The Adirondack Trust Company provides various banking products and services to individuals and businesses in New York. The company offers checking and savings accounts, direct deposits, and reorder checks; home mortgage, home equity, auto, personal, and term loans, as well as lines of credit, SBA lending products, construction and development financing, and commercial real estate loans; and fixed-rate and adjustable-rate mortgages, home refinance, and home equity line of credit, as well as mortgages for first-time homebuyers. It also provides debit and credit cards; workplace banking services; overdraft checking services; mobile and online banking services; merchant processing services; mobile check deposits; and wire transfer, night depository, and ACH origination services. In addition, the company offers wealth management services, such as financial and retirement planning, investment management, as well as estate and trust services; and insurance solutions for auto, home, life, umbrella, renters, long-term care, business, and others. The company was founded in 1901 and is based in Saratoga Springs, New York.