Offer only available to residents of the following counties: New York: Albany, Columbia, Dutchess, Fulton, Greene, Montgomery, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Ulster, Warren, Washington, and Westchester. Florida: Brevard, Charlotte, Collier, Flagler, Hillsborough, Indian River, Lake, Lee, Manatee, Martin, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, St Johns, St. Lucie, Sarasota, Seminole, and Volusia. New Jersey: Begen. Vermont: Bennington. Massachusetts: Berkshire.
Promotional period is 10/3/2025 – 10/31/2025. *Promotion available for new Home Town Checking accounts, opened with money not currently on deposit at Trustco Bank with ongoing direct deposit during the promotional period. Direct Deposit must be the entire amount from a recurring Payroll, Social Security, and/or Pension (minimum of $500 monthly Direct Deposit). Direct Deposit must be completed within 60 calendar days from the date that the account was opened. Minimum of $50 to open a Home Town Free & Student Checking Account and does not earn interest. A minimum of $50 is required to open a Home Town Premier Checking account. $5.00 monthly service charge. Monthly average collected balance of $500.00 or reoccurring direct deposit of payroll, retirement, or social security income is required to avoid $5.00 monthly service fee. Daily minimum collected balance of $500.00 is required to earn interest. Annual Percentage Yield (APY) of 0.01% current as of 10/6/2025. A minimum of $50 is required to open a Home Town Investment Checking account. $25.00 monthly service charge. Monthly average collected balance of $20,000.00 or reoccurring direct deposit of payroll, retirement, or social security income is required to avoid $25.00 monthly service fee. Daily minimum collected balance of $20,000.00 is required to earn interest. Account has a 3.50% intro rate for 3 months and a blended Annual Percentage Yield (APY) of 1.63% current as of 10/6/2025. Rates may change after the account is opened. Monthly Service Charges or fees may reduce earnings. See the branch manager for current rates and terms. Only one offer per eligible household per 12-month period. Offer subject to change without notice. Trustco employees are not eligible to participate in this promotion. All bonuses will be reported to the internal revenue service. Additional terms apply for accounts opened online. Please note: We reserve the right to alter or withdraw these products or certain features thereof without prior notification.
