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Adirondack Bank offers a Visa® Simply Rewards™ Card* with no annual fee.

A rewards credit card is practically a must-have. It's easy to rack up the points when you're purchasing everyday items. Redeem your reward points for Account Credits, Gift Cards, Travel, Entertainment and more.¹

3x the points

  • Grocery Stores 
  • Discount Stores
  • Gas Stations
  • Restaurants and Fast Food

 1x the points

  • All other purchases

We Make it Easy to Redeem Points

Access your account to see how many points you’ve earned through online banking or your monthly statement. Online Credit Card Control allows you to view transactions, pay bills, and track expenses. Includes eStatements with 18-months of history.

Additional Visa Benefits

  • Fraud Protection
    Visa’s Zero Liability Policy means you won’t be held responsible for any unauthorized charges made with your card or account information.²
  • Others
    Including auto rental coverage, emergency cash, travel/emergency assistance, warranty manager and more.³

Customer Service – 1.800.821.5184

*Cards issued by UMB Bank, N.A.

¹Cardholders earn 3 points per dollar on purchases with MCC codes: 5411 (Grocery Stores), 5541 or 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn 1 point per dollar on all other purchases. See Simply Rewards Rules for details.

²Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to certain commercial card transactions. You must notify UMB Bank immediately of any unauthorized use at 1-800-821-5184. For specific restrictions, limitations and other details, please consult UMB Bank.

³See the Rewards Rules and Guide to Benefits that accompany your card for details. Certain terms and conditions may apply.