Personal Checking Account Comparison - The Adirondack Trust Company
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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
  Initial deposit $1 $1 $1 $1
Minimum daily balance (to waive fees) $500 $500 None None
Monthly maintenance fee $3, if minimum daily balance not maintained

Fee waived with $1,000 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
Fees $0.20 per check; $0.15 per deposit; $0.06 per foreign (non-ATC) items deposited; $1 per transaction at non-ATC ATMs

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; $1 per transaction at non-ATC ATMs

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); $1 per transaction at non-ATC ATMs
Interest No Yes No No
Interest rate N/A See deposit rates* N/A N/A
Interest compounding N/A Monthly N/A N/A
Minimum balance to obtain interest rate disclosed N/A $500 N/A N/A
Transaction limitations None None None None
Statement options:
e-Statement


Paper Statement


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



No charge


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



No charge


Additional $1 monthly service charge 		No charge



No charge


No charge 		Reduce monthly service charge by $2



No charge


No charge
Learn More Learn More Learn More Learn More

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.

[1] Your ATC Student Checking Account will automatically convert to a Regular Checking Account when you reach the age of 24.

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