All Faq
- ATM/Debit Card
- Customer Alerts E-mail/Test Alerts
- Customer Services
- E-Statements
- General Banking
- Mobile Banking
- Mobile Deposit
- Mobile Wallet
- Online Banking
- Security
- Zelle
Trustco Bank was founded in Schenectady, New York in 1902 and is now headquartered in Glenville, New York. Trustco has over 135 branches spread among New York, Florida, Massachusetts, New Jersey and Vermont.
TRST is the stock symbol for Trustco Bank.
Trustco Bank offers a wide variety of deposit and loan accounts. For additional information on any of these accounts, click on the links below:
Visit a Trustco Bank location near you and a branch manager will help you set-up your new Trustco Bank account. Please take your photo ID and any supporting documents, if applicable.
Visit a Trustco Bank location near you and a branch manager will make this process easy for you. They will assist you with transferring your automatic payments and deposits to Trustco Bank with ClickSwitch®.
To change your name on your accounts, please take your updated photo ID and any supporting documents (i.e. marriage certificate, divorce, or other court orders) into any of our Trustco Bank locations. We will update our records and your signature card with your new name.
You can contact customer service at 1-800-670-3110 (between 8:00am and 8:00pm, M-F, and 8:00am and 5:00pm, Saturday, otherwise you can use one of the following options for assistance:
- You can contact our automated 24-hour telephone banking system at 1-800-670-4110. If you need assistance with your debit card, call 1-800-670-3110 (24 hours).
- You can also access your accounts using our online banking 24 hours a day.
Prior to your maturity date, you will receive a Certificate of Deposit renewal notice in the mail. You have a 10-day grace period after the maturity date, during which you can select a different term or deposit additional funds. If no action is taken, your CD will automatically renew for the same term and at the then current rate of interest. Simply contact your local branch or visit the branch location to renew your CD.
You can easily transfer funds by telephone using our automated 24 hour telephone banking system at 1-800-670-4110. You can also transfer funds at ATM machines or online, using our online banking. If you would feel more comfortable speaking to someone, contact any of our branch managers and they would be glad to assist with transferring funds.
Visit any Trustco Bank location and a branch manager will happily assist you with the Debit Card application.
Trustco Bank Debit Cards should be delivered within 7-10 days from the time of the request.
Once you receive your Trustco Bank Debit Card, you can activate the card and choose a personal identification number(PIN) by calling 1-877-744-2274. You will be prompted to answer security questions to verify your identity to activate the card and will then be prompted to choose a PIN of choice. Please be sure to have your business tax identification number available for business debit cards. Sign your name on the back and you can begin using it immediately.
If you know your current PIN but would like to update it to a new PIN, call 1-877-267-5986 and follow the instructions to choose a new PIN.
A. If you do not know your current PIN, please call Customer Service to verify your identity at 1-800-670-3110 (between 8:00 am and 8:00 pm, M-F, and 8:00 am and 5:00 pm, Saturday).
Multiple accounts can be linked to a Debit Card as long as the cardholder is an account owner on all accounts requested to be linked. Only one Home Town Premier or Home Town Free Checking Account will be flagged as the Default Point of Sale Account. The remainder of the accounts linked to the Debit Card would have access to complete ATM withdrawals.
Statement Savings Accounts have access to ATM’s only. Health Savings Accounts have access to Merchant Point of Sale Terminals only for qualified health purchases and will be linked to a Health Savings Account Card.
Yes, There is a daily limit of $500.00 for ATM Withdrawals and $3,500.00 for Merchant Point of Sale Terminal Transactions.
There are no debit card fees for transactions or balance inquiries if completed at:
- Point of Sale Terminals
- a Trustco Bank ATM.
- An AllPoint Network ATM
- ATM’s within Publix Supermarkets
All other Non-Trustco ATM’s will assess the following fee’s:
- $2.95 will be charged for each balance inquiry.
- $2.95 will be charged for each domestic transaction.
- $5.00 will be charged for each international transaction.
- Additional fees may be charged by the owner of Non-Trustco ATM’s
Your Debit Card can be used for purchases at millions of locations around the world that accept MasterCard debit cards. This includes restaurants, gas stations, retail stores, purchases on the internet, ATMs, etc.
