Effective: November 19, 2020

Account Closing (within first 90 days): $20.00

Account Statements:
Additional Copy of Statement (per month): $7.00
Interim Account Statement: $5.00

Account to Account Transfer (online transfer made to another institution): $2.00
Balancing Checking Account (per hour): $20.00
Business Accounts – 2 Signatures Required on Checks (monthly charge): $25.00
Check Images Returned in Statement (charged monthly): $15.00
Closing/Transferring of IRA Account: $15.00
Court Ordered Levies: $100.00
Empty ATM Envelope Deposit: $20.00
Fax (send/receive): $10.00
Foreign Check Collection: $30.00
Foreign ATM Fee: $2.00
Gift Cards: $3.50
Lost Passbook: $10.00
Money Orders & Official Bank Checks: $5.00
Notary Service (per item): $2.00


Overdraft/Insufficient (NSF) Fees (max of 5 fees daily)
Paid Overdraft Fee*: $30.00
Returned Overdraft Fee*: $30.00

Over-the-Counter Check (per item): $2.00

Photo Copies
Paid Sawyer Item (Bank Check/Money Order): $5.00
Check Copies for Deposited Items (per page): $2.00

Platinum Money Market Early close Out: $250.00
Protest Sawyer Check: $30.00
Remote Deposit Capture – 1st of each month: $10.00
Replace ATM/Debit Card: $15.00
Research Time/Hour: $25.00
Returned Deposited Item: $10.00
Safe Deposit Box Lost Key**: $35.00
Safe Deposit Boxes Drill**: $250.00
Statements Returned for Wrong Address: $5.00
Statement Savings Account Balance Falls Below $100 (monthly charge): $2.00
Stop Payment (per check, ACH, and On-Line Banking Items): $30.00
Stop Payment (Range of Items): $35.00
Wire Transfer Outgoing/Incoming (Domestic): $30.00
Wire Transfer Outgoing/Incoming (International): $40.00

*This fee is imposed for overdrafts created by checks, in-person withdrawals, ATM withdrawals or by other electronic means, as applicable. Includes items paid, returned, ACH items for checking and savings accounts per item

**Note: FDIC Insurance does not apply to Safe Deposit Boxes.

In an effort to keep our customers and employees safe during this time of rising COVID cases, effective Thursday, January 6th, 2022 our Saugerties, Marlboro and Highland branch lobbies will be CLOSED temporarily. Our Drive-Up windows and Fast Track Banking ARE AVAILABLE. Learn More