Manage Your Money

Personal Accounts

  • Rewards Checking Account

    A personal checking account that provides the customer the ability to earn interest on a smaller checking account balance and refunds nation-wide ATM fees!

    • $100.00 minimum opening balance
    • No monthly maintenance fee
    • 1 standard check order per year at no additional charge
    • ATM access
    • Telephone Banking
    • eStatements (required)
    • Debit MasterCard®
    • Limit one REWARDS Checking account per individual
    • FDIC Insured


    Rewards FAQ

  • Premier Checking Account

    A very popular checking account which offers accidental death insurance and term life insurance1 for a fixed monthly maintenance fee.

    • $100.00 opening balance
    • Unlimited check writing with no per check fee
    • 1 standard check order per year at no additional charge
    • Telephone Banking
    • Debit MasterCard® (optional)
    • ATM access (charges may be imposed from other institutions)
    • FDIC Insured

    1The term life insurance policy offered in this ad is not a deposit, not FDIC insured, not insured by any federal government, not guaranteed by the bank or any other financial institution, and may go down in value.

  • Extra Advantage Account

    Designed with a low monthly service charge, this "no frills" account is an economical account!

    • $100.00 minimum opening balance
    • $3.00 monthly maintenance fee - Service charge is waived if account is enrolled into eStatements or account daily balance remains $1,000 or greater.
    • 1 standard check order per year at no additional charge
    • Overdraft Privilege
    • Telephone Banking
    • Debit MasterCard® (optional)
    • ATM access (charges may be imposed from other institutions)
    • FDIC Insured
  • Student Account

    Designed for customers up to age 26, who are students.

    • $100.00 minimum opening balance
    • No monthly maintenance fee
    • 1 standard check order per year at no additional charge
    • eStatements (required)
    • Telephone Banking
    • Debit MasterCard® (optional)
    • ATM access (charges may be imposed from other institutions)
    • FDIC Insured
  • International Account

    • Meets the needs of TROY's International students and other International citizens.
    • $100.00 minimum opening balance
    • No monthly maintenance fee
    • 1 standard check order per year at no additional charge
    • eStatements (required)
    • Telephone Banking
    • Debit MasterCard® (optional)
    • ATM access (charges may be imposed from other institutions)
    • FDIC Insured
  • Super Now Account

    Provides the customer with a full function, unlimited withdrawals, checking account while earning interest on their available balance. Customer must meet eligibility requirements of being an individual, municipality, sole proprietorship, or non-profit organization. Because of the unlimited transactions, the annual percentage yield on this account is normally slightly less than that of the Money Market Deposit Account.

    • $2,000 minimum opening balance
    • Unlimited withdrawals at no additional charge
    • Interest is compounded monthly and paid monthly
    • Telephone Banking
    • Debit MasterCard® (optional)
    • ATM access (charges may be imposed from other institutions)
    • FDIC Insured
  • Professional Now Account

    Provides the customer with a full function, unlimited withdrawals, checking account while earning interest on their available balance. This is an interest bearing transaction account with many additional benefits.

    • $100.00 minimum opening balance
    • $7.00 monthly maintenance fee - Fee waived if daily balance remains above $500
    • Unlimited withdrawals at no additional charge
    • 1 standard check order per year at no additional charge
    • Discount on Safe Deposit Box
    • Telephone Banking
    • Debit MasterCard® (optional)
    • ATM access (charges may be imposed from other institutions)
    • FDIC Insured

Notice of Expiration of the Temporary FDIC Insurance Coverage for Noninterest-bearing Accounts

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit www.fdic.gov

Top

You are leaving Troy Bank & Trust

By clicking Continue, you will be taken to a website that is not affiliated with Troy Bank & Trust. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Troy Bank & Trust's website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Troy Bank & Trust.

Continue
×

Unsecure Email Disclosure

Your privacy is very important to us. We would like to advise you that Internet email is not a secure method of communication. Please do not submit any information that you consider confidential. We recommend you do not include any specific identifying information such as your social security, account, PIN numbers, date of birth, etc...

Continue
×

Affiliate Website Notice

By clicking Continue, you will be taken to our affiliate's website. Products and services offered shown will be provided by our affiliated entity. Some products offered may not be FDIC insured. Please read the privacy and security policies on our affiliate's website. In some instances, these policies may differ from those of Troy Bank & Trust Group.

Continue
×