Enjoy money-saving discounts and personal protection benefits with Ultra Smart Checking^1,2

Ultra Smart Checking^1,2

• Online and Mobile Banking
• Mobile Wallet
• eStatements
• Mobile Check Deposit
• FREE⁵ Zero Liability⁶ Debit Mastercard^®
• Surcharge-Free⁵ ATMs
• Bill Pay
• Zelle^®
• Debit Card Controls
• Two-Way Text Alerts
• Free Gift*
• Only $8 a month - to avoid the fee, maintain $2,500 minimum daily balance for every day of the statement cycle period

We’re located right in your community

Gardiner
2201 Route 44-55
845-255-4262
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Hyde Park
4240 Albany Post Road
845-229-3080
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Kingston
280 Wall Street
845-338-6060
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Kingston
180 Schwenk Drive
845-338-6322
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Lake Katrine
1571 Ulster Avenue
845-336-4835
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New Paltz
226 Main Street
845-255-5470
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Newburgh
1208 Route 300
845-567-3171
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Phoenicia
58 Main Street
845-688-5965
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Poughkeepsie
39 Burnett Boulevard
845-454-7144
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Poughkeepsie
2680 South Road
845-473-3500
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Red Hook
7296 South Broadway
845-758-4020
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Saugerties
One Twin Maples Plaza
845-246-0124
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Stone Ridge
3857 Main Street
845-687-7656
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Wappingers Falls
1387 Route 9
845-297-5985
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Woodstock
68 Mill Hill Road
845-679-8434
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¹Minimum deposit of $25. Customer purchases checks. Monthly maintenance fee is $8.00. The monthly maintenance fee will be waived if $2,500 minimum daily balance is maintained for every day of the statement cycle period. ²Other fees such as insufficient funds, overdraft privilege fee, continuous overdraft fee, etc. may apply. See fee schedule for details. *Value of free gift may be reportable as interest on 1099-MISC form. Free gift provided at the time of account opening. **Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals. ³Subject to the terms and conditions detailed in the Guide to Benefits. ⁴Insurance products are NOT A DEPOSIT, NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK. MAY LOSE VALUE. ⁵No surcharge fees at Ulster Savings and Allpoint ATMs applies to Ulster Savings cardholders only. Fees may apply at other ATM locations. ⁶Certain restrictions, terms, and conditions apply. Contact 1-800-Mastercard for more details. 

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

• Shopping and dining from local stores and restaurants**
• Nationwide travel, hotel, recreation, and entertainment savings
• Savings on prescriptions, vision, and hearing aids
• Cell phone protection - up to $800^3,4
• Roadside assistance - 24/7, up to $80
• $10,000 travel accidental death insurance^3,4
• $2,500 personal identity theft benefit^3,4 and identity restoration
• Payment card fraud resolution
• Buyer’s protection and extended warranty³

Use the BaZing app to save money on the things you're already paying for.