Free Checking Accounts

This is personal checking the way it should be: free and easy! There are no fees, no necessary qualifications, and every free checking account comes with a debit card.

And, when we say these checking accounts are free, we mean it! Our members even have no-fee access to over 30,000+ ATMs across the nation. Traveling internationally? Enjoy stress-free access to your money at one of our in-network international ATMs for only a small $1.00 international fee.

We’ll let the other free checking features speak for themselves:

  • No minimum balance
  • No monthly maintenance fees
  • FREE online & mobile banking

Typically, maximum purchases for our free checking accounts are limited to $2,500 per day and $500 ATM withdrawals. However, if requested, we are able to adjust these limits to make our checking accounts work best for your individual needs.

Worried About Overdraft Fees?

You can opt to overdraft from your savings account and an overdraft line of credit is also available up to $500. For those with bad credit or who have a history of overdrafting, our free second chance checking account allows you to build up better history to eventually reach personal checking account status. For our younger bankers, our youth checking accounts can help teach the basics of money management.

How to Order Checks

Simply stop into your local branch in Tupper Lake, Potsdam, or Plattsburgh to order checks quickly and easily. Don’t have time to stop in? Feel free to give us a call. We can take your order over the phone.