From young savers to college students to senior citizens, Albany Bank & Trust offers a wide variety of accounts to meet the diversified personal needs of our community.

Checking Accounts Regular Checking This account features unlimited check writing and no monthly maintenance fee, if minimum balance is maintained.	Savings Accounts Money Market Earn a competitive interest rate with no monthly maintenance fee, if minimum balance is maintained.
Low Cost Checking You may prefer to carry a low balance with minimal check writing.	Statement Savings Earn a slightly higher interest rate than our regular passbook savings, with the convenince of ATM access.
College Student Checking Designed for full time college students, this account features a low monthly maintenance fee of $2.50.	Senior Statement Savings With the convenience of our regular statement savings, senior citizens age 55 or older can make unlimited withdrawals at a teller window for no charge.
Senior Citizen Checking This account features unlimited checks with NO monthly maintenance fee and NO checks paid fee.	Young Savers Statement Savings Young savers under the age of 18 can experience the excitement of watching their own money grow.
N.O.W. Account Earn interest on your checking account with a daily minimum collected balance.	Certificates of Deposit We offer a wide variety of rates, terms and opening deposit amounts.
Senior Citizen N.O.W. Account A N.O.W. account with special benefits just for seniors, age 55 and older!	Individual Retirement Accounts Choosing one of our IRA's will enable you to earn a competitive interest rate and receive special tax benefits.