IMPORTANT INFORMATION:  Please be advised that due to sidewalk construction at the 185 Genesee Street branch, our ATM will not be available after normal banking hours.  Please use the ATMs at 2817 Genesee Street, Commercial Drive or our Whitesboro branch.  We apologize for the inconvenience.

eCO checking middle

Get started with Adirondack Bank and eCO Checking today!

  • No monthly minimum balance requirements
  • No monthly service charge
  • Interest based on balance, debit and direct deposit requirements
  • ADK Canvas Debit Card available – Customize your card with your own photo! You are required to perform a minimum of 10 Point of Sale debit transactions that post and settle per statement cycle*
  • Check free account
  • eStatements required† (Paper statements are not available with eCO Checking)
  • TeleBanc  (24-hour telephone banking service)
  • Online Banking required† (Available 24/7, wherever you can access the Internet)
  • Bill Pay (Electronic bill payment system to simplify your life)
  • ADK on the Go - Mobile banking and deposit
  • Direct deposit required**
  • Overdraft fees – Receive one overdraft fee waiver per year upon request

Minimum deposit of $25 required to open. The top tier interest rate for this product will be earned with a balance of up to and including $15,000, along with the following two qualifiers: *a minimum of 10 Point of Sale debit transactions which post and settle per statement cycle and **one direct deposit of $250 or more that posts and settles per statement cycle. Other interest rates apply for balances over $15,000, see current rate sheet for details. †Online Banking & eStatements required within 45 days of account opening. If these requirements are not met, the account will be reclassified to a Hometown Checking. Only one eCO Checking account per household. Rates subject to change without notice after account is opened. Offer valid in NYS only.

ADvantage Line of Credit

Establish an ADvantage Line of Credit today and be ready to make that special purchase when the time is right for you with no waiting! The ADvantage Line is a variable rate line of credit. This product can be accessed via special checks, personal checking account checks, by phone or in person at the teller line!

Contact your local branch for details today!

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