Free Checking

Open a Trustco Free Interest Checking Account

  • Free Checks for Life**
    Click here to Order Checks online
  • No minimum balance requirement
  • No monthly service charge
  • Internet Banking
  • Low minimum opening deposit
  • Competitive interest rate compounded monthly
  • Unlimited check writing
  • 24-hour account access with your ATM/Debit Card
  • Overdraft protection (Credit approval required)
  • Automatic loan payments for Trustco Loans, with a special reduced rate for Mortgages and Home Equity Loans
  • Regular transfers from checking to savings, Holiday Club or IRA account at no charge
  • Electronic direct deposit at no charge
  • Prewards - Receive money back on your favorite purchases
    Learn More about Prewards >>


Free Access to over 55,000 ATMs Worldwide
Trustco Bank customers now have the peace of mind knowing they can withdraw cash for free at over 55,000 ATMs worldwide. Trustco Bank is a member of the Allpoint and Publix Super Market ATM networks. 

allpoint-badge.jpgIf you see the Allpoint logo, your transaction is completely free!

Learn more about Allpoint >>

For more information, Visit any of our over 130 Trustco branch locations or call us at (518) 377-3311 or 800-670-3110.




Prewards are digital incentives (like coupons) that are linked to your financial institution-issued debit card. Merchants in the Prewards network link these digital incentives to your account for you to enjoy at their restaurants, stores, or places of business. You do not have to do anything to receive Prewards, other than register for the program - though the more you use your card, the more Prewards you’ll receive. Once you’ve received a Preward, all you have to do is shop at the merchants’ participating in-store and/or online locations (each Preward has its own terms of use).

Current Customer?  Log in to Prewards »

Current Customer?  Click here to sign up for free »

Not a Trustco Customer? Visit your nearest Trustco Branch to get started »


*Free Checks for Life Offer:

  • Trustco blue safety checks only.
  • After purchase of initial order at half-price plus tax and S&H.
  • Maximum 3 boxes of checks per calendar year.

Please note: We reserve the right to alter or withdraw these products or certain features thereof without prior notification.