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How are debit card fees charged?

Debit card electronic payment fees are charged at the time of the purchase or can be delayed until the following business day due to certain instances such as insufficient funds (NSF) or incorrect account information.

The types of debit card fees can be from Courtesy Pay, returned payments due to NSF, or international service fees (up to 1% of the transaction).

View the full list of fees that can be associated with your account.

Need further assistance? You can also call us at 518-886-3400 for support during normal business hours.

Current Rates

Auto Loans
APR as low as
3.99%
Fixed Rate 36 Month
Mortgages
APR as low as
5.50%
Fixed Rate 15-year fixed
Home Equity Line of Credit
APR as low as
2.99%
Adjustable 7/1 ARM (HELOC only)
VISA Credit Card
APR as low as
8.90%
  VISA Platinum Credit Card
logos of Bauer 5-star, America's Credit Union, Community Development Financial Institution, Equal Housing Opportunity, Marshall & Sterling Insurance, and National Credit Union Administration

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