Business Convenience Products & Services

ATM Locations

Visit one of our conveniently located ATMs to get cash, make deposits and check balances 24-hours a day, seven days a week. We are affiliated with the Accel, Cirrus, Plus, American Express, Visa, MasterCard, Discover and Maestro networks.

Night Depository

Take advantage of our conveniently located night depositories whenever you wish to make deposits after regular banking hours. A verification of your deposit will be mailed to you.

Business Debit Card

Make your checking account even more convenient with a debit card.  It's accepted everywhere Visa™ is and all of your transactions are detailed on your monthly statement.  Add extra security to your card with CardValet.

And now, our cards have the added security of an embedded chip.  EMV (Europay, MasterCard, Visa) is the global standard for cards equipped with chips and the technology used to authenticate chip-card transactions to help protect against fraud. 

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CardValet Logo Image®

The mobile app that lets you control your debit card usage and spending on the go. This convenient service lets you lock and unlock your ADK debit card, set and remove spending limits, restrict transactions and even schedule alerts!

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Mobile Wallet

Mobile Wallet allows you to store your card information securely on your smartphone and use it to pay for purchases at millions of stores which now accept mobile payments.  Just download the App from your app store and follow the on-screen instructions to load your card information.  Android Pay™, Apple Pay™ and Samsung Pay™ all allow you to add multiple cards.

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Safe Deposit Boxes

Several of our branch offices have Safe Deposit Boxes available in a variety of sizes to meet your needs. Store your valuable items in a safe, secure area without worrying. Separate viewing rooms are available to ensure your privacy. Boxes automatically renew every year for your convenience. Check with the branch for size and availability information.

TeleBanc – 24-Hour Telephone Banking

Do your banking by telephone, anytime, anywhere. Our convenient toll-free number allows you access to your account, day or night. Obtain balance information, make transfers and payments, or see which checks have cleared. Our easy to use system prompts you for information, which means there is no confusing list of codes to remember. Access information concerning all of your Adirondack Bank accounts with one quick, convenient phone call. This service is available for personal and business accounts! Call toll free 877-235-7448!

ADK Biz on the Go

Powerful financial management on the go!  With secure access to your account information from your iPhone or Android Smartphone, you now have the ability to check account balances, review transfers and payments, approve transactions and more!  This app will help you identify any possible suspicious activity as well as help you stop fraudulent transactions before they ever happen.


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Online Banking

Manage your finances from anywhere you can access the Internet. Get balances, transfer funds, pay bills and more!

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ACH Origination Services

Originate payroll and vendor payments with our ACH Origination Service available through Business Online Banking.  Originate ACH Transactions safely, accurately and at your convenience.  Simply contact a Branch Banking Representative for compete details.

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Adirondack Bank’s Online Banking customers can now set up real time alerts for their accounts with Notifi.  You choose the alerts that you want to receive and setup how you want to receive the information*. Notifi can provide you with a greater sense of security when it comes to your account activity.  Sign up for Notifi’s secure alerts through Online Banking.  Ask a Branch Banking Representative for details.

*Message and data rates may apply based on how you choose to receive notifications.


Bill Pay

The fastest and easiest way to pay your bills! You must be enrolled for online banking to use bill pay. Sign up once logged into your online banking account.

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Sign up to receive your statements and notices electronically!
eStatements are fast, simple, good for our environment and best of all, they're free!  eStatements are available to anyone with access to Online Banking and e-mail. 

Sign up Now!

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Save time and money!  Deposit checks electronically right from your desktop instead of making trips to your local branch.  Check deposits can also be made from multiple locations!


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Centrix Positive Pay Services

This fraud mitigation tool allows Business Online Banking customers to view checks issued and paid as well as ACH transactions for potential fraud and make a decision to return them.  Check reconciliation reports are also included with this service.

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Wire Services

Initiate transfers between accounts to destinations across the U.S. or around the world in a matter of minutes, safely, accurately and at your convenience. Simply contact a Branch Banking Representative for information.

Payroll Services

To give our business customers access to a wide array of innovative payroll solutions, Adirondack Bank has established a relationship with USA Payroll. This arrangement allows us to offer efficient and cost effective payroll solutions to small businesses and companies who employ thousands. Tailor a payroll program to meet the needs of your business.

Merchant Services

Increase your sales by offering your customers more payment choices! Adirondack Bank's strategic alliance with TransFirst makes it easy for you to accept multiple forms of payment such as MasterCard, Visa, Discover and American Express.

Live Chat

Live Chat is available with a simple click of a button right from our website's homepage, or online banking pages. Our friendly, experienced staff is ready to assist you Monday through Friday (excluding Federal Holidays) from 8 A.M. to 5 P.M., and Saturday from 9 A.M. to 12 P.M.

Client Services

Personalized information provided by knowledgeable, experienced staff. Representatives are available Monday through Friday from 8 A.M. until 5 P.M (excluding Federal holidays), and Saturday from 9 A.M. to 12 P.M.  Call 315-272-2500 or toll free at 1-877-404-2265, choose Option 1.

Drive Thru Locations

Conduct your banking without even getting out of your car! See our Branch Locations Directory for hours of operation and address information.

Notary Services

Notary services are available for our customers. Please contact your nearest branch for Notary availability.

Reporting Lost or Stolen Cards

Debit Cards

During business hours, lost or stolen Adirondack Bank Debit cards can be reported through our Client Services Department at 315-272-2500 or toll free at 1-877-404-2265, choose Option 1.

After hours and weekends - Please use 1-833-312-3729.

UMB Bank Credit Cards

Lost or stolen cards should be reported to UMB Bank Customer Service at 1-800-821-5184 (24 hours a day / 7 days a week).



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