Since your Trustco Bank Debit Card has a MasterCard® logo on it, you can process your payment as a credit purchase. By choosing credit, you may be required to sign the receipt and the funds will be deducted from your account.
Some businesses require that you enter your PIN. You will be prompted at the terminal to enter your PIN and the funds will be deducted from your account.
Use our Trustco Bank branch locator or the AllPoint Network locator for a list of ATM locations. Most of our ATMs can be accessed 24 hours a day.
You can track all of your Debit Card transactions 24/7 by enrolling in online banking and/or mobile banking. Real-time transaction alerts can be received by downloading the CardValet application on your mobile device. You can also enter your transactions in your checkbook register, and every purchase will appear on your monthly checking account statement.
Yes. Whether you are traveling domestically or internationally, it is important to notify the bank to avoid transactions from being denied. Contact Customer Service at 1-800-670-3110 or any Trustco Bank location. You will need to inform them the dates and locations you will be traveling to.
Immediately contact customer service 24/7 at 1-800-670-3110 to report your card lost or stolen. A replacement card can be requested by contacting your local branch or call customer service at 1-800-670-3110 (between 8:00 am and 8:00 pm, M-F, and 8:00 am and 5:00 pm, Saturday).
Call/visit your local branch or call customer service at 1-800-670-3110 to dispute the unauthorized transactions (between 8:00 am and 8:00 pm, M-F, and 8:00 am and 5:00 pm, Saturday).
Trustco Bank has 24/7 fraud monitoring of Debit Card transactions to check for abnormalities in transaction activity and/or location. Transactions may be blocked and you will be notified to confirm by text (if a mobile number is on record), phone call, and/or mailed notification in the event a transaction appears to be fraudulent. It is still important to monitor your account activity as not all fraudulent transactions can be caught by Trustco Bank’s fraud monitoring.
Yes. Trustco Bank Debit Cards are compatible with Apple Pay, Samsung Pay, and Android Pay. Please visit the Mobile Wallet FAQ’s for additional information on how to enroll and use.
Some merchants will request an authorization for a “general” amount. The authorization amount can be lower or higher than the actual transaction amount. The authorization will show as a pending transaction and will place a hold on funds affecting your available balance. At the time the transaction settles, your account is charged the actual amount of the transaction and the authorization is removed. For Example:
For gas purchases an authorization is requested prior to dispensing fuel. Most pay-at-the-pump gas purchases are initially authorized for $1. Only the actual amount of the purchase will post to your account when the transaction settles.
For restaurants an authorization prior to a tip being added. In this case, the authorization amount may be lower than the actual transaction amount. When the transaction settles you will be charged the final purchase amount (total bill + tip).
For Hotel/Cruise/Car Rental an authorization in the amount equal to the entire stay plus an estimated amount for incidentals may be used. This can also be true for car rentals and cruise lines, which may include deposits and/or other fees.
Your new Debit card will arrive within two weeks from the 1st of the month. Your current card is good through the last day of the expiration month that appears on the front of your card. If you do not receive your new card within two weeks from the 1st of the month, contact your local Trustco Bank location or Customer Service at 1-800-670-3110.
No. Purchase receipts will only display the last four digits of your Debit Card number. However, it is always good practice to keep your receipts in a secure place.
Yes. Once enrolled in our online banking, you can receive alerts and reminders about balances, transfers, and other account activity..
You can set-up alerts to be delivered via text message or email.
Yes you can have multiple email addresses or multiple cell phones linked to receive alerts and reminders.
Once enrolled in our online banking, click "Other Services" and then click "Alerts". Follow the steps to complete the alert set-up process.
Once enrolled in our online banking you can set-up as many alerts and reminders as you like for free. Standard messaging and data rates may apply and vary by carrier.
In the "Other Services" menu, click "Alerts" then enter additional email addresses and click "Save" when finished.
To add a cell phone, follow the addresses listed below that correlate with your cell phone provider. The addresses also are entered in the "Additional E-Mail Address" field
The list below contains the largest cell phone providers. For additional text formats please contact customer service at 1-800-670-3110 (between 8:00 am and 8:00 pm, M-F, and 8:00 am and 5:00 pm, Saturday) or your cell provider.
