Personal Checking | Glens Falls National Bank

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Personal Checking

Banking That's Easy and Convenient

Glens Falls National Bank offers a range of checking accounts to make banking easy, convenient and economical. Plus, with all of our accounts, you can rely on our 24/7 online tools and great local service. Visit any branch to open your account or use the Apply Now button to open online.


The following additional features are available for ALL of the checking options listed on our table:


Our Checking Accounts

Account Name Get Started* Is It Right for You? Details Interest ATM Usage Free Paper Statements
Free Checking APPLY NOW This simple account is free and paperless
  • No minimum balance
  • $0 maintenance fee
  • Free first order of checks**
None Standard No
Elite Checking APPLY NOW Earn 6.01% APY on balances up to $5,000; ATM fees waived; Must have direct deposit
  • No minimum balance
  • $0 maintenance fee
  • Free first order of checks**
Yes Standard (Up to $15 in ATM surcharge rebates per month) No
Interest Checking APPLY NOW Interest-bearing account with low minimum balance
  • $250 min balance to earn interest and avoid $8/month maintenance fee and $0.30/check charge
  • Free starter checks** (4)
Yes Standard Yes
Student Checking APPLY NOW Great for teens and young adults 13-23; Minors must have adult on account
  • No minimum balance
  • $0 maintenance fee
  • Free starter checks** (4)
None Standard (Out-of-area students only: No fees from us at non-GFN ATMs and get reimbursed up to $10/month for other banks’ ATM fees) No
Smart Steps VISIT BRANCH Take control of your finances with no overdraft fees§
  • No overdraft fees
  • No minimum balance
  • $4.95/month maintenance fee
None Standard No


*Must be age 18 or older to apply online. Use Google Chrome for best online experience.
**Check style based on account type.
†Includes free unlimited use of Glens Falls National Bank ATMs (fees apply for non-Glens Falls National Bank ATM use unless otherwise specified).
‡Offer valid only on new accounts and new money not currently on deposit with Glens Falls National Bank or any subsidiary of Arrow Financial Corporation. Elite Checking is a variable rate account and the Annual Percentage Yield (APY) may change at the Bank’s discretion. To earn the APY stated above and receive the rebate of ATM surcharges up to $15 per statement cycle, eligibility requirements must be met. For daily balances of $5,000 and under, the APY paid on the entire balance will be 6.01%. For the portion of the daily balance that is greater than $5,000 the APY will range from 6.01% to 0.05% depending on the balance in the account. ELIGIBILITY REQUIREMENTS: Individuals must have a recurring ACH direct deposit; be enrolled in Online Statements through Internet or Mobile Banking and use their debt card ten (10) times in a statement cycle to qualify for this account. Debit card usage does not include ATM transactions. Debit card transactions that are in a pending status at time of statement cycle cutoff will not count toward eligibility requirements. Direct Deposit is recurring income electronically deposited into your checking account and may include salary, pension, Social Security and Supplemental Security Income (SSI) benefits and other regular monthly income. A statement cycle is the period of time between account statements. If eligibility requirements are not met in a statement cycle, the entire balance will earn an APY of 0.05% and ATM surcharges will not be rebated. The minimum deposit to open Elite Checking is $5. If Online Statement enrollment is not met, there is a $3 monthly fee for paper statements. Fees may reduce earnings. Annual Percentage Yields (APYs) are accurate as of 07/15/24.
§Overdraft protection/Line of Credit Cash Reserve are not available on this account. We may decline or return transactions that would result in an overdraft. Checks that cause the account to become overdrawn will be returned unpaid. The payee may charge additional fees when the check is returned. Some transactions that you make may cause your account to become overdrawn that are beyond our control, but we will not assess an overdraft fee or a return item fee to your account. For example, preauthorized transactions may post to your account even when the balance in your account is not sufficient to pay the transaction.


Quick Guide to Applying Online

It takes just a few minutes to apply online. Use Google Chrome for best experience.

1) Have these items ready

  • Driver's license/state ID/passport (you'll need to take and upload a picture)
  • Taxpayer Identification Number/Social Security Number
  • Contact information for yourself and an account co-owner, if you are adding one

2) Fill out the application

  • Go step-by-step to complete the quick application
  • Create a password at the end of the application

3) Fund your new account

  • After you submit, we’ll follow up with how to make your opening deposit

Visit our Checking and Savings Account FAQs for answers to your questions.

Need to Log Back In?

Access the Application Portal anytime to finish a saved application or fund your account.