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Our Personal Checking Accounts At-A-Glance

You deserve a bank that goes the extra mile with you. Working alongside you. Collaborating in your success. Refer to this comparison chart for help deciding the checking solution that best fits your needs, complements your lifestyle and meets you wherever you are.

  Regular Checking Interest Checking (NOW ACCOUNT) ATC Free Student Checking1 Basic Banking BankOn
 Initial deposit $1 $1 $1 $1 $25
Minimum daily balance (to waive monthly maintenance fee) $500 $500 None None None
Monthly maintenance fee $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. $5, if minimum daily balance not maintained None $3 $4.95
Transaction fees*** $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		 $0.20 per check

Fees waived if minimum daily balance is maintained		 Get 4 withdrawals or up to $15 of fee-free surcharges at non-ATC ATMs per statement period 12 free withdrawals, then $0.20 per debit transaction (withdrawal, check paid, automatic transfer, or payment out of this account 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.
Interest No Yes No No No
Interest rate N/A See deposit rates* N/A N/A N/A
Interest compounding N/A Monthly N/A N/A N/A
Minimum balance to obtain interest rate disclosed N/A $500 N/A N/A N/A
Transaction limitations None None None None There are no check-writing privileges associated with this account.**
Statement options:
e-Statement


Paper Statement


Paper statement with check images		 Reduce monthly service charge by $2



No additional charge


Additional $1 monthly service charge		 Reduce monthly service charge by $2



No additional charge


Additional $1 monthly service charge		 No charge



No additional charge


No charge		 Reduce monthly service charge by $2



No additional charge


No charge		 No Charge


$2 statement fee


Not applicable
  Learn more about Regular Checking Learn more about Interest Checking NOW Learn more about ATC Free Student Checking Learn more about Basic Banking Learn more about BankOn

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.