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Monthly Maintenance Fees

AccountMinimum Daily Balance to Avoid Monthly Maintenance FeeMonthly Maintenance Fee
Community CheckingN/ANo monthly fee
Interest CheckingN/ANo monthly fee
Student Checking (for students up to age 24)N/ANo monthly fee
Statement Savings$100$2.00
Money Market$1,000$10.00

Special Handling Fees

ATM Fees
ATM Access (per foreign transaction)*No fee to use CFG Bank,
M&T Bank and Allpoint ATMs
ATM/Debit Reorder (card or PIN)$8.00
Point of Sale (POS) TransactionNo fee

*Allpoint ATMs, M&T Bank ATM and CFG Bank transactions are not subject to surcharge usage fees; some banks may surcharge for use of their ATM machine

Other Services

Other ServicesFee
Account Closed within 6 months of opening date$25.00
Account Reconcilement (per hour, minimum one hour)$20.00
ACH Return$12.00
Attachments, Levies, Subpoenas, etc.  (plus research & attorney fees – cost varies)$100.00
Cashier’s Check/Official Check$10.00
Check or Document Copy (per page)$5.00
Check PrintingVaries
Deposited Item/Loan Payment Returned$12.00
Dormant Accounts (no activity for 2 years)$10.00
Foreign Check Collection (plus fee of paying bank)$30.00
Fee for Excessive Transactions (for accounts with limited transactions)$5.00 per item
Inactivity Fee after 6 months (no activity for 6 months on checking accts. w/balance of $10 or less)$10.00
Non-Sufficient Funds/Overdraft (paid or returned)*$37.00
Research Fee (rate per hour – minimum one hour)$30.00
Returned Statement Fee – second incident$6.00
Statement or Activity Printout$3.00
Stop Payment$30.00
Wire Transfers – Domestic/Incoming$12.00
Wire Transfers – Domestic/Outgoing$25.00
Wire Transfers In/Out – International$45.00

*Student Checking Non-Sufficient Funds Fee $20

Effective August 1, 2022

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