# Arrow Bank > Since 1851, Arrow Bank has helped neighbors achieve financial goals with personal and business accounts, loans and digital solutions. At Arrow Bank, formerly named Glens Falls National Bank and Trust Company and Saratoga National Bank and Trust Company, we are committed to serving our communities and strengthening financial lives. We know banking. And we know your community. We’re not just bankers; we’re neighbors. There’s an advantage to banking local. Here’s how we’re different, and it’s not just our 170-plus years of perspective: - Commitment: Forward-looking and technology-minded, we’re driven to provide you with the best experience. - Collaboration: As a full-service bank, we combine banking with the largest locally based wealth management team and our partners at Upstate Agency, LLC for insurance, part of the Arrow family of companies. - Care: We’re customer-minded and responsive. Plus, you have direct access to our local team and leadership, all located in the “518.” - Community: It’s hard to top our commitment to our communities. We support hundreds of organizations that make this region a great place to live and work, through dollars, hours and partnerships. ## Products - [Personal Checking](https://www.arrowbank.com/personal/checking): Arrow Bank offers a range of checking accounts to make banking easy, convenient and economical. Plus, with all of our accounts, you can rely on our 24/7 online tools and great local service. The following additional features are available for all of our checking options: Internet Banking and Bill Pay, Mobile Banking App, Online Statements, Purchase Rewards, On Call Banking, Visa® Debit Card, Unlimited Use of Arrow Bank ATMs, and Just $5 to Open Any Account. - [Personal Savings](https://www.arrowbank.com/personal/savings): We offer a variety of savings products to help you make the most of your money. - [Personal Certificates of Deposit (CD)](https://www.arrowbank.com/personal/cds): A CD is a type of savings account where you set aside money for a fixed amount of time and earn guaranteed interest. - [Personal On Call Banking](https://example.com/product-3): Quick and easy to use, our On Call 24-hour phone banking service is accessible day or night! It’s available for your checking, savings, time deposit or loan accounts. - [Personal Internet Banking and Bill Pay](https://www.arrowbank.com/personal/internet-banking): Check your accounts, schedule transfers and pay bills online 24/7 with Internet Banking. It’s free, easy and secure. - [Personal Mobile App](https://www.arrowbank.com/personal/mobile-app): Bank anywhere