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Personal Banking > Convenience Products and Services

Products and Services

At Adirondack Bank, we are always looking for new ways to make banking more convenient for our account holders. Following are just a few of the products and services that can help you spend less time concentrating on your finances and more time on the rest of your life.




24 Hour 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 NYCE, Cirrus, Plus, American Express, Visa, MasterCard, Discover and Maestro networks. See our Branch Locations Directory for ATM locations.

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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!
(877) 235-7448

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Personal Credit Card

Credit cards are available to qualified applicants.  See a Branch Banking Representative for details.
Credit Card program offered through UMB Bank 

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Online Banking and BillPay

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

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Night Depository

Take advantage of our conveniently located night depositories whenever you wish to make deposits after regular banking hours. Locking deposit bags are available for added security, and a verification of your deposit will be mailed to you. See our Branch Locations Directory for Night Depository location information.

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Client Service Center

Personalized information provided by knowledgeable, experienced staff. Representatives are available Monday through Friday from 8 A.M. until 5 P.M. Call 315-272-2500 or toll free at 1-877-404-2265, choose Option 1.

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                                              ADK Canvas Debit Card
It works like a check, but it’s much faster, easier, and a lot more flexible! Purchases and withdrawals are made directly from your checking account and all transactions are detailed on your monthly statement. Use it anywhere you see the VisaTM logo! Plus you can customize your card in just 3 easy steps! 

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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. See our Branch Locations Directory for Safe Deposit Box locations. Check with the branch for size and availability information.

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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.

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Reporting Lost or Stolen Cards

ATM/Debit Cards

During business hours*, lost or stolen Adirondack Bank ATM or 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 1-800-554-8969.

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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