As your local bank, we’re here to help you succeed.
One of the most important day-to-day financial tools you have is your checking account, and Pathfinder Bank offers a variety of accounts to fit your unique financial requirements. Whether you want to earn interest on your balance, get cash back, or keep it simple with a no-fuss, basic account, we have what you need to keep track of your money—and make the most of it.
Copyright © 2024 Pathfinder Bank. All rights reserved.
Open one of our Kasasa® Checking Accounts and get free checking that earns rewards each month you qualify.1
SMART MONEY MANAGEMENT
STARTS WITH THE RIGHT CHECKING ACCOUNT.
Free Kasasa® Checking Accounts
Manage your everyday spending needs with ease and enjoy the freedom of hassle-free banking with our Free and Easy Checking Account. Features include:
Free & Easy Checking Account
- Optional Overdraft Protection—you’ll have peace of mind knowing you’re protected from accidental overdrafts6
This interest-bearing account rewards your higher balances with higher interest rates,7 ensuring your money grows alongside your trust in us. Premier Checking features include:
Premier Checking Account
Whether you're new to banking, need a fresh start, or you’re following a budget, this secure account provides what you need, and takes away the worry about overdraft fees. Features of Value Checking include:
Value Checking Account
- Free Debit Card with Allpoint Network ATM access8 to over 55,000 surcharge-free ATMs, including ATMs in retailers like Target, CVS, and Walgreens
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)3
- No monthly maintenance fees or minimum balance requirements4
- Allpoint Network ATM access6 to over 55,000 surcharge-free ATMs, including ATMs in retailers like Target, CVS, and Walgreens
- uChoose Rewards Program—earn points on every purchase with your debit card and redeem for gift cards, merchandise, and more9
All Pathfinder checking accounts feature:
- Zelle® — a fast, safe and easy way to send money in minutes to friends, family and others you trust13
Have Questions About Pathfinder Bank Or The Checking Account Options Available To You?
Give Us A Call At 315-343-0057.
Kasasa® Account Details:
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.
Depending on what Kasasa account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle:
When 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. When your Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you can earn 3.00% - 5.00% cash back on up to a total of $300 debit card purchases that post and settle to the account during that cycle period based on your lending relationship with Pathfinder Bank. A maximum of $15.00 cash back payments may be earned per Monthly Qualification Cycle.
You 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.
Depending on your Kasasa account, when your qualifications are not met, nationwide ATM withdrawal fees are not reimbursed and:
• Kasasa Cash: the interest rate earned on the account's entire average daily balance will be 0.05% resulting in an APY of 0.05%.
• Kasasa Cash Back: no cash back payments are made.
Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle. 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.
APYs accurate as of 09/23/2024.
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.
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.
Advertised information and rewards are based on all account qualifications being met during each cycle period.
High rate claim is based on FDIC's National Weekly Rates for interest checking accounts. Claim is independent of any one institution's offerings. Comparison Source: Interest Checking, FDIC 07/30/2024. http://www.fdic.gov/regulations/resources/rates/.
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.
Other Disclaimers:
There 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.
Certain transaction and service fees may apply. $25 minimum deposit to open account. Refer to the Fee Schedule for more information.
Overdrafts are paid at our discretion. Pathfinder Bank does not guarantee that we will always authorize and pay any type of transaction.
Interest rates for Premier Checking vary and are subject to change. $500 minimum deposit to open. $500 minimum daily balance to earn interest. $1,000 minimum daily balance to avoid a $15.00 monthly fee. For current rates, see our rate sheet or contact us at 315-343-0057.
If you use an ATM that is not part of the Allpoint or Pathfinder Bank networks, a $2.00 fee will apply per withdrawal, in addition to any fees charged by the third-party ATM operator. Using an Allpoint Network ATM outside the U.S. incurs no surcharges, but may include a currency conversion fee. Please refer to the fee schedule for details.
Register your debit card on uChooseRewards.com to earn points on all signature based transactions. You can redeem your points for cash, travel, gift cards or merchandise.
Value Checking accounts do not incur overdraft fees, but transactions exceeding your balance may still be processed, resulting in a negative balance. No overdraft fee will apply, but debit card usage or withdrawals may be restricted until your balance is positive. A $25 minimum deposit to open account. $25 minimum balance is required to waive the $1.00 monthly service fee. See our Fee Schedule for details.
Customers 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.
Mobile Banking, Zelle, Mobile Wallet, and Mobile Deposit require a compatible device and enrollment in Online Banking. All are subject to separate terms and conditions. Mobile Deposit is subject to fees. Your mobile carrier’s messaging and data fees may apply.
Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle. Must have a bank account in the U.S. to use Zelle. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already enrolled with Zelle.
Accounts are subject to approval and additional terms may apply. A $2.00 fee applies for paper statements. Minimum opening balances vary. Deposits are FDIC insured up to the maximum allowed by law. For detailed information and account terms, visit www.pathfinderbank.com/disclosures or call us at (315) 343-0057.
Trademarks:
Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.
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.
Zelle® and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used under license.
uChoose Rewards is a registered trademark of Fiserv, Inc.
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SMART MONEY MANAGEMENT
STARTS WITH THE RIGHT CHECKING ACCOUNT.
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