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Kasasa Cash:

Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases less than $0.01, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Visit us www.pathfinderbank.com or call 315-343-0057 and speak to one of our branch service representatives for specific Monthly Qualification Cycle dates.

Reward Information:

¹When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $30,000 in your Kasasa Cash account earn an interest rate of 3.93% resulting in an Annual Percentage Yield (APY) of 4.00%; and average daily balances over $30,000 earn an interest rate of 0.50% on the portion of the average daily balance over $30,000, resulting in a range from 0.50% to 4.00% APY depending on the account's average daily balance.

APYs accurate as of 08/01/2023.

Blended APY Range of 4.00%-1.31% is an example of rates for account balances up to $130,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days; actual blended APY on statements may vary based on total account balance.

When your Kasasa Cash qualifications are not met, the interest rate earned on the account's entire average daily balance will be 0.05% resulting in an APY of 0.05% and ATM withdrawal fees are not refunded.

²You will receive reimbursements up to an aggregate total of $25.00 (up to $4.99 per single transaction) for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.

Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle.

Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. You will automatically qualify for the account’s rewards during your account’s first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards.

Additional Information:

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

$100.00 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of one (1) account per Social Security Number.

To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash account during each monthly qualification cycle: At least one (1) ACH credit or ACH payment transaction(s), at least twelve (12) debit card purchases, and you must be enrolled in and have agreed to receive e-statements.

³There are no recurring monthly maintenance charges or fees to open or close this account. Certain transaction and service fees may apply. Refer to the Fee Schedule for more information.  Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our bank service representatives at 315-343-0057 for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Member FDIC

Trademarks:

Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Kasasa Cash Back:

Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases less than $0.01, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.

Visit us at www.pathfinderbank.com or call 315-343-0057 and speak to one of our branch service representatives for specific Monthly Qualification Cycle dates.

Reward Information:
¹When your Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 3.00% cash back on up to a total of $300 debit card purchases that post and settle to the account during that cycle period. A maximum of $9.00 cash back payments may be earned per Monthly Qualification Cycle.

²You will receive reimbursements up to an aggregate total of $25.00 (up to $4.99 per single transaction) for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.

^1,2When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded.

Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. You will automatically qualify for the account’s rewards during your account’s first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards.

Additional Information:
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

$100.00 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of 1 account per Social Security Number.

To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash Back account during each monthly qualification cycle: At least 1 ACH credit or ACH payment transaction(s), at least 12 debit card purchases, and you must be enrolled in and have agreed to receive e-statements.

³There are no recurring monthly maintenance charges or fees to open or close this account. Certain transaction and service fees may apply. Refer to the Fee Schedule for more information.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our bank service representatives at 315-343-0057 for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Member FDIC.

Trademarks:
Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

Free & Easy Checking:

¹Certain transaction and service fees may apply. Refer to the Fee Schedule for more information.

NYS Department of Financial Services toll-free Consumer Hotline Telephone Number: 1-800-342-3736

Value Checking:

¹Certain transactions are not subject to decline. If any such transaction causes a negative balance, no overdraft fee will apply. While this account prevents you from overdrawing in most cases, there may still be times when your account could have a negative balance. This could happen if a transaction is approved for one amount, but the actual charge is more than the amount of money in your account. For example, when you use your debit card for a meal and then add a tip. In this situation, the full payment may go through and result in a negative balance on your account – in this case, we will not charge you an overdraft fee and you will not be able to use your debit card or withdraw funds from your account until you transfer or deposit enough money to bring your available balance positive. For information on overdrafts, examples of how they can occur, and how to prevent them, click here.

²Customers between 16 and 18 years old must apply with a joint account holder, such as parent or legal guardian. To open an individual account online, you need to be 18 years of age or older. If approved for Value Checking with negative past credit or banking history, proof of charge-off payment is required in order to move to another Pathfinder account.

³There is no charge from Pathfinder Bank for mobile banking, mobile payments, or text banking. However, you should review your mobile device plan for any fees that your service provider may charge. Check your plan for details. Your carrier may limit access outside the U.S. To access Text Banking and Mobile Alerts, log in to Online Banking and click on the Administration tab. From there, select Mobile Banking and follow the onscreen instructions to enroll.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Apple Pay and the Apple logo are registered trademarks of Apple Inc. App Store is a service mark of Apple Inc. Google Pay, Google App Store and the Google Pay logo are trademarks of Google, LLC. Samsung Pay is a registered trademark of Samsung. 

⁴If using any international, non-Allpoint or non-Pathfinder Bank ATM, a $2.00 ATM fee per withdrawal will apply as well as any possible fees charged by the third-party ATM holder.

⁵There is a $2.00 service fee to receive paper checking account statements. Refer to fee schedule.