Open An Account Online

473 Broadway Saratoga Springs, NY 12866
Phone: 518-584-5844

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Checking Services

WebWise® Online Banking

You will find that ATC’s Webwise Online Banking is a great tool for saving you time and money!

  • Free online banking and bill pay
  • Around-the-clock access to your money
  • Track and manage your finances
  • Transfer funds between linked ATC accounts
  • See if a check has cleared
  • Balance your account online
  • Retrieve your checking e-statement and check images (front and back) up to 7 years, anytime, online
  • Request a stop payment on your ATC checks
  • Pay Bills and set up recurring payments with ATC Bill Pay Service


ATC Bill Pay

Let’s you pay anyone, anywhere from your PC. You’ll never have to worry about missing a payment.

  • Schedule any payment type: one-time, recurring or future payments
  • Verify your payments
  • Personal payment history stored in system


Monthly Statement Options

You will receive a clear and simple record of all of your checking account activity. Our statements are organized by transaction type that makes balancing your checking accounts as easy as 1-2-3.

* FREE Online e-Statement with Images:
o Access your account statement safely anytime from the Internet via WebWise® Online Banking
o Receive a personal email reminder when your e-Statement is ready
o View and print your e-Statement including check images at your convenience
o Retrieve past statements from your account, organized by month and year for easy reference
o Reduce your checking account monthly service fee by $2.00 when you select this option
o Enrolling is easy, just login to your WebWise account, click on the enrollment button and follow the easy steps

  • Paper Statement Only

o Statement will be sent regular mail
o No canceled checks returned

  • Paper Statement with Check Images

o Statement sent regular mail
o Check images (front and back provided)
o Fee: additional $1.00 per month

ATC Visa® Debit Card


  • Use it as a check to pay for purchases automatically from your checking account so there is no interest to pay
  • Use it anywhere Visa® is accepted
  • Safer than carrying checks or cash
  • Access most ATMs worldwide where you see the Visa® logo to get cash or check your account balance
  • Each transaction is detailed on your monthly statement
  • No monthly debit card fee


ATC "At Your Convenience" ATM Card


  • 24/7 ATM access to your ATC Checking account
  • Withdraw cash at any participating ATM
  • Make deposits at any ATC Branch ATM
  • No fee cash withdrawals at any ATC ATM
  • Easier and safer than carrying checks
  • Each transaction detailed on your monthly statement
  • Use at any NYCE®, PLUS®, or HONOR® ATM worldwide


Overdraft Line of Credit


  • Eliminate the cost and embarrassment of overdrawing your checking account.
  • Simple application
  • Credit approval required
  • Automatically advances funds from your credit line to cover checks if your account becomes overdrawn (up to your approved overdraft credit limit)
  • Pay interest only on the amount advanced from your credit line


Check Reordering

To reorder checks online simply click here and you will be redirected to the Deluxe Corporation’s website.

  • Safe and secure
  • Reorder checks from your own PC
  • If you prefer you can also call us and we will reorder checks for you


Direct Deposit


  • Qualify for a free ATC Regular checking account when you sign up for direct deposit
  • Direct deposit of paychecks and government checks such as military, retirement benefits and social security
  • No need to hurry to the bank
  • Safety and security knowing your check is automatically deposited


Automatic Payments

At no additional cost, you may elect to have automatic payment deductions taken from your ATC checking account such as insurance premiums, club memberships, etc.

Automatic Savings Plan

Transfer money automatically from your ATC checking account to your ATC savings or money market account and watch your savings grow. We can set-up transfers on any regular recurring basis you choose. You determine the amount and time and we will automatically transfer the money for you.

“At Your Call” Telephone Banking

With our telephone banking service you are able to call our automated telephone banking center and get information about your accounts, verify account balances, transfer funds between linked accounts and much more, at anytime and at no cost 24 hours a day, 7 days a week. You may reach our telephone banking service by calling 518-587-4093.