Locations Contact Help LOGIN PERSONAL BUSINESS WEALTH INSURANCE ABOUT Get to your goals! LET'S TALK saving solutions Checking Savings Loans Credit Cards Mortgage Home Equity Personal Savings Make the Most of Your Money We offer a variety of savings products to help you make the most of your money. Plus, with all of our accounts, you can rely on great local service and online tools that are available 24/7. Our Savings Accounts The following additional free features are available for any of the savings accounts listed on the table below: Internet Banking with easy transfers to/from your GFN accounts Mobile App with Check Deposit Online Statements On Call Banking Account Name Is This Right for You? Min to Open/Earn Interest Maintenance Fee Debit Card Withdrawals Free Paper Statements Easy Savings Our go-to account – it’s easy and paperless $100 $8/quarter if balance falls below min ($100) Upon request; Includes free GFN ATM use Standard* No** Goal Savings Save for vacation, holiday gifts, first house or any personal goal with this special-purpose account; Automatic deposits required $0 $0 No Withdraw funds when you reach long- or short-term goals, or have us auto-transfer your balance into a GFN account once per year during the month of your choice No** Premium Money Market Savings Good choice for higher balances; Pays tiered interest $1,000 $10/month if balance falls below min ($1,000) Upon request; Includes free GFN ATM use Standard* Yes Youth Savings For children and teens up to 18; Great way to teach the importance of saving $5 $0 No Standard* Upon request Health Savings Account Use this account to cover medical expenses; Good supplement to a high-deductible medical plan; Eligibility subject to IRS regulations $100 $0 Yes, for purchases and ATM use (free at GFN ATMs) Unlimited; Account also comes with starter checks (4) No** *Unlimited withdrawals via teller or GFN ATM, plus six other withdrawals per month (“other” includes any preauthorized withdrawals; automatic, online or telephonic transfers; and debit card or non-GFN ATM transactions). **Go paperless and avoid fees by signing up for Online Statements. Other Ways to Save We also offer fixed-rate Certificates of Deposit (CDs), as well as various Individual Retirement Accounts (IRAs) to help you save. Visit your local branch to learn more about the options, terms and conditions. Fixed-Rate CDs, with terms ranging from 30 days to five years IRA Savings or IRA CDs, including Traditional, Roth, SEP and Educational For more information on Personal Savings, contact any of our locations or call (518) 793-4121. Part of the Arrow Family of Companies Corporate | Contact Us | Website Accessibility | Disclosures | Privacy | In the News | Join Our Team | Site Map NMLSR ID: 473214 | Routing Number: 021302554 Member FDIC/Equal Housing Lender © 2021 Glens Falls National Bank and Trust Company.