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