Main Content Login Locations Contact Security Rates Open an Account Resources Skip Text OVERDRAFT CHECKING This safety precaution protects you from overdraft and returned check fees. Also, you use only the credit you need, and you pay interest only on your outstanding balance. Monthly payments are automatically deducted from your checking account, or you can opt to make payments or pay off your balance at your convenience. CONTACT US YOU MAY ALSO BE INTERESTED IN: Pay Bills > Automatic Savings > WebWise® Online Banking > Stay Connected Sign UpWebsite Feedback © 2020 Adirondack Trust Company Get In Touch 473 Broadway Saratoga Springs, NY 12866 (518) 584-5844 Email Customer Service Quick Links Lost or Stolen Card Reorder Checks Open an Account Calculators Careers Legal Information Privacy Notice Terms of Use Security Alerts Disclosures Forms NYSDFS FAQs NMLS#645688 Site Map Routing#021302884 Member FDIC Investment & Insurance Products are: NOT A DEPOSIT * NOT FDIC INSURED * NOT GUARANTEED BY THE BANK * NOT INSURED BY ANY GOVERNMENT AGENCY * MAY GO DOWN IN VALUE Above and Beyond and the Adirondack Trust Company logo are registered trademarks of The Adirondack Trust Company. - Get Adobe Reader The web site you have selected is an external one located on another server. Adirondack Trust Company has no responsibility for any external Web site. It neither endorses the information, content, presentation, or accuracy nor makes any warranty, express or implied, regarding any external site. Thank you for visiting Adirondack Trust Company's Web site. Continue