Compare Accounts
Finding the right checking account starts with understanding your options.
The checking accounts featured on this page are available for in-person account opening at former Adirondack Bank branch locations.
If you're looking for online account opening or would like to explore additional checking account options, Arrow Bank offers a variety of personal checking accounts designed to fit the way you bank.
Check out all your options to help choose the checking account that's right for you.
Hometown Checking
Campus Checking
eCO Checking
HSA
New Beginnings
New Beginnings Basic
Ideal For
Minimum Balance to Open
Interest
ADK Canvas Debit Card
Checks
Statements
TeleBanc (Telephone Banking)
Online Banking
Bill Pay
ADK on the Go (Mobile Banking & Deposit)
Direct Deposit
New Account Opening Gift
Available for Online Account Opening
Great for those who don’t want to worry about required minimum balances. *Hometown Checking is the equivalent of the required NYS Basic Banking Account
$25
N/A
Check order fee based on selection
eStatement available
N/A
N/A
College students will enjoy the benefits of our Campus Checking
$25
N/A
Receive up to $15 in ATM withdrawal fees waived per statement cycle
1 free check order (40 Check Variety Pack)
eStatement required
Required
Gift Card
N/A
Best suited to those who prefer to handle their account activity electronically
$25
Tiered rates
Minimum 10 Point of Sale debit transactions posted per statement cycle required to earn higher interest tier
Check order (if desired) fee based on selection
eStatement required
Required
Direct deposit required to earn higher interest tier (Minimum $250 that posts & settles per statement cycle)
N/A
N/A
Medical savings account for those with a high deductible insurance plan
N/A
Tiered rates
Special HSA debit card
Special HSA checks
eStatement available
N/A
N/A
Perfect for people who have experienced difficulties managing a checking account in the past
$50
N/A
No ATM deposit capability
Check order fee based on selection
Paper statement available — $3 monthly handling fee assessed
Inquiry only
No mobile deposit capability
Direct deposit of at least $250 that posts & settles per statement cycle qualifies for $3 monthly service charge rebate
N/A
N/A
Perfect for people who have experienced challenges managing a checking account in the past
$50
N/A
No ATM deposit capability
No check writing capabilities
Paper statement available — $3 monthly handling fee assessed
Inquiry only
Inquiry only
N/A
Inquiry only
Direct deposit of at least $250 that posts & settles per statement cycle qualifies for $3 monthly service charge rebate
N/A
N/A