- AT&T: 10digit@txt.att.net (Ex. 5551234567@txt.att.net)
- Verizon: 10digitphonenumber@vtext.com
- Alltel: 10digitphonenumber@message.alltel.com
- Nextel: 10digitphonenumber@messaging.nextel.com
- Sprint: 10digitphonenumber@sprintpaging.com
- T-Mobile: 10digitphonenumber@tmomail.net
After you have successfully entered your mobile phone text message address follow the steps to complete the set-up process. You will receive a text message with a confirmation code. You will need to enter this to complete the set-up process.
For New York, Vermont, Massachusetts, New Jersey customers, Trustco Bank’s ABA routing number is 021300912. For, Florida customers 063192450.
You can reorder checks online (Order Checks online). You can also contact customer service at 1-800-670-3110 (between 8:00 am and 8:00 pm, M-F, and 8:00 am and 5:00 pm, Saturday) or visit any Trustco Bank location.
You can stop a payment using our online banking. If you prefer, you can contact customer service at 1-800-670-3110 (between 8:00 am and 8:00 pm, M-F, and 8:00 am and 5:00 pm, Saturday) or visit any Trustco Bank location. You will need to provide the check number, the amount of the check, the date the check was written and the payee. The current fee for a stop payment is $30.
It’s easy to obtain a copy of your checks using our online banking. You have access of your check images 24 hours a day directly online. You can also visit any Trustco Bank location or contact customer service at 1-800-670-3110 (between 8:00 am and 8:00 pm, M-F, and 8:00 am and 5:00 pm, Saturday) for this request.
You can access our automated 24 hour telephone banking system by calling 1-800-670-4110.
Determining the availability of a deposit
The length of the delay is counted in business days from the day of your deposit. The Bank’s cut-off hour for receiving deposits is the time of branch closing which varies at different locations. A deposit or withdrawal made prior to the Bank's processing cut-off time Monday through Friday will be applied on the day it is made; a deposit or withdrawal made after the Bank's processing cut-off time or on a Saturday, Sunday, or legal holiday will be applied on the next business day.
The length of the delay varies depending on the type of deposit and is explained below.
Same Day Availability
Funds from electronic direct deposits to your account will be available on the day we receive the deposit.
Next Day Availability
Funds from the following deposits are available on the first business day after the day of your deposit:
- U.S. Treasury checks that are payable to you.
- Wire transfers.
- Checks drawn on Trustco.
If you make a deposit in person to one of our employees, funds from the following deposits are also available on the first business day after the day of your deposit:
- Cash
- State and local government checks that are payable to you (if you use a special deposit slip available from Trustco).
- Cashier’s, certified, and teller’s checks (if you use a special deposit slip available from Trustco).
- Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you.
If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available on the second day after the day of your deposit.
Checks
The first $225 from a deposit of checks will be available on the first business day after the day of your deposit. The remaining funds will be available on the second business day after the day of your deposit.
For example, if you deposit a check of $700 on a Monday, $225 of the deposit is available on Tuesday. The remaining $475 is available on Wednesday.
Longer Delays May Apply
Funds you deposit by check may be delayed for a longer period under the following circumstances:
- We believe a check you deposit will not be paid.
- You deposit checks totaling more than $5,525 on any one day.
- You redeposit a check that has been returned unpaid.
- You have overdrawn your account repeatedly in the last six months.
- There is an emergency, such as failure of communications or computer equipment.
- You deposit a check in U.S. funds which is not drawn on a bank located in the U.S.
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.
Special Rules for New Accounts
If you are a new customer, the following special rules will apply during the first (30) days your account is open.
- Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you and you must use a special deposit slip available from Trustco. The excess over $5,525 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit.
Funds from all other check deposits will be available on the ninth business day after the day of your deposit.
Visit or contact your local branch immediately. A branch manager will assist you in disputing this transaction.
An E-Statement is an electronic version of your statement with images available online via our Internet site. You can view and print your statement right from your computer, avoiding the wait for traditional mail.
No longer want to receive paper statements? You can receive your statements and check images through our online banking system. Here are some great reasons to go paperless:
Simple – Less paper to keep track of.
Fast – You’ll receive an email notification when your statement is available.
Convenient – View and print your statements anytime.
No. e-Statements are a free service once enrolled in our online banking.
Yes, you must have online banking access in order to view your e-Statements.
