Better Banking Starts Here with $300

Member of FDIC
  • Open a Home Town Free Checking Account at a Branch Near You
  • Set Up Reoccurring Direct Deposit
  • Get $300 On Us
  • Offer Only Available When Opening Account
    In-Branch

Banking should fit your life, not complicate it. Our checking accounts are designed to give you the everyday convenience you want with the personal service you deserve.

Whether you’re managing daily purchases, paying bills, or planning ahead, we make it simple to bank with confidence.

Member of FDIC

Promotional period is 6/1/2026 – 6/30/2026. Promotion available for new Home Town Free Checking accounts, opened with money not currently on deposit at Trustco Bank with reoccurring direct deposit. Accounts opened online are excluded from this promotion. Minimum of $50 required to open a Home Town Free Checking Account. 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. Bonus of $300 will be credited within 90 days after promotional requirements have been met. Only one offer per eligible household per 12-month period. Trustco employees are not eligible to participate in this promotion. All bonuses will be reported to the internal revenue service. Please note: We reserve the right to alter or withdraw these products or certain features thereof without prior notification.