Free
Checking

Interest 
Checking

Platinum 
Checking

Bonus 
Benefits

Unlimited Checking

Yes

Yes

Yes

Yes

Minimum Balance 
to Open Account

$50

$50

$50

N/A

Minimum Balance to 
Avoid Monthly Fee

N/A

$1,000 Average 
Collected Balance

N/A

N/A

Monthly Fee

$0

$10

$7

$4

Interest Paid

No

Tiered

No

No

Check Images

No

Yes

Yes

Yes

Check Safekeeping

Yes

Yes

Yes

Yes

Free Debit Card

Yes

Yes

Yes

Yes

Free Checks

No

No

Yes—One style

Yes—One style

Free Online Banking

Yes

Yes

Yes

N/A

Bill Pay

Yes

Yes

Yes

N/A

Additional Benefits such as 
Travel Accident Insurance, 
Discounts on Dining and 
Shopping, Payment Card 
and Personal Identity Protection

Available with  
Bonus Benefits

Available with  
Bonus Benefits

Included

Included

Bonus Benefits

Free Checks 
Receive your personally imprinted checks at no additional cost (one style, one box per order).

Check Images with Statement

$5,000 Travel Accidental Death Insurance
You’re protected with $5,000 Travel Accidental Death Insurance when you travel by automobile or licensed common carrier (scheduled airline, bus, taxi, and train).  

Estimated Annual Value of $12

Payment Card & Personal Identity Protection
If you ever lose a registered credit, debit, or ATM card, simply call our toll-free number, and all your card issuers will be notified for you. Should you become an identity theft victim, you are eligible for reimbursement of up to $1,000 in direct costs associated with recovering your identity.

Estimated Annual Value of $30

Emergency Travel Assistance Services
Travel with the peace of mind that help is as close as a phone call if you need emergency cash or assistance with lost/stolen luggage or travel documents.

Estimated Annual Value of $15

Local and National Dining Savings 
Enjoy savings of up to 50% at hundreds of dining establishments ranging from upscale restaurants to casual family eateries, for catering, take-out, and delivery.

Estimated Annual Value of $100

Local and Online Shopping Discounts
Enjoy access to discounts at a variety of retailers locally and online. Take advantage of savings on clothing, electronics, jewelry, books, and much more!

Estimated Annual Value of $25

Local Services Discounts 
Save up to 50% on professional services including dry cleaning, business services, photography, house cleaning, lawn care, and home security. In addition, you’ll enjoy discounted rates on various automotive services such as engine repairs, oil changes, new tires, bodywork, and more!

Estimated Annual Value of $25

Travel, Hotel, and Recreation Discounts 
Save up to 50% at over 15,000 hotels in popular destinations worldwide. Enjoy easy online access to discounts at properties such as Hilton, Sheraton, Residence Inn by Marriott, Holiday Inn, and many more! Enjoy preferred rates at several of the nation’s largest condo resort rental companies and save 10-25% on car and RV rentals. Also, take advantage of discounts on golf and ski vacation packages, airfare, theme park admissions, sporting event tickets, and many other exciting activities.

Estimated Annual Value of $150

Access to Your Benefits
With your Platinum Checking or Bonus Benefits accounts, you ’ll receive a special membership card with your personal number.  Carry it with you at all times.  Once you sign up, your membership card will allow you to access your benefits 24 hours a day,7 days a week.  Just go to www.cortland-banks.com and enter the membership number on the front of your card.

Platinum Checking
Our Best Checking Account for ONLY $7 A MONTH

Unlimited Checking 
With your Platinum Checking account, there are no minimum balance requirements or per-check charges.

Free Checks 
Receive your personally imprinted checks at no additional cost (one style, one box per order).

Free Online Banking and Free Bill Pay 
Enjoy the convenience of checking the status of your account anytime and anywhere you have Internet access. You also receive free unlimited bill pay. Pay all your bills with the simple click of a button!

Free Visa® Check Card
There are never any charges when you use your Visa® Debit Card at a Cortland Bank ATM. With your Visa Debit Card, you’ll never have to worry about carrying large amounts of cash.

Free New Safe Deposit Box
Receive a safe deposit box free for one year (subject to availability).

No Fee Traveler’s Checks 
Just stop by the bank, and we’ll provide these at no charge.

Check Images with Statement 
Enjoy the convenience of receiving images of your checks on your monthly statement. There’s less bulk for you to store, and imaged checks make it easy to keep all your banking information together.

$5000 Travel Accidental Death Insurance 
You’re protected with $5000 Travel Accidental Death Insurance when you travel by automobile or licensed common carrier (scheduled airline, bus, taxi, and train).

Payment Card & Personal Identity Protection 
If you ever lose a registered credit, debit, or ATM card, simply call our toll-free number, and all your card issuers will be notified for you. Should you become an identity theft victim, you are eligible for reimbursement of up to $1,000 in direct costs associated with recovering your identity.

Emergency Travel Assistance Services 
Help is as close as a phone call if you need emergency cash or assistance with lost/stolen luggage or travel documents.

Local and National Dining Savings 
Enjoy savings of up to 50% at hundreds of dining establishments ranging from upscale restaurants to casual family eateries, for catering, take-out, and delivery.

