This Agreement contains important information that applies to all customers maintaining a checking account, savings account or CD with us and includes our funds availability policy, overdraft protection policy, and our privacy notice.
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Personal Accounts
These documents contain account, fee and interest rate information specific to our personal account products.
Personal Account Disclosures and Fees
Business and Municipal Accounts
These documents contain account, fee and interest rate information specific to our business and municipal account products.
Business and Municipal Disclosures and Fees
Important Notice: Increase in Debit Card Transaction Limits
At Pathfinder Bank, we are always working to improve your banking experience and provide you with greater flexibility. As part of our commitment to offering enhanced services, we are pleased to inform you that we’ve increased your transaction limits for your Personal, Business, and HSA debit cards to give you greater flexibility.
What’s Changing:
Effective August 29, 2024, your Pathfinder Bank debit card transaction limits increased as follows:
| Card Type | ATM Withdrawals |
IN-PERSON (PIN or Signature Based) |
NOT PRESENT (Online or Phone) |
|---|---|---|---|
| Personal Debit Card | $1,000 | $5,000 | $5,000 |
| HSA Debit Card | $300 | $10,000 | $10,000 |
| Business Debit Card | $2,000 | $10,000 | $10,000 |
*ATM transactions may be PIN-based only
This means you’ll now have more flexibility to make larger purchases and ATM withdrawals.
What You Need to Know:
- No Action Required: These changes will automatically take effect on September 25th, 2024. You do not need to take any further action.
- FDIC Insured: Please note that your deposits continue to be insured up to applicable limits by the Federal Deposit Insurance Corporation (FDIC).
- No Fees or Additional Costs: There are no new fees or charges associated with these changes.
How This Affects You:
With higher debit card limits, you can make larger transactions and access more funds at ATMs each day, giving you greater control over your banking needs.
Your Rights and Protections:
Your rights under Regulation E remain unchanged. If your card is lost or stolen, or if you notice any unauthorized transactions, please notify us immediately to limit your liability. You can refer to our Electronic Fund Transfers Disclosure Statement for details on your protections and responsibilities, or contact us for more information.
If you have any questions about these changes or your account or would like to change your limits, please contact us at (315) 343-0057, visit your nearest branch, or fill out a contact us form.
Thank you for banking with us! We value your business and look forward to continuing to serve you.
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1 Interest rates and Annual Percentage Yields are current as of December 4th, 2024 and are subject to change at the bank’s discretion.