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Overdraft Options

An overdraft occurs when you don’t have enough money in your account to cover a transaction, but we pay it anyway.

We know that everyone’s situation is different, and overdraft protection shouldn’t be one-size-fits-all—that’s why we let you choose the level that best satisfies your needs.

Learn more about our Overdraft Services

• In-person: Visit any of our convenient neighborhood branches during business hours

• Phone: Give us a ring at (518) 584-5844 during regular business hours

Dynamic Transfer

Designate a secondary account from which we automatically draw in the event your primary account has insufficient funds.

Overdraft Line of Credit

In the event your account is about to become overdrawn, we advance a line of credit and transfer funds to help pay for transactions that would overdraw your account.*

Standard Overdraft Practice

This option comes with your checking, NOW or money market deposit account. We may pay, for a fee, overdraft transactions at our discretion based on your account history, the deposits you make, the transaction amount and whether you have had excessive overdrafts. We do NOT GUARANTEE we will always pay your overdraft transaction, and if we do not pay your transaction, the transaction will be declined or returned unpaid.

Tracking your balance may help you avoid fees

Use any of these options to check your balance before you make a purchase: Log in to Online or Mobile Banking, set up Account Alerts at WebWiseBanking.com, use any Adirondack Trust ATM, or call (800) 485-7899.

Our Overdraft Options At-A-Glance

Overdraft services can be a valuable tool in your financial arsenal. Our Overdraft Options offers choices in the event your checking account does not have enough money to complete a transaction.

Dynamic Transfer Overdraft Line of Credit (ODL)* Standard Overdraft Practice
How it works Choose one of your other accounts for us to “sweep” (i.e., from which to transfer funds) in the event your primary account is about to be overdrawn.** When your checking account is about to become overdrawn, we advance this line of credit, transferring the funds to your checking account. You use only the credit you need.
Monthly payments are automatically deducted from your checking account, or you can opt to make payments or pay off your balance at your convenience.		 This option comes with your account. We may pay, for a fee, overdraft transactions at our discretion based on your account history, the deposits you make and the transaction amount.
We do NOT GUARANTEE we will always pay your overdraft transaction, and if we do not pay your transaction, the transaction will be declined or returned unpaid.
Fee $10 per sweep We charge a fee of up to $35 each time we pay an overdraft (maximum of up to $175 per business day).
Categories of transactions All transactions All transactions Checks and other transactions made using your checking account number, ACH transactions, and automatic bill payments. ATM withdrawals and everyday debit card transactions are NOT covered.
Repayment Since this option sweeps your secondary account, there is no need for repayment. Take as much time as you need to repay this advance, but take note that interest immediately begins to accrue at an Annual Percentage Rate (APR) of 17%. Payment of an overdraft is due immediately

Please see our Terms and Conditions for more information on temporary debit authorization holds, processing of transactions, and payment order of items.

* Subject to credit approval.

** The secondary account may not be a passbook account.