Start Earning Your $250 Reward!
Banking local is rewarding. Let us prove it to you.
Open a qualifying Arrow Bank checking account and get $250* when you make one single deposit of $1,000 or more and use your debit card 10 times in the first 60 days.
Open an account online by clicking below and entering promo code AB2025 or visit any of our locations by October 31, 2025!**
Choose My Account
About Us
Arrow Bank, formerly named Glens Falls National Bank and Trust Company and Saratoga National Bank and Trust Company, has been strengthening financial lives since 1851. Our experienced local team cares about our communities, which we serve through 38 branches in northeastern New York. We welcome the opportunity to serve you and help you accomplish your goals.
*Offer is available at any Arrow Bank office. New personal checking customers only. Existing checking customers and business checking accounts not eligible. One offer per person. Terms and conditions may apply. Offer expires on 10/31/25. Qualifying account types include Classic Checking, Elite Checking, Free Checking, Interest Checking and Premium Interest Checking. The minimum deposit to open a personal checking account is $5. To qualify for the $250 bonus, you must make a single deposit of $1,000 into the new account and make ten (10) qualifying debit card transactions within 60 days of account opening (ATM withdrawals, ATM deposits and debit card refunds do not qualify). Please allow an additional 60 days after expiration of the qualification period and upon completing requirements to receive the $250 deposit in your new Arrow Bank checking account (account must be open with a positive balance). The $250 deposit will be reported as interest income to the IRS in the form of a 1099-INT. This limited-time offer is subject to change or cancellation without notice at the bank’s discretion and cannot be combined with any other offer.
**Not all qualified accounts available for opening online. Must be age 18 or older to apply online.
Promo Code: AB2025
The following additional features are available for ALL of the checking options listed on our table:
- Internet Banking and Bill Pay
- Mobile Banking App
- Access to the Allpoint ATM Network and our ATMs
- Online Statements
- Purchase Rewards
- On Call Banking
- Visa® Debit Card
- Just $5 to Open Any Account
Our Checking Accounts
| Account Name |
Get Started† |
Is It Right for You? |
Details |
Interest |
ATM Usage |
Free Paper Statements |
| Free Checking |
APPLY NOW |
This simple account is free and paperless |
- No minimum balance
- $0 maintenance fee
- Free first order of checks‡
|
None |
Standard§ |
No |
| Elite Checking |
APPLY NOW |
Earn 6.01% APY†† on balances up to $5,000; ATM fees waived; Must have direct deposit |
- No minimum balance
- $0 maintenance fee
- Free first order of checks‡
|
Yes |
Standard§ (Up to $15 in ATM surcharge rebates per month§) |
No |
| Interest Checking |
APPLY NOW |
Interest-bearing account with low minimum balance |
- $250 min balance to earn interest and avoid $8/month maintenance fee and $0.30/check charge
- Free starter checks‡ (4)
|
Yes |
Standard§ |
Yes |
†Must be age 18 or older to apply online. Use Google Chrome for best online experience.
‡Check style based on account type.
§Includes free unlimited use of Arrow Bank and Allpoint ATMs (fees apply for non-Arrow Bank ATM use unless otherwise specified).
††Offer valid only on new accounts and new money not currently on deposit with Arrow Bank or any subsidiary of Arrow Financial Corporation. Elite Checking is a variable rate account and the Annual Percentage Yield (APY) may change at the Bank’s discretion. To earn the APY stated above and receive the rebate of ATM surcharges up to $15 per statement cycle, eligibility requirements must be met. For daily balances of $5,000 and under, the APY paid on the entire balance will be 6.01%. For the portion of the daily balance that is greater than $5,000 the APY will range from 6.01% to 0.05% depending on the balance in the account. ELIGIBILITY REQUIREMENTS: Individuals must have a recurring ACH direct deposit; be enrolled in Online Statements through Internet or Mobile Banking and use their debit card ten (10) times in a statement cycle to qualify for this account. Debit card usage does not include ATM transactions. Debit card transactions that are in a pending status at time of statement cycle cutoff will not count toward eligibility requirements. Direct Deposit is recurring income electronically deposited into your checking account and may include salary, pension, Social Security and Supplemental Security Income (SSI) benefits and other regular monthly income. A statement cycle is the period of time between account statements. If eligibility requirements are not met in a statement cycle, the entire balance will earn an APY of 0.05% and ATM surcharges will not be rebated. The minimum deposit to open Elite Checking is $5. If Online Statement enrollment is not met, there is a $3 monthly fee for paper statements. Fees may reduce earnings. Annual Percentage Yields (APYs) are accurate as of 4/1/25.