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:

Account Name	Get Started*	Is This Right for You?	Details	Debit Card	Withdrawals	Free Paper Statements
Easy Savings	APPLY NOW	Our go-to account – it’s easy and paperless	$100 minimum balance to open/earn interest and avoid $8/quarter maintenance fee	Upon request; Includes free Arrow Bank ATM use	Unlimited	No^**
Premium Money Market Savings	APPLY NOW	Good choice for higher balances; Pays tiered interest	$1,000 minimum balance to open/earn interest and avoid $10/month maintenance fee	Upon request; Includes free Arrow Bank ATM use	Unlimited	Yes
Youth Savings	VISIT BRANCH	For children and teens up to 18; Great way to teach the importance of saving	$5 minimum balance to open/earn interest No maintenance fee	No	Unlimited	Upon request
Health Savings Account	VISIT BRANCH	Use this account to cover medical expenses; Good supplement to a high-deductible medical plan; Eligibility subject to IRS regulations	$100 minimum balance to open/earn interest No maintenance fee	Yes, for purchases and ATM use (free at Arrow Bank ATMs)	Unlimited; Account also comes with starter checks (4)	No^**

*Must be age 18 or older to open account online. Use Google Chrome for best online experience. **Go paperless and avoid fees by signing up for Online Statements.

Certificate of Deposit (CD)

Lock in a fixed rate now for longer-term savings goals.

Checking Accounts

Banking that's easy and convenient. Apply online or in a nearby branch.

Wealth Solutions

From your first IRA to the disposition of your estate, we’ll help you pursue the life and legacy you want. Let’s talk!

Let's Talk!

Use the form below to request information, contact any of our locations or call us at (518) 793-4121.

Quick Guide to Applying Online

It takes just a few minutes to apply online. Use Google Chrome for best experience.

1) Have these items ready

Driver's license/state ID/passport (you'll need to take and upload a picture)
Taxpayer Identification Number/Social Security Number
Contact information for yourself and an account co-owner, if you are adding one

2) Fill out the application

Go step-by-step to complete the quick application
Create a password at the end of the application

3) Fund your new account

After you submit, we’ll follow up with how to make your opening deposit

Visit our Checking and Savings Account FAQs for answers to your questions.

Need to Log Back In?

Access the Application Portal anytime to finish a saved application or fund your account.

LOG IN HERE

Hero Pane Image

Get to Your Goals!