Important Information Effective March 11, 2019

All About Your Account(s) – Terms & Disclosures:
Cross County Savings Bank is amending its All About Your Account(s) – Terms & Disclosures. We are making these changes in order for you to better understand the terms & conditions of your Cross County Savings Bank account(s) and to afford you additional overdraft services. To receive a copy of the amended terms & disclosures, please visit your local branch and request a copy, or request a copy by calling (718) 326-6300 in order to receive a free copy by mail. 

Daily Cap of Certain Fees (Consumer accounts only):
Cross County Savings Bank will not assess more than an aggregate of five (5) Insufficient Funds charge(s), Uncollected Funds charge(s), and/or Premium OD fee(s) per day, per account. Please refer to Cross County Savings Bank’s Fee Schedule for additional information regarding fees.

De Minimis Transactions (Consumer Accounts Only):
Cross County Savings Bank will not assess an Insufficient Funds charge, Uncollected Funds charge, or Premium OD fee for transaction(s) of $10.00 or less (“De Minimis Item”), in the event that your account is overdrawn or as a result of a transaction that will cause your account to become overdrawn. If the De Minimis Item is paid utilizing Overdraft Protection Transfer you may be charged an Overdraft Protection Transfer fee. As a courtesy, we may also pay a De Minimis Item, even if you may not have enrolled in Premium Overdraft and/or Overdraft Protection Transfer services, although we are under no obligation to do so.   

Overdraft Protection Transfer (Consumer Accounts Only):
You may avoid overdrafts by linking an eligible Cross County Savings Bank account (“Linked Account”) to an eligible Cross County Savings Bank account (“Protected Account”) by enrolling in Overdraft Protection Transfer. Once your eligible account is linked, we will automatically move funds from your Linked Account to your Protected Account if you do not have sufficient funds on deposit in your Protected Account to cover a specific item presented for payment. Your Linked Account will be charged an Overdraft Protection Transfer fee each time a transfer is completed. Please refer to Cross County Savings Bank’s Fee Schedule for additional information regarding fees. 

Fee Schedule:
Cross County Savings Bank will be amending its Fee Schedule. Please see an itemized list below of the fees that are being amended. To receive a copy of our amended Fee Schedule, please visit your local branch and request a copy, or request a copy by calling (718) 326-6300 in order to receive a free copy by mail.  
 

New Fees Effective as of March 11, 2019

Fee

Overdraft Protection Transfer Fee

$12.00

 

Fee Description Change Effective as of March 11, 2019

New

Old

Fee

Daily ATM Foreign Transaction Fee*

*reflects daily aggregate fee(s)

ATM Foreign Transaction Fee

$2.50/per item