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Regular Checking
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Interest Checking (NOW ACCOUNT)
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ATC Free Student Checking1
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Basic Banking
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BankOn
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| Initial deposit
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$1
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$1
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$1
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$1
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$25
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| Minimum daily balance (to waive monthly maintenance fee)
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$500
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$500
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None
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None
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None
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| Monthly maintenance fee
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$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.
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$5, if minimum daily balance not maintained
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None
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$3
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$4.95
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| Transaction fees***
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$0.20 per check; $0.15 per deposit; $0.06 per foreign (non-ATC) items deposited.
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
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$0.20 per check
Fees waived if minimum daily balance is maintained
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Get 4 withdrawals or up to $15 of fee-free surcharges at non-ATC ATMs per statement period
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12 free withdrawals, then $0.20 per debit transaction (withdrawal, check paid, automatic transfer, or payment out of this account)
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None
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.
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| Interest
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No
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Yes
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No
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No
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No
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| Interest rate
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N/A
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See deposit rates*
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N/A
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N/A
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N/A
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| Interest compounding
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N/A
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Monthly
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N/A
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N/A
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N/A
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| Minimum balance to obtain interest rate disclosed
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N/A
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$500
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N/A
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N/A
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N/A
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| Transaction limitations
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None
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None
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None
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None
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There are no check-writing privileges associated with this account.**
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Statement options:
e-Statement
Paper Statement
Paper statement with check images
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Reduce monthly service charge by $2
No additional charge
Additional $1 monthly service charge
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Reduce monthly service charge by $2
No additional charge
Additional $1 monthly service charge
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No charge
No additional charge
No charge
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Reduce monthly service charge by $2
No additional charge
No charge
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No Charge
$2 statement fee
Not applicable
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Learn More
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Learn More
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Learn More
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Learn More
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Learn More
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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.
**BankOn Checking does not offer paper checks.
***See the full disclosure, including fee schedule for other fees which may apply at AdirondackTrust.com.
[1] Your ATC Student Checking Account will automatically convert to a Regular Checking Account when you reach the age of 24.