Deposit Products
Checking Accounts
Personal Checking
- Minimum Opening Deposit: $500
- Monthly Service Fee: $15 or $0 if Average Daily Collected Balance is $500 or more.
- No charge for the first 10 checks paid. Thereafter, $0.20 per paid check per statement cycle.
Basic Banking
- Minimum Opening Deposit: $25
- Monthly Service Fee: $3
- No charge for the first 8 checks paid. Thereafter, $0.50 per paid check per statement cycle.
- No Minimum Balance
- Must be a New York State Resident
Money Market
- Minimum Opening Deposit: $1,500
- Minimum Daily Collected Balance to Earn Interest: $1,500
- Monthly Service Fee: $10 or $0 if Average Daily Collected Balance is $1,500 or more.
- No charge for the first 6 debits (not including In-Branch withdrawals). Thereafter, $10.00 charge per item paid per statement cycle.
- Interest is compounded daily and paid monthly
N.O.W.
- Minimum Opening Deposit: $2,500
- Minimum Daily Collected Balance to Earn Interest: $2,500
- Monthly Service Fee: $10 or $0 if Average Daily Collected Balance is $2,500 or more.
- $0.20 per debit per statement cycle.
- Interest is compounded daily and paid monthly
Savings Accounts
Personal Savings
- Minimum Opening Deposit: $250
- Minimum Daily Collected Balance to Earn Interest: $250
- Monthly Service Fee: $4 or $0 if Average Daily Collected Balance is $250 or more.
- Interest is compounded daily and paid monthly
Time Deposits
Certificate of Deposit (CD)
- Minimum Opening Deposit: $2,500
- Early Withdrawal Penalty applies
- Interest is compounded daily and paid at maturity
- Click to view current CD rates and terms
Individual Retirement Account (IRA)
- Minimum Opening Deposit: $500
- Traditional and Roth IRA available
- Early Withdrawal Penalty applies.
- Interest is compounded daily and paid at maturity
Checking Accounts
Business Checking
- Minimum Opening Deposit: $500
- Monthly Service Fee: $20 or $0 if Average Daily Collected Balance is $1,000 or more.
- No charge for the first 50 items (per deposit ticket, deposit items, credit, or debit). Thereafter, $0.30 per item per statement cycle. No charge for deposits and checks paid if daily average collected balance is $50,000 or more per statement cycle
Money Market
- Minimum Opening Deposit: $1,500
- Minimum Daily Collected Balance to Earn Interest: $1,500
- Monthly Service Fee: $10 or $0 if Average Daily Collected Balance is $1,500 or more.
- No charge for the first 6 debits (not including In-Branch withdrawals). Thereafter, $10.00 charge per item paid per statement cycle.
- Interest is compounded daily and paid monthly
Savings Accounts
Business Savings
- Minimum Opening Deposit: $250
- Minimum Daily Collected Balance to Earn Interest: $250
- Monthly Service Fee: $4 or $0 if Average Daily Collected Balance is $250 or more.
- Interest is compounded daily and paid monthly
Time Deposits
Certificate of Deposit (CD)
- Minimum Opening Deposit: $2,500
- Early Withdrawal Penalty applies
- Interest is compounded daily and paid at maturity
- Click to view current CD rates and terms.