eCO Checking

• No monthly minimum balance requirements
• No monthly service charge
• Interest based on balance, debit and direct deposit requirements
• ADK Canvas Debit Card available – Customize your card with your own photo! You are required to perform a minimum of 10 Point of Sale debit transactions that post and settle per statement cycle*
• Check free account
• eStatements required† (Paper statements are not available with eCO Checking)
• TeleBanc  (24-hour telephone banking service)
• Online Banking required† (Available 24/7, wherever you can access the Internet)
• Bill Pay (Electronic bill payment system to simplify your life)
• ADK on the Go - Mobile banking and deposit
• Direct deposit required**
• Overdraft fees – Receive one overdraft fee waiver per year upon request

Minimum deposit of $25 required to open. The top tier interest rate for this product will be earned with a balance of up to and including $15,000, along with the following two qualifiers: *a minimum of 10 Point of Sale debit transactions which post and settle per statement cycle and **one direct deposit of $250 or more that posts and settles per statement cycle. Other interest rates apply for balances over $15,000, see current rate sheet for details. †Online Banking & eStatements required within 45 days of account opening. If these requirements are not met, the account will be reclassified to a Hometown Checking. Only one eCO Checking account per household. Rates subject to change without notice after account is opened. Offer valid in NYS only.