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

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  • Increase your earnings

  • Flexible account options

  • Webwise® Online Banking account access

  • Competitive deposit rates

Savings Accounts

We offer a variety of safe and simple ways to help your business savings grow. Whether you are saving for an upcoming planned business expense or want to save for retirement or accumulating funds for short-term goals, we can help. By choosing one or more of our savings options, you design a savings plan that is right for you, matching your individual needs, return and maturity. All of our accounts are FDIC-insured up to the maximum allowable limit.

Business Money Market


Our Business Money Market account pays interest on collected funds. It allows your business to earn interest, yet have funds available when you need them. You are allowed up to six pre-authorized transactions per statement period, by automatic deduction, phone or online. You can make unlimited withdrawals in person at any of our branches.

  • Pays interest monthly (see rates)
  • Provides online monthly statement detailing all transactions
  • Offers automatic transfers to your ATC business checking account for cash management
  • WebWise® Online Banking service allows you access to your accounts via the internet, with access to up to seven years of statements when you enroll for e-statements.

 

Business Statement Savings


Statement savings accounts are a simple, convenient and flexible while providing ATM, Direct Deposit and WebWise® Online Banking Options. You may also expand your options if you elect to get a Visa® Debit Card with your ATC business checking account. Interest is compounded and credited to your account monthly and the account is free provided you stay above the daily balance requirement.

  • Pays interest monthly
  • Provides online monthly statement detailing all transactions
  • WebWise® Online Banking service allows you access to your accounts via the internet, with access to up to seven years of statements when you enroll for e-statements.
  • Transfer funds between your statement savings account and your linked ATC checking account

 

Business Passbook Savings


Provides a simple way to save while maintaining immediate access to your funds. You will be issued a passbook, which serves as a record of all transactions. To conduct transactions with your passbook account, simply visit any branch with your passbook. Interest is compounded and credited to your account quarterly and the account is free provided you stay above the daily balance requirement.

Business Certificates of Deposit (CDs)


Offers a number of safe, fixed-rate earnings options. With a wide range of maturity terms and competitive interest rates, you can tailor your investment to match your individual savings goals. Our CDs are automatically renewable, at the current ATC CD rate.

Business Individual Retirement Accounts (IRAs)


Provide a safe way to accumulate tax-deferred savings for retirement and may be a valuable addition to, or an alternative to traditional 401(k) retirement plans (consult your tax advisor). From traditional IRA accounts, to Roth IRAs or Rollover IRAs there are many account types available from which to choose. Funds may be withdrawn without government penalty beginning at age 59 ½. Withdrawals prior to this age limitation (or other exceptions) are subject to substantial penalties.

Business Retirement Plans


We offer a variety of retirement and employee benefit solutions and make it easy to put together an employee benefits program. We have earned a reputation for providing a comprehensive product set and quality service to our business clients. Contact us to learn how you can offer more choices to your employees for their retirement planning needs.

Getting Started


For additional information, visit your local branch, contact us 518-584-5844 or email us.