Adirondack Bank
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 Type | This Provider | Industry Average | Verdict |
|---|---|---|---|
| Monthly Maintenance | $0.00 | $0.69 | EXCELLENT |
| Account Opening | $0.00 | $1.88 | EXCELLENT |
| Account Closing | $0.00 | $1.95 | EXCELLENT |
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 Range | APY |
|---|---|
| $0 - $2,500 | 0.01% |
| $2,500 - $10,000 | 0.02% |
| $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
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
Sentiment data coming soon
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