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Deposit Services

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Internet Checking
Traditional Checking Plus Interest
Platinum Money Market Account
Money Market Checking
Checkmaster Checking
Club 50 Checking
Pacesetter Checking
Free Payroll Direct Deposit
Mortgage & Newcomer Checking
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Personal/Business Savings
Kidificate Savings
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Money Market Gold Savings
Direct Deposit Christmas Club
Certificates of Deposit
Individual Retirement Accounts
FDIC Insurance

Consumer Loans
Home Equity
Mortgages - Residential & Commercial
Business Loans
Overdraft Protection
Merchant Services

Other Services

Life Insurance (Not FDIC insured)
Long-Term Care Insurance (Not FDIC insured)
Investment Products (Not FDIC insured)
Annuities (Not FDIC insured)
Trusts & Estates
Investment Management Accounts
Retirement, Pension & Profit Sharing Plans
ATM and Telephone Banking Service
Safe Deposit Boxes
VISA® Check Card
Internet Banking / Bill Pay
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INSURANCE AND INVESTMENT PRODUCTS:

NOT A DEPOSIT
NOT FDIC-INSURED

NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

NOT GUARANTEED BY THE BANK

MAY GO DOWN IN VALUE

Insurance products are offered through Upstate Agency LLC (Chestertown, N.Y.); McPhillips Insurance Agency - a division of Glens Falls National Insurance Agencies, LLC. (Glens Falls, N.Y.); Loomis and LaPann, Inc. (Glens Falls, N.Y.); and Capital Financial Group, Inc. (South Glens Falls, N.Y.). These agencies are non-bank subsidiaries of Glens Falls National Bank and Trust Company and are licensed to sell insurance in New York State and act as agents for issuing insurers. Insurance policies are obligations of the insurers that issue the policies.