Personal Checking Account Comparison - The Adirondack Trust Company
Main Content
Select the search type
  • Site
  • Web
Search
Skip Text

Our 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
  Initial deposit $1 $1 $1 $1
Minimum daily balance (to waive fees) $500 $500 None None
Monthly maintenance fee $3, if minimum daily balance not maintained

Fee waived with $1,000 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
Fees $0.20 per check; $0.15 per deposit; $0.06 per foreign (non-ATC) items deposited; $1 per transaction at non-ATC ATMs

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
$0.20 per check; $1 per transaction at non-ATC ATMs

Fees waived if minimum daily balance is maintained
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); $1 per transaction at non-ATC ATMs
Interest No Yes No No
Interest rate N/A See deposit rates* N/A N/A
Interest compounding N/A Monthly N/A N/A
Minimum balance to obtain interest rate disclosed N/A $500 N/A N/A
Transaction limitations None None None None
Statement options:
e-Statement


Paper Statement


Paper statement with check images
Reduce monthly service charge by $2



No charge


Additional $1 monthly service charge
Reduce monthly service charge by $2



No charge


Additional $1 monthly service charge
No charge



No charge


No charge
Reduce monthly service charge by $2



No charge


No charge
Learn More Learn More Learn More Learn More

See the full disclosure, including FEE SCHEDULE for other fees which may apply. *For existing customers, revisions will be effective 30 days after we mail notice to you.

[1] Your ATC Student Checking Account will automatically convert to a Regular Checking Account when you reach the age of 24.

You are leaving Adirondack Trust Company's web site.

The web site you have selected is an external one located on another server. Adirondack Trust Company has no responsibility for any external Web site. It neither endorses the information, content, presentation, or accuracy nor makes any warranty, express or implied, regarding any external site.

Thank you for visiting Adirondack Trust Company's Web site.

Continue
×

Unsecure Email Disclosure

Your privacy is very important to us. We would like to advise you that Internet email is not a secure method of communication. Please do not submit any information that you consider confidential. We recommend you do not include any specific identifying information such as your social security, account, PIN numbers, date of birth, etc...

Continue
×

Affiliate Website Notice

By clicking Continue, you will be taken to our affiliate's website. Products and services offered shown will be provided by our affiliated entity. Some products offered may not be FDIC insured. Please read the privacy and security policies on our affiliate's website. In some instances, these policies may differ from those of FIS 2020.

Continue
×