No. Once enrolled in our online banking you will have immediate access to your e-Statements.
Once enrolled in our online banking, click the statements button under the Accounts tab then click e-Statements and follow the instructions to enroll in e-Statements.
Loans, Checking, Money Markets, and Statement Savings accounts are eligible to be received as e-Statements.
You can login to view your e-Statements at any time! Your e-Statements will be available within 24 hours after your statement cycle ends. We will send you an email alerting you that your e-Statement is ready for viewing.
Yes, your e-Statement is exactly the same as a paper statement.
Yes, your check images (front and back) are included with your statement.
Yes. Once you open the e-Statement you will be able to print it just like you print any document on your computer.
Once e-Statements start, your paper statement will no longer be produced. Since either owner on an account can request an e-Statement, the other owner may have signed up for e-Statements and the paper statement is no longer being printed.
Yes, you can go back at any time to paper statements. Visit any Trustco Bank location and a branch manager will happily assist you with switch back to paper statements.
e-Statements will be viewable online for 18 months. Therefore, we recommend that you electronically save or print a copy of each of your e-Statements for your records.
You will need your Social Security Number and your date of birth to enroll in Online Banking. The information you provide is safeguarded using secure internet data encryption technologies and is only used for setting up your account. For business customers, please visit a Trustco Bank location to request online access.
To access your online accounts, stop into any of our over 135 Branch locations and speak to the Branch Manager.
During the enrollment process, for security reasons and to maintain the confidentiality of your Login ID and password(s), you will select your own Login ID and password. You can change your password on online banking at any time. You should change your password periodically.
In terms of software requirements, we support the two most recent versions of the following browsers:
For Macintosh:
*Some areas of our site may require the use of Adobe Acrobat Reader. Other browsers and operating systems may work effectively; however, we do not test against them and therefore your experience may vary. We regularly monitor and test browsers to ensure the highest security standards.
Trustco Bank’s online banking gives you access to your accounts 24 hours a day, 7 days a week. You have the ability to:
- Review Transactions
- Balance Accounts
- Transfer fund between checking, savings and money markets accounts.
- Make Trustco loan payments by transferring directly from your checking or savings account.
- View monthly e-statements
- Free Bill Pay
- Download information to Quicken and Microsoft Money.
- Request stop payments on checks.
- Reorder checks
- Receive email and text alerts – for account balance, checks cleared, successful transfers and more!
No. You can also access your accounts using our online banking 24 hours a day.
Pending transactions are hold(s) or credit(s) place on your account affecting your available balance. Some pending deposit amounts may include funds that are being held. Some pending debits may reflect a merchant hold on your account, which may or may not be the final amount posted to your account.
If you have forgotten your Login ID or password, please call customer service at 1-800-670-3110 (between 8:00 am and 8:00 pm, M-F, and 8:00 am and 5:00 pm, Saturday) in order to regain access to online banking.
Your access to online banking will be blocked in the event your Login ID or password is entered incorrectly on three consecutive access attempts. If this occurs, please call customer service at 1-800-670-3110 (between 8:00 am and 8:00 pm, M-F, and 8:00 am and 5:00 pm, Saturday).
Visit any Trustco Bank location and a branch manager will happily assist you with adding your new account to your online banking access. You can also contact customer service at 1-800-670-3110 (between 8:00 am and 8:00 pm, M-F, and 8:00 am and 5:00 pm, Saturday) for assistance.
You can schedule transfers as one time transactions or as recurring events that repeat for a specified duration. Click the transfers tab, then click create a new transfer and follow the steps to complete the transfer set-up process.
You can change your User ID and password under your profile in Online Banking.
Contact your local branch or call customer service at 1-800-670-3110 (between 8:00 am and 8:00 pm, M-F, and 8:00 am and 5:00 pm, Saturday) immediately. Trustco Bank will never send you an email with a link to our logon page or ask you for any personal information using email.
No. Once you are enrolled in online banking, Bill Pay is a free and secure way to pay your monthly bills.
Once enrolled in our online banking, simply login and click on the Bill Pay tab. Click the Open Bill Pay button and follow the steps to complete the set-up process. Your request for Bill Pay access will be confirmed by email within 2 business days.
For Bill Pay assistance, please call 1-833-884-4716. A representative will be able to assist you with tracking your payment.