TrustCo Bank Review
TrustCo Bank serves upstate New York with community banking, lending, and trust services since 1902.
Customer Satisfaction
Established
Total Assets
Featured Products
Checking: | TrustCo Free Checking | No monthly fee |
Savings: | TrustCo Savings | 14.00% APY |
Credit: | TrustCo Visa Rewards | 1% cash back |
Mortgage: | 30-Year Fixed | 4.00% interest rate |
Fee Rating
3.6/5
Lower is better
FDIC Insured
Yes
Certificate: 021305164
Digital Banking
3.8/5
Online & Mobile Experience
Branch Network
60
Physical Locations
Key Features
- Local decision-making; trust expertise.
Bank Information
Routing Number
021305164
SWIFT Code
TRSTUS44
Branch Hours
Mon-Fri: 9am-5pm, Sat: 9am-12pm, Sun: Closed
Customer Service
1-800-724-7123
Mon–Fri 8am–5pm ET
Headquarters
Albany, NY, USA
Years in Business
123 years (Est. 1902)
Login Information
Online Banking Login
Access Online Banking
Password Requirements
8–20 chars
Two-Factor Authentication
SMS
Forgot Password
Reset PasswordSecurity Features
SSL; device fingerprint
Login Instructions
Enter credentials → complete 2FA
Login Help
Call customer service: 1-800-724-7123
Hours: Mon–Fri 8am–5pm ET
Products & Services
Accounts & Products
Checking
TrustCo Free Checking
Monthly Fee
$0
Minimum Balance
$0
Card Type
$Debit
Minimum Deposit
$25
Overdraft Fee
$32
ATM Fee
$2.5
Savings
TrustCo Savings
APY
$14.00%
Annual Earnings
$14.00
Compounds
$Monthly
Minimum Balance
$25
Monthly Fee
$0
Withdrawal Limit
$6/month
Credit Card
TrustCo Visa Rewards
Mortgage
30-Year Fixed
Interest Rate
$4%
APR
$4.125%
Term
$30 Years
Min Down Payment
$5%
Min Loan Amount
$50,000
Max Loan Amount
$600,000
Digital Banking Experience
Mobile App Rating
Good mobile experience
Online Banking
Good online experience
Customer Service
Very Good customer support
Digital Features
Ready to Start Banking with TrustCo Bank?
Visit their website to explore account options and start your application