Personal Checking Accounts At-A-Glance

You deserve a bank that goes the extra mile with you. Working alongside you. Collaborating in your success. Refer to this comparison chart for help deciding the checking solution that best fits your needs, complements your lifestyle and meets you wherever you are.

	Regular Checking	Interest Checking (NOW ACCOUNT)	ATC Free Student Checking¹	Basic Banking	BankOn
Initial deposit	$1	$1	$1	$1	$25
Minimum daily balance (to waive monthly maintenance fee)	$500	$500	None	None	None
Monthly maintenance fee	$3, if minimum daily balance is not maintained. You can also waive the fee with $1,000 daily balance in your linked savings account or at least one direct deposit of $100 or more during the cycle. Linking your savings account is not automatic; you must tell us the accounts you wish to link by contacting our customer service representatives or visiting one of our branches.	$5, if minimum daily balance not maintained	None	$3	$4.95
Transaction fees²	$0.20 per check; $0.15 per deposit; $0.06 per foreign (non-ATC) items deposited.	$0.20 per check	Get 4 withdrawals or up to $15 of fee-free surcharges at non-ATC ATMs per statement period	12 free withdrawals, then $0.20 per debit transaction (withdrawal, check paid, automatic transfer, or payment out of this account	None
Transaction fees²	Fees waived if minimum daily balance is maintained or with $1,000 in your linked savings account or with direct deposit of $100 or more during the cycle	Fees waived if minimum daily balance is maintained			No NSF (non-sufficient fund) or Overdraft fees will be charged; transactions that overdraw the account will not be paid. However, there may be times when a negative balance in the account can occur, such as if a transaction is authorized for one amount but the actual charge is more than the money in the account. If a negative balance in the account does occur, we will not charge you an overdraft or NSF (non-sufficient fund) fee. Dynamic Deposit Account Sweep services are not available on this account.
NYCE withdrawal fee for each transaction at ATMs we do not own or operate³	$1	$1	Rebated up to $15 per month.²	$1
Interest	No	Yes	No	No	No
Interest rate	N/A	See deposit rates4	N/A	N/A	N/A
Interest compounding	N/A	Monthly	N/A	N/A	N/A
Minimum balance to obtain interest rate disclosed	N/A	$500	N/A	N/A	N/A
Transaction limitations	None	None	None	None	There are no check-writing privileges associated with this account.⁵
Statement options:
e-Statement	Reduce monthly service charge by $2	Reduce monthly service charge by $2	No charge	Reduce monthly service charge by $2	No Charge
Paper Statement	No additional charge	No additional charge	No additional charge	No additional charge	$2 statement fee
Paper statement with check images	Additional $1 monthly service charge	Additional $1 monthly service charge	No charge	No charge	Not applicable
	Learn more about Regular Checking	Learn more about Interest Checking NOW	Learn more about ATC Free Student Checking	Learn more about Basic Banking	Learn more about BankOn

See the full disclosure, including FEE SCHEDULE for other fees which may apply.

1 Your ATC Student Checking Account will automatically convert to a Regular Checking Account when you reach the age of 24.
2 See the full disclosure, including fee schedule for other fees which may apply at AdirondackTrust.com.
3The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal, or other electronic means.
4For existing customers, revisions will be effective 30 days after we mail notice to you.
5 BankOn Checking does not offer paper checks.