Mobile Banking That Works
Manage everything from anywhere with our WebWise app. Budget, deposit checks, track goals—all in your pocket.
Earn While You Spend
Get rewarded for everyday purchases. 1 point for every $3 spent with your Visa® Debit Card at bars, restaurants, gas stations, and convenience stores.
Send Money In Minutes
Zelle® makes splitting bills and sending money as easy as sending a text. Over 100 million people enrolled.
Never Write Another Check
Pay all your bills electronically. Schedule payments, manage everything online, save time for what matters.
Choose Your UnmATChed Checking Account*
Basic Banking
✓ Non interest-bearing
✓ $1 initial opening deposit
✓ No minimum balance required
✓ Overdraft line of credit available**
✓ Ideal solution for those who write very few checks per month or purchase money orders regularly
Regular Checking
Most Popular
✓ Unlimited check writing
✓ $1 initial opening deposit
✓ $500 minimum daily balance
✓ Monthly account statement options, including e-statements with front-and-back check images
✓ Overdraft line of credit available**
Interest Checking
✓ Earn interest on your balance
✓ Unlimited check writing
✓ $1 initial opening deposit
✓ $500 daily minimum
✓ Statement options, including e-statements with front-and-back check images
✓ Overdraft line of credit available**
✓ Perfect for larger balances
* All personal checking accounts include WebWise Online and Mobile Banking, Scorecard Rewards, Zelle, eBill Pay, and Money Management
** Subject to credit approval
Compare all personal checking accounts
Over 120 Years of unmATChed service
Local families have trusted us since 1901 because we combine cutting-edge technology with the personal attention you won’t find at big banks.
✓ Local decision-making. Get answers faster.
✓ Personal relationships. Your banker knows your name.
✓ Community investment. Your money stays local.
✓ FDIC insured. Your deposits are protected up to $250,000.
Ready to experience banking that's unmATChed?
Milton Branch
162 Northline Road
Ballston Spa, NY 12020
(518) 884-4922
Hours
Lobby
Monday to Wednesday, from 9 a.m. to 3 p.m.
Thursday to Friday, from 9 a.m. to 6 p.m.
Saturday, from 9 a.m. to 1 p.m.
Drive-Through
Monday to Wednesday, from 8 a.m. to 3 p.m.
Thursday to Friday, from 8 a.m. to 6 p.m.
Saturday, from 9 a.m. to 1 p.m.