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Passbook Savings

Passbook Savings

Our Passbook Savings creates an excellent entry point to the benefits of saving. It only takes $1 to open this account, and there is never a monthly service fee or minimum balance.

The ease of opening this account makes it an ideal way to introduce savings lessons to your children — lessons that will service them for a lifetime of financial well-being.


  • Ideal for customers with low account balances
  • Can be used as a youth account to teach children good savings habits
  • Competitive interest earned on balances of $50 or more
  • Interest compounded quarterly
  • No monthly service fee
  • No minimum balance requirements
  • Deposits and withdrawals recorded in passbook
  • Free online banking
  • Free eStatements
  • FDIC insured
  • $1 minimum deposit to open
Set Yourself Up For Future Success

Our deep community roots make us proud to serve Western NY!