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1902 Club2025-11-14T17:34:29-05:00

Welcome to the 1902 Club

A New Way To Reward Our Top-Tier Customers

For more than a century, Trustco Bank has served families and entrepreneurs with the steady, relationship-first service you expect from Your Home Town Bank. The 1902 Club extends that tradition to clients who maintain $1,000,000 or more in personal deposits, delivering a refined, concierge-level experience with practical, financial advantages.

What Is the 1902 Club?

Comprehensive Financial Services, White Glove Attention

As a stable, community-rooted institution, Trustco Bank blends personal relationships with comprehensive financial resources, including Trustco Wealth Management for investment management, trust administration, and estate services when you want them. You’ll get personalized care and prudent guidance, delivered locally and backed by a team experienced in serving complex financial needs.

1902 Club Benefits At A Glance

The 1902 Club is more than just a rewards program; it’s how we elevate your banking experience through special discounts, enhanced savings opportunities, unique offerings, concierge treatment, and members-only benefits.

Distinctive 1902 Club Banking Set

Receive unique, branded 1902 Club checks and a metal 1902 Club debit card that signals your Platinum status. (Initial card issued at no cost; standard fees may apply for replacements.)

Better CD Earning, Automatically

Platinum members receive an additional 5 basis points (0.05%) on both new and renewed Certificates of Deposit opened during membership. It’s straightforward, transparent value on a product already FDIC-insured up to applicable limits.

Member-Only Savings On Everyday Banking

Enjoy 50% off safe deposit box rental and 50% off mortgage application fees, plus one complimentary bank check per month. They’re practical perks that really add up.

Concierge Access

Gain access to a dedicated 1902 Club phone line that connects you to priority care. Use it for quick answers, troubleshooting, and immediate assistance. (Number provided upon enrollment for member privacy.)

Personal Recognition & Invitations

Look for personalized communications, a Wealth Management review invitation, and an exclusive annual 1902 Club event that brings members together.

Enrollment Is Streamlined

We make activation simple and ensure your benefits are attached to your accounts. Your checks and card are ordered promptly, and your Platinum-level privileges are set up so you can begin using them right away. Prefer to discuss first? Request a private consultation, and we’ll tailor next steps to your goals.

Service That Goes Above and Beyond

1902 Club members receive personalized attention and priority support through their own dedicated service line.

It’s just one of the many ways our members enjoy white glove treatment, as well as other perks like VIP access, tailored support, and a direct connection to your banking team.

1902 Club FAQs

Who qualifies for 1902 Club membership?2025-11-14T14:57:00-05:00

Currently, individuals who maintain $1,000,000 or more in total personal deposits with Trustco Bank qualify. We’ll verify eligibility, and once you qualify, we’ll ensure your benefits are added to your accounts.

Are business accounts eligible?2025-11-14T14:57:17-05:00

The 1902 Club is currently designed for retail (personal) relationships. Business accounts are not included at this time.

How does the extra 0.05% on CDs work?2025-11-14T14:57:31-05:00

When you open or renew a CD while you’re a Platinum member, we add 5 basis points to the CD rate available at that time. If you become eligible after opening a CD, the enhancement begins at your next renewal. CDs are FDIC-insured up to applicable limits.

What if my deposits dip below the deposits eligibility threshold?2025-11-14T14:57:49-05:00

Eligibility is monitored. If your total personal deposits fall below the threshold, benefits may cease until eligibility is restored. Your banker will review options with you to maintain status if desired.

What kind of “concierge access” will I receive?2025-11-14T14:58:03-05:00

Platinum members receive a dedicated 1902 Club phone line for priority assistance with day-to-day banking questions and requests. The number is provided after enrollment to maintain member privacy.

Are there fees for joining the 1902 Club?2025-11-14T14:58:21-05:00

There’s no separate membership fee. Standard account service charges remain as applicable to your underlying accounts; your banker can review how Platinum benefits interact with your current setup.

Can Wealth Management be part of my 1902 relationship?2025-11-14T14:58:38-05:00

Yes. Many Platinum clients coordinate deposit strategies with Trustco Wealth Management for investment, trust, and estate needs. We’ll connect you with the right professionals for a complimentary review.

Experience The Prestige Of The 1902 Club

If you qualify, you will automatically be invited to start taking advantage of exclusive 1902 club perks. It’s truly exclusive and perfect for VIPs like you.

Want to speak with a branch administrator to learn more?

Northeast Region: 518-381-3699 Ext. 1268
Florida Region: 407-659-5701

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