Local and Online Shopping and Services Discounts 
Enjoy access to discounts at a variety of retailers locally and online. Take advantage of savings on clothing, electronics, jewelry, books, and much more!  Also, save on professional and automotive services such as house cleaning, lawn care, oil changes and new tires!

Travel and Entertainment Discounts 
Save up to 50% at over 15,000 hotels in popular destinations worldwide. Take advantage of additional savings on car rentals, vacations, golf, movie tickets, theme parks and other exciting activities.

Pharmacy, Vision, and Hearing Savings Programs 
Members can save on prescriptions at over 57,000 participating pharmacies or order through the mail. Also, save up to 60% on eyeglasses and contact lenses at thousands of retail optical locations nationwide and by mail. Save over 15% on over 70 models of hearing aids through a nationwide network of hearing care offices.

All for one low monthly membership fee of only $7!

FEATURES

REGULAR BUSINESS

Earns Interest

No

Debits Per Month

Unlimited

Minimum Deposit to Open Account

$250.00 minimum

Required Average Collected Balance to Waive Fees

Average collected balance of $1,500.00 for account

Monthly Service Charge

$10.00 monthly fee if average collected balance falls below minimum

ATM

STAR^® – and VISA^® Debit

NetTeller (Internet) / Telephone Banking

Yes

Other Benefits

·No fee at Cortland Banks ATMs
·Direct deposit
·Free notary service
·Free telephone banking
·Free internet banking

FEATURES

PASSBOOK SAVINGS

STATEMENT SAVINGS

SUPER PASSBOOK SAVINGS & PLATINUM STATEMENT SAVINGS

CHRISTMAS SAVINGS

MMDA

FEATURES

Earns Interest

Yes

Yes

Yes

Yes

Yes

Earns Interest

Interest Rate Tiers

N/A

N/A

$ 1,000 -$ 9,999
$ 10,000.00 - $24,999
$ 25,000.00 - $74,999
$75,000.00 and up
 

N/A

$ 2,500 - $ 9,999
$ 10,000 - $ 49,999
$ 50,000 - $ 99,999
$ 100,000 - $499,999 $500,000 and up
 

Interest Rate Tiers

Minimum Deposit to Open Account

$50.00 minimum

$50.00 minimum

$1,000.00 minimum

N/A

$2,500.00 minimum

Minimum Deposit to Open Account

Required Average Collected Balance to Waive Fees

·Average collected balance of $200.00 required
·$4.00 quarterly fee if average collected balance falls below minimum (waived for age 50 and over and minors)

·Average collected balance of $200.00 required
·$4.00 quarterly fee if average collected balance falls below minimum (waived for age 50 and over and minors)

·Average collected balance of $1,000.00 required
·$5.00 monthly fee if average collected balance falls below minimum

No minimum

·Average collected balance of $2,500.00 required
·$10.00 monthly fee if average collected balance falls below minimum

Required Average Collected Balance to Waive Fees

ATM

No

STAR^® only

No

No

STAR^® – only

ATM

NetTeller (Internet) / Telephone Banking

Inquiry only

Yes

Inquiry only

NetTeller - Yes
Telephone Banking - No

Yes

NetTeller (Internet) / Telephone Banking

Excess Debit Charges

·Debits for this account will be limited to 12 debits per quarter
·$1.00 per debit over maximum (12)
·"Preauthorized", "automatic", and "telephone" transfers are restricted (6 per month, and no more than 3 of the 6 may be made payable to a third party).  Withdrawals or transfers made in person, by mail or ATM are not restricted.

·"Preauthorized", "automatic", and "telephone" transfers are restricted ( 6 per month, and no more than 3 of the 6 may be made payable to a third party).  Withdrawals or transfers made in person, by mail or ATM are not restricted.

·"Preauthorized", "automatic", and "telephone" transfers are restricted ( 6 per month, and no more than 3 of the 6 may be made payable to a third party).  Withdrawals or transfers made in person, by mail or ATM are not restricted.

Withdrawals are not allowed

·"Preauthorized", "automatic", and " telephone" transfers are restricted ( 6 per month, and no more than 3 of the 6 may be made payable to a third party).  Withdrawals or transfers made in person, by mail or ATM are not restricted.
·$5.00 per debit over maximum (6)

Excess Debit Charges

Additional Disclosures

·$5.00 quarterly fee is assessed to dormant and/or inactive accounts
·$20.00 fee if account closes during the first 90 days
·Online and telephone banking are limited to inquiries only

·$5.00 quarterly fee is assessed to dormant and/or inactive accounts
·$20.00 fee if account closes during the first 90 days
·Online and telephone banking cannot be used for bill pay

·$5.00 quarterly fee is assessed to dormant and/or inactive accounts
·$20.00 fee if account closes during the first 90 days
·Online and telephone banking are limited to inquiries only

·$5.00 quarterly fee is assessed to dormant and/or inactive accounts
·No interest if the account closes prior to scheduled payout
·Online banking limited to transfers in and inquiry only

$5.00 quarterly fee is assessed to dormant and/or inactive accounts

Additional Disclosures

Other Benefits

·Free telephone banking
·Free internet banking
·Free notary service
·Direct deposit

·Free internet banking
·Free notary service

·No fee at Cortland Banks ATMs
·Free notary service
·Direct deposit
·Free telephone banking
·Free internet banking

Other Benefits