Personal Banking — Savings

Glens Falls National offers a variety of savings products created with you in mind, to meet your financial needs and work with your daily schedule. We would be happy to provide you with additional information on any of our services and help you find the best savings account to serve your needs. Please call any of our 28 offices or 793-4121 or contact us through our website.

SAVINGS ACCOUNT SERVICES

Basic Savings / Kidificate — A continual term, variable rate account with no minimum deposit required to open. Low minimum daily collected balance required to avoid monthly service charge and to earn interest. Earned interest may be credited to another Glens Falls National Bank and Trust Company checking or savings account. Designed to make saving easier. Service charges waived on Kidificate accounts.

Cornerstone / Cornerstone Plus — A relationship account for saving and investing. Tiered, continuous term variable rate account with no minimum deposit required to open. Minimum balance required to avoid monthly maintenance fee.

Money Market / Money Market Gold / Diamond Money Market— Tiered, continuous term, interest bearing account. Minimum deposit required to open and to avoid monthly maintenance fee.

Certificates of Deposit — Competitive rate of interest offered based on term of certificate. Minimum deposit required. Certificate may be used as collateral for Glens Falls National Bank loans. All Certificates of Deposit renew automatically at the prevailing rate, penalty for early withdrawal. Certificates of deposits range in terms from 90 days to five years. Tax Deferred and Retirement Planning Certificates of Deposit are also available.

Individual Retirement Account — Retirement savings plans with options. Establish a new IRA, transfer or rollover into money market rates, fixed rates or fully managed accounts. Minimum deposit to open, maximum annual deposit requirements.

Automatic Holiday Club— This account earns a competitive fixed rate and provides for a systematic means of savings. Automatic deduction only, based on aggregate deposits made over a 52 week period. Interest is paid on all competed automatic deduction clubs.

First Home Club — A continuous term account with no minimum deposit required to open. Minimum daily collected balance required to earn interest. This is a variable rate account.

Money 200 Club — A low cost savings account with enrollment in the Money 2000 program through Cornell Cooperative Extension. Low minimum daily collected balance to earn interest. No service charge or withdrawal fees. Additional access through an ATM/24 Hour Banking Card for Savings only or a Visa® Check Card if linked to a checking account.