It's time to open your ATC checking account
You’ve made a smart choice with ATC savings. Now's the time to complete your banking story with checking that delivers convenience, rewards, and community impact.
Everything you need in one place
Imagine having all your financial needs housed in one place. When you pair your Adirondack Trust savings with a checking account, you'll enjoy plenty of benefits that make managing your money a breeze.
Digital Banking
Banking That Fits Your Life
WebWise Online & Mobile Banking
24/7 account access from anywhere with our secure, user-friendly platform
Mobile Check Deposit
Snap a photo, tap to deposit. Skip the trip to the branch entirely
Bill Pay
Schedule payments, set up recurring bills, never worry about late fees
Account Alerts
Stay informed with real-time notifications about your account activity
Zelle
Send money instantly to friends and family with just their email or phone
Rewards & Benefits
Every Purchase Pays You Back
Visa Debit Card
Accepted worldwide with advanced security features and fraud protection
Scorecard Rewards
Earn points on every purchase that you can redeem for travel, merchandise, restaurants, and more
Overdraft Protection
Link to your savings account for automatic coverage when you need it*
* Subject to credit approval
Money Management
Take Control of Your Financial Future
MX Money Management
Advanced budgeting tools and spending analysis to help you reach your goals
All Accounts View
See accounts from other banks and credit unions all in one convenient dashboard
Spending Categories
Automatically categorize transactions to understand exactly where your money goes
Financial Goals
Set savings targets, track progress, and get personalized tips to achieve your dreams
Mobile-First Design
Optimized for your smartphone so you can manage money wherever life takes you
Perfect Together: Your Savings + Our Checking
Your ATC savings account proves you value community banking and smart financial choices. Adding checking completes the picture.
Seamless Money Management
✓ Instantly transfer between your ATC accounts
✓ See your complete financial picture in one place
✓ Maximize savings while maintaining daily access
✓ No more juggling multiple bank relationships
Benefits that build on each other
✓ Higher relationship benefits as a complete ATC customer
✓ Streamlined banking with one trusted local partner
✓ Enhanced online banking features across all accounts
Ready to complete your banking story?
You're already a part of the ATC family
As a valued savings customer, opening your checking account takes just minutes. We’ll handle the details while you enjoy the benefits.
Multiple Ways to Get Started
✓ Online: Open your account in just a few minutes
✓ By Phone: Call (518) 518-5844 during regular business hours to speak with a local expert
✓ In Person: Visit any of our convenient neighborhood branch locations