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

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Student Checking

Student-Checking web landing

Easily keep track of your money with our new ATC Free Student Checking

Available for youths aged 13 through 23

Perfect for students


We designed our new ATC Free Student Checking account with you—hardworking, busy students—in mind. With tools like our WebWise® Mobile Banking app, you can keep track of your money—anytime, anywhere.


Getting to your money is easy with our mobile banking app or by visiting any of our conveniently located neighborhood branches and ATMs. You’ll find that ATC Free Student Checking is just right for your busy schedule.


Peace of mind for parents


It’s never been a better time to help your children develop responsible financial habits and independence by teaching them about money and budgeting without worrying about minimum balances or miscellaneous fees. Plus, you’ll be able to keep a watchful eye on your child’s spending as a joint account holder until your child turns 18.


Why use ATC Free Student Checking?


In a word…it’s FREE! Plus, you can open your account with as little as $1!


As part of the ATC Free Student Checking account, you will also receive:


  • NO minimum balance requirement
  • NO monthly maintenance fee
  • FREE Visa® debit card
  • FREE WebWise® Mobile and Online Banking
  • FREE bill pay via WebWise®
  • FREE executive-style checks on your first order
  • Refund of (4) non-Adirondack Trust ATM surcharges—up to $15—per statement period, whichever comes first
  • Local, personal service


See our checking account comparison chart to see how ATC Free Student Checking fits into our suite of options for your personal checking.


To learn more about ATC Free Student Checking or to open your account, visit with an Adirondack Trust representative today at any of our convenient neighborhood branches.