A

Adirondack Bank

Best ForEveryday Medical Spending
FeesNone ($0 Maintenance)

Quick Summary

  • HSA savings account

The Verdict

Adirondack Bank provides essential HSA features with zero monthly maintenance fees and basic savings functionality, earning a 0/5.0 rating from HSA Orbit.

When you choose Adirondack Bank, you are rewarded with consistent, local, and personalized service. Experience the difference as you become an integral part of our deep commitment to our surrounding communities. We promise that with us, you will always be treated like a neighbor, not a number.

Our passion for providing the best doesn’t stop with our unparalleled service. Our focus is on providing you with the most competitive products on the market which truly sets us apart in our region and industry.

We thank you for choosing to “Bank Local” and becoming part of something bigger than banking. Without you, Adirondack Bank wouldn’t be what it is today.

Key Features

Banking & Access

Includes debit card, online banking and check-writing.

Investment Options

This provider focuses on cash savings without investment options.

Security & Insurance

Deposits are FDIC/NCUA insured for your protection.

Account Details

No minimum balance to open. no account opening fees.

Fee Analysis

Fee TypeThis ProviderIndustry AverageVerdict
Monthly Maintenance$0.00$0.69EXCELLENT
Account Opening$0.00$1.88EXCELLENT
Account Closing$0.00$1.95EXCELLENT

Industry averages calculated from 853 providers in the HSA Orbit database.

Investment Options

Savings-Only Account

Adirondack Bank currently offers a savings-focused HSA without investment options. Your funds earn interest in a cash account.

Interest Rates

Standard Rates

Balance RangeAPY
$0 - $2,5000.01%
$2,500 - $10,0000.02%
$10,000+0.03%

Last updated: 01-13-2026

Contact Information

Address

185 Genesee Street Utica, NY 13501 Customer Service

Customer Service

(877) 404-2265

185 Genesee Street Utica, NY 13501 Customer Service

At a Glance

Monthly Fee$0
Investment ThresholdN/A
Interest Rate (Cash)~0.03%
Debit CardIncluded
FDIC InsuredYes

Pros & Cons

The Good

  • No monthly maintenance fees
  • No account opening or closing fees
  • FDIC/NCUA insured deposits

The Bad

  • No investment options available

User Sentiment

Based on community feedback

--
NegativeNeutralPositive

Sentiment data coming soon

Compare with Related Providers

L

Linn Area Credit Union

Linn Area Credit Union is a not-for-profit, full-service financial organization with branches in Cedar Rapids and Marion, Iowa. We are very much a local organization; our employees are your neighbors and our kids go to the same school. “We Are Family” is not just a tagline, it’s how we operate. We don’t call you “customers,” we call you “members.” You’re a member of the family, as well as a member/owner of the credit union. (We aren’t going to make you wear a Member’s Only jacket, though. That would be ridiculous.)

Read Review →
W

Warren-Boynton State Bank

The mission of the Warren-Boynton State Bank is to serve its customers and communities by remaining a strong and stable community bank focused on providing high quality financial products and personal service. Warren-Boynton State Bank is a full-service bank offering loan services for farm, commercial, and consumer purposes as well as commercial and residential real estate loans. The bank has a comprehensive line of deposit products for both businesses and consumers including checking accounts, money markets, savings, IRAs and certificates of deposit.

Read Review →
F

Fortifi Bank

Fortifi Bank has been a federally chartered financial institution for 140 years. Our asset size is $395 million and our capital levels are considered very strong. We will be here for at least another 150 years. Together, we fuel progress in the neighborhoods where you live and work. Your money turns into loans for individuals and small businesses that you know. We always provide the ultimate client experience and exist to fulfil the dreams of people, businesses, and communities through innovative financial solutions.

Read Review →