The Redwood National Bank is constantly striving to promote growth within the communities of Northern New York while providing our customers with a level of customer service unmatched in the local banking community.

SERVICE CHARGE & FEE SCHEDULE

Business Checking Accounts
Personal Checking Accounts
Now Accounts
Money Market Account
New York Basic Banking Account
General Account Related Service Charges
Other Convenient Banking Services
Loans


Business Checking Accounts

Monthly Maintenance
No Additional Per Item Charge

12.5


Personal Checking Accounts

Monthly Maintenance if balance in account falls
below $500 any day.


5.00

The Monthly Charge will be waived on regular personal checking accounts if you are age 62 or older or if the account is credited electronically by direct deposit.


Now Accounts

Monthly Maintenance if balance in account falls
below $500 any day.


7.50


Money Market Account

Monthly Maintenance if balance in account falls
below $2500 any day.


10.00


New York Basic Banking Account

Monthly Maintenance

3.00

Excess Transaction Fee of $.25 will be charged for each debit transaction in excess of eight during each periodic cycle.


General Account Related services Charges

Abandoned Property
A/C Recononciliation (Per Hr)
Bank Money Order
Canadian Draft
Certified Check
Coupon Deposit (Per Envelope)
_____In Region
_____Out of Region
Fax (per page)
In Branch Statement
Duplicate Statement
Legal Papers Served Requiring Bank
To Hold or Remit Money
Loan Coupon Book Replacement
Locked Money Bag with 2 Night Drop Keys
Additional or Lost Night Drop Key
Official Check
Overdraft Charge (per item)
Photocopy
Protest Check
_____Plus .20 per notice
_____Plus Postage
Research (per hour)
_____Does not include copy charge
Return of Deposited Item
Savings Overdraft Transfer
Stop Payment Order
Wire Transfer
_____Incoming
_____Outgoing - Domestic
_____Outgoing - Foreign

Deposited Item Pre-Encoded Reject

10.00
10.00
3.00
7.00
10.00

10.00
15.00
1.00
3.00
5.00

50.00
5.00
25.00
10.00
5.00
15.00
.25
20.00


25.00

8.00
3.00
15.00

5.00
15.00
25.00

.05


Other Convenient Banking servicess

ATM’s
Bank-By-Mail
Certificates Of Deposit
Checking Accounts
Christmas Clubs
Direct Deposit
Drive-In-Banking
Individual Retirement Accounts
Night Depository
Overdraft Protection
Safe Deposit Boxes
Savings Accounts
Travelers Checks
U.S. Savings Bonds

 

Loans

Commercial
Home Equity
Mastercard/Visa
Personal
Ready Reserve Credit
Residential Mortgage
Student Loans

 

Member F.D.I.C

Equal Housing Lender