Open An Account Online

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

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Historic Community Images

  • Flexible checking account options

  • Easy recordkeeping via Webwise® Online Banking

  • Save money

  • Online Banking and Bill Pay

Checking Accounts

Business Checking

Our Business Checking accounts are designed with businesses in mind and offer many attractive features, including:


  • Convenient access to ATC branch network for deposits of cash and checks
  • Unlimited check-writing privileges
  • Monthly account statement showing daily balances plus detailed transactions and check images (front and back) via WebWise® Online Banking or by mail
  • The ability to reduce or eliminate service charges through compensating balances. Each month an earnings credit allowance based on collected balances less applicable reserves is applied against the cost of your services
  • Internet access and bill pay through our WebWise® online banking service
  • Access your account with either an ATC ATM or ATC Visa® Debit Card
  • Advance funds from your Business Express Line of Credit via WebWise® Online Banking


Business Analyzed Checking

This account allows for an analysis of earnings and expenses on a monthly basis. Service charges are made only to the extent that analyzed expenses exceed income and always apply to the current statement period. No minimum balance required.

Earnings are computed at the current interest rate on the available balance. Available balance is the average monthly balance.

Business Interest Checking

Earn interest on your business checking account if you are a sole proprietor, non-profit organization or government entity.


Business Visa® Debit Card

It works better than checks and is safer than carrying cash.
The convenience of a check. The access of a credit card, worldwide!


  • Use your ATC Visa® Debit Card to make purchases, which is faster, more convenient than writing checks, and safer than carrying cash.
  • There are no annual fees and no interest charges since each transaction is deducted from your checking account
  • Accepted at over 22 million locations worldwide, where ever you see the Visa® logo
  • Each transaction is automatically deducted from your checking account and is itemized on your monthly statement
  • Online account history via Webwise® provides a detailed record of all your card transactions
  • There is no service charge when you use the card to get cash or check your balance at any ATC ATMs
  • Saves you money by not having to pay credit card interest charges
  • (Credit approval required)


Check Reordering

To reorder checks online simply click here and you will be redirected to the Deluxe Corporation’s website site.


  • Safe and secure
  • Reorder checks from your own PC
  • If you prefer you can also call us and we will reorder checks for you.

Getting Started

For additional information or to open an account, visit your local branch or contact us via email.