Smart Choice Checking

Enjoy smart banking tools like mobile wallet, billpay, debit card management, Zelle , surcharge-free1 access to over 52,000 Allpoint ATMS and online statements. Maintain a $500 daily balance or enroll in eStatements and we’ll waive the $5 monthly fee.

  • Online and Mobile Banking - Access your accounts anywhere, anytime.
  • Mobile Wallet - Pay quickly and conveniently with your mobile device.
  • E-Statements - Skip the paper statement and go green.
  • Mobile Check Deposit - Deposit checks with the app on your smartphone.
  • FREE1 Zero Liability2 Debit Mastercard®
  • Surcharge-Free1 ATMs - Access to over 55,000 Surcharge-Free1 ATMs worldwide.
  • Bill Pay - The easiest way to pay your bills. No checks. No stamps.
  • Zelle  - A fast and safe way to send money in minutes.
  • Debit Card Controls - Manage your debit cards in your online banking portal.
  • Two-Way Text Alerts - Receive real time text messaging to confirm or deny suspicious transactions.
  • Early Direct Deposit

Monthly maintenance fee is $5.00. The monthly maintenance fee will be waived if ONE of the following applies: $500 minimum daily balance is maintained for every day of the statement cycle period or enrolled in electronic statements. Customer purchases checks. Other fees such as insufficient funds, overdraft privilege fee, continuous overdraft fee, etc. may apply. See fee schedule for details. 1 No surcharge fees at Ulster Savings and Allpoint ATMs applies to Ulster Savings cardholders only. Fees may apply at other ATM locations. 2 Certain restrictions, terms, and conditions apply. Contact 1-800-Mastercard for more details.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Lost or Stolen Debit Card Call 866-440-0392
Fraud Monitoring Provider - Enfact: 1-800-262-2024
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