiers for balances greater than $1,000. Interest will be compounded monthly.  If the account is closed before interest is credited, you will not receive the accrued interest.
You may deposit 30 items into this account each statement cycle. A fee of $0.10 will be imposed for each subsequent item deposited.
Instant-issue debit cards are available for pick-up at Main and Crossgates West locations.

Electronic payment from Club account only to receive 1/4% discount on installment loans.
Maintain a minimum daily balance of $1,000 to obtain the disclosed Annual Percentage Yield. Interest will be compounded monthly.  If the account is closed before interest is credited, you will not receive the accrued interest.
You may deposit 30 items into this account each statement cycle. A fee of $0.10 will be imposed for each subsequent item deposited.
Instant-issue debit cards are available for pick-up at Main and Crossgates West locations.

NewU Checking offers a low-limit debit card for the first 12 months. Application for standard bank debit card may be made after account has been opened and in good standing for 12 months.
Instant-issue debit cards are available for pick-up at Main and Crossgates West locations.
Copy of checks/deposits- $1 per item
You may deposit 30 items into this account each statement cycle. A fee of $0.10 will be imposed for each subsequent item deposited.

Student Checking offers a low-limit debit card.
Instant-issue debit cards are available for pick-up at Main and Crossgates West locations.
First 3 foreign ATM transactions free per statement cycle.
After account holder reaches the age of 23, this account will convert to a ProtectU checking account.

Maintain a minimum daily balance of $1,000 to obtain the disclosed Annual Percentage Yield. Interest will be compounded monthly.  If the account is closed before interest is credited, you will not receive the accrued interest.
You may deposit 30 items into this account each statement cycle. A fee of $0.10 will be imposed for each subsequent item deposited.
Instant-issue debit cards are available for pick-up at Main and Crossgates West locations.

Maintain a minimum daily balance of $10,000 to obtain the disclosed Annual Percentage Yield. Interest paid on tiers for balances greater than $10,000. Interest will be compounded monthly.  If the account is closed before interest is credited, you will not receive the accrued interest.
You may deposit 30 items into this account each statement cycle. A fee of $0.10 will be imposed for each subsequent item deposited.
Instant-issue debit cards are available for pick-up at Main and Crossgates West locations.