⭐⭐⭐⭐⭐ 5-Star Rated Bank by Bauer Financial
Trustco’s Interest Earning Checking Account
Most banks don’t offer interest-earning potential with checking accounts. However, at Trustco Bank, we offer a rate of 1.00% APY* with the Home Town Investment Checking account, with a 1.51%* promotional rate for the first three months.
Other Home Town Investment Checking Account Benefits:
- Free Debit Card1
- Free Access to 55,000+ ATMs Nationwide
- Online Banking & Mobile App for 24/7 Access2
- Free Checks With Select Accounts3
- No Fee Checking (If Balance of $200 is Maintained)
- Small Opening Deposit Requirement — $50
Ready To Take Advantage of Promotional Savings?
Open An Account Today.
Why Our Customers Choose Trustco for Checking:
Easy Checking Access With 130+ Branches Across 5 States:
New York, Florida, Massachusetts, New Jersey, and Vermont
Trustworthy Banking You Can Rely on:
120+ Years of Community Banking With $1 Billion in Deposits in 2025
Competitive Promotional Savings Rates for Checking Accounts:
First 3 Months At a Higher Rate
Fast Account Opening:
Open an Account Online in Minutes or Visit a Local Branch
No Monthly Fees:
If You Retain $200 In Your Checking Investment Account, the $5 Fee is Waived
Savings Bundle:
Easily Pair With Trustco’s High-Yield Savings Account for Optimal Savings
We Can Recommend the Right Checking Account For You!
Investment Checking
Earn interest on your balance while enjoying free debit card access, online banking, and waived fees when you maintain qualifying balances.
Premier Checking
Get all the essentials plus free checks, interest on your funds, and a low monthly fee that’s easily waived with direct deposit or minimum balance.
Free Checking
A checking account that is packed with free benefits like no monthly fees, free debit card, and full access to online and mobile banking — perfect for everyday banking needs.
Enjoy A Better Banking Experience
When you choose Trustco, you’re choosing a bank that has stood beside its customers for over a century. We don’t believe in hidden fees or complicated terms — just straightforward banking products and services that help you achieve your goals.
Trustco offers all the services you need for every stage of your financial life.
- Mortgage Lending
- Deposit Accounts
- Business Services
- Online Banking
Compare Our Checking Accounts
Choose the Trustco checking account that fits your needs. Here’s a side-by-side comparison of our five Home Town checking accounts. Remember, only the Home Town Investment Checking has the promotional rate.
| Features | Home Town Investment Checking | Home Town Premier Checking | Home Town Free Checking | Home Town Student Checking | Home Town BankOn |
|---|---|---|---|---|---|
| FREE Debit Card1 |  | | | | |
| FREE Access to over 55,000 ATMs | | | | | |
| FREE Online Banking | | | | | |
| FREE Mobile App2 | | | | | |
| FREE Checks3 | | | | ||
| Earns Interest4 | | | |||
| Minimum Deposit to open account | $50 | $50 | $50 | $50 | $25 |
| Monthly Maintenance Fee5 | $25 or $0 | $5 or $0 | $0 | $0 | $4.99 |
Testimonials
“I had a truly wonderful experience at the Trustco Bank in Northvale when there was an issue with my bonus promotion. I received telephone calls and feedback from the bank and the branch manager. My problem was resolved due to their efforts and attention to my issue. I commend them both for their professionalism.”
David G.
Northvale, NJ
“I do not know anything about technology. The branch manager took so much time with me. He went above and beyond what he had to do. I needed so much done, and he got me through it all. All the employees there have treated me just as well as if I had a lot of money instead of just Social Security. I could not ask for more. I highly recommend this bank to anyone.”
Patti S.
Mechanicville, NY
“After going to two other banks and being faced with rude individuals, I went to the Venice office. I needed to get a loan and was not sure if I would ever be able to do so. They were incredibly patient and considerate. My loan officer calmly worked with me and treated me as though I were his own mother. Because of him, I opened up both a checking and savings account at Trustco Bank. The people at the front desk were also very nice. It is a pleasure to go there.”
MaryAnn J.
Venice, FL
Ready To Get Started?
1
Submit The Form Or Open Your Account Directly Online
Simply fill out the form on this page, and we’ll walk you through the process.
2
Open Your Checking Account
We can point you toward the account that will make your money work the hardest for you.
3
Reap The Rewards
Enjoy the many benefits that come with Trustco checking and the friendly service you can expect when managing your account.
Trustco Bank’s mission is proud to be the premier home town bank making financial dreams come true in the communities we serve. We achieve this through our commitment to excellence, treating all stakeholders fairly and with respect, while maintaining our tradition of being a pillar of strength.
Please consult with a branch manager for more details on each account.
(*) APYs are subject to change, and the minimum balance requirement to earn the promotional APY is $20,000. This offer applies to new money only. Funds must come from a source other than Trustco Bank. The introductory rate will apply for the first 3 months after the account is opened. After 3 months, this becomes a variable rate account based on current rates and levels.
(1) Initial debit card supplied at no cost. A fee may apply for replacement cards.
(2) Standard messaging and data rates may apply and vary by carrier.
(3) Initial order of checks offered free of charge. Additional checks can be ordered for a charge.
(4) Interest paid on balances of collected daily balance of $500.00 or more for Home Town Premier Checking. Interest paid on balances of collected daily balance of $20,000 or more for Home Town Investment Checking. Daily interest earnings are accrued without compounding, and deposited to the account on a monthly basis. Fees may reduce earnings.
(5) No monthly service fee with: Direct deposit of Payroll, Social Security or Retirement income OR a $500.00 monthly average collected balance for Home Town Premier Checking. No monthly service fee with: Direct deposit of Payroll, Social Security or Retirement income OR a $20,000 monthly average collected balance for Home Town Investment Checking.
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