Online Banking Login

  • Richmondville: 518-294-6661
  • Cobleskill: 518-234-4397
  • Schoharie: 518-295-8884

Checking Accounts

Non-Interest Bearing Checking Accounts

 

Order Checks

 

Personal Checking

The checking account that’s not complicated, confusing or expensive.

  • $100 to open
  • No minimum balance requirements
  • No per check or per deposit charge
  • ATM and Visa® Check Card access
  • Low monthly maintenance charge
  • Can be combined with a Cash Reserve for overdraft protection
  • Xpress telephone banking
  • NetTeller online banking with free Bill Pay access

Personal Basic Banking
A no-frills account that saves you money.

  • $25.00 to open
  • No minimum balance requirements
  • No per check or per deposit charge
  • ATM Card access (Not eligible for Visa® Check Card)
  • Low monthly maintenance charge of $3.00
  • Can be combined with a Cash Reserve for overdraft protection
  • Xpress telephone banking
  • NetTeller online banking with free Bill Pay access

60 Plus Checking
The ideal senior alternative.

  • $100.00 to open
  • No minimum balance requirements
  • No monthly maintenance charge
  • No per check or per deposit charge
  • No fees for the purchase of Money Orders and Cashier’s Checks
  • ATM and Visa® Check Card access
  • Can be combined with Cash Reserve for overdraft protection
  • Xpress telephone banking
  • NetTeller online banking with free Bill Pay access

Checking Accounts With Interest

 

NOW Account*
 

  • $400.00 to open
  • Pays a competitive rate of interest
  • ATM and Visa® Check Card access
  • No per check or per deposit charge
  • No monthly maintenance charge with a minimum daily balance of $400.00
  • Can be combined with Cash Reserve for overdraft protection
  • Xpress telephone banking
  • NetTeller Online banking with free Bill Pay access

*Restrictions may apply

MMDA (Money Market Deposit Account)*

  • $1,500.00 to open
  • Pays a competitive rate of interest
  • No per check or per deposit charge
  • No monthly maintenance charge with a minimum daily balance of $1,500
  • Xpress telephone banking
  • NetTeller Online banking access

*Normal Money Market Deposit Account transaction restrictions apply.

Locations:

Richmondville

Richmondville Office:

284 Main Street
PO Box 130
Richmondville, NY 12149
(518) 294-6661

Cobleskill

Cobleskill Office:

857 East Main Street
PO Box 40
Cobleskill, NY 12043
(518) 234-4397

Schoharie

Schoharie Office:

428 Main Street
PO Box 488
Schoharie, NY 12157
(518) 295-8884