Open An Account Online

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

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Basic Checking Regular Checking Interest Checking
Required Initial Deposit
None
$1.00

$500
Minimum Daily Balance
(to waive fees)
None
$500

$500
Monthly Maintenance
$3.00
$3.00 if Account Falls Below $500

Fee waived with $1,000 in linked savings account or with direct deposit.
$5.00 if Minimum Daily Balance Not Maintained
Checking Fee Schedule
8 Free Withdrawals*, then $0.20 per withdrawal and $1.00 Per Transaction At Non-ATC ATMs

* by check or ATM
$0.20/Check
$0.15/Deposit; $0.06/Deposit for Foreign  (non-ATC) Items; $1.00 Per Transaction at Non-ATC ATMs

Fees waived with $1,000 in linked savings account or with direct deposit.
$0.20/Check
$1.00 Per Transaction at Non-ATC ATMs

Fees waived if Minimum Balance is Maintained
Account Pays Interest
No
No
Yes
Interest Rate
None
None
Interest Compounding/Checking
None
None
Yes
Minimum Balance to Obtain Interest Rate Disclosed
None
None
$500
Transaction Limitations
None
None
None
Statement Options
E-Statement - reduce monthly service charge by $2.00

Paper statement - no charge

Paper statement with check images - additional $1.00 monthly service charge
E-Statement - reduce monthly service charge by $2.00

Paper statement - no charge

Paper statement with check images - additional $1.00 monthly service charge
E-Statement - reduce monthly service charge by $2.00

Paper statement - no charge

Paper statement with check images - additional $1.00 monthly service charge
For more information on account fees, please call 518-584-5844 or contact us.