Open An Account Online

473 Broadway Saratoga Springs, NY 12866
Phone: 518-584-5844

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Basic Banking Regular Checking NOW Checking
Required Initial Deposit
$1.00
$1.00
$1.00
Minimum Daily Balance
(to waive fees)
None
$500
$500
Monthly Maintenance
$3.00
$3.00 if Minimum Daily Balance not maintained.

Fee waived with $1,000 in your savings account or with direct deposit.
$5.00 if Minimum Daily Balance not maintained
Checking Fee Schedule
8 free withdrawals, then $0.20 per debit transaction (withdrawal, check paid, automatic transfer or payment out of this account); $1.00 per transaction at non-ATC ATMs


$0.20 per check
$0.15 per deposit; $0.06 per foreign (non-ATC) items deposited; $1.00 per transaction at non-ATC ATMs

Fees waived if Minimum Daily Balance is maintained or with $1,000 in your savings account or with direct deposit.
$0.20 per check
$1.00 per transaction at non-ATC ATMs

Fees waived if Minimum Daily Balance is maintained
Account Pays Interest
No
No
Yes
Interest Rate
None
None
Interest Compounding/Checking
None
None
Yes
Minimum Balance to Obtain Interest Rate Disclosed
None
None
$500
Transaction Limitations
None
None
None
Statement Options E-Statement - reduce monthly service charge by $2.00

Paper statement - no charge


E-Statement - reduce monthly service charge by $2.00

Paper statement - no charge

Paper statement with check images - additional $1.00 monthly service charge
E-Statement - reduce monthly service charge by $2.00

Paper statement - no charge

Paper statement with check images - additional $1.00 monthly service charge
For more information on account fees, please call 518-584-5844 or contact us.