Online Banking Login

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

Checking Accounts

Non-Interest Bearing Checking Accounts

 

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

  • No minimum balance requirement
  • No per check or deposit charges
  • Combine with a cash reserve for overdraft protection and ATM card services for 24/7 access
  • Low monthly maintenance charge of just $3.00

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

  • No minimum balance requirement
  • No per check or deposit charges
  • Combine with a cash reserve for overdraft protection and ATM card services for 24/7 access
  • Low monthly maintenance charge of just $3.00

60 Plus Checking
The ideal senior alternative, all at no cost to you.

  • No minimum balance requirement
  • No per check or deposit charges
  • Includes monthly statement mailed to you
  • Combine with a cash reserve for overdraft protection and ATM card services for 24/7 access
  • No fee for money orders or bank checks

Checking Accounts With Interest

 

NOW Account
Get a competitive rate of interest and avoid all monthly maintenance charges by keeping a daily balance of just $400.

  • No per check or deposit charges
  • Includes monthly statement mailed to you

NOWPlus Account
Get added convenience features for free!* Bill Pay, NetTeller and a VISA Check card included at no cost.

  • Earn competitive interest rates — with no monthly service charges — when a daily balance of $500 is maintained

MMDA (Money Market Deposit Account)
Earn higher interest and write up to six checks per month without a fee.

  • No per check or deposit charges
  • Includes monthly statement mailed to you
  • No monthly maintenance charges when you keep a daily balance of $1,500
  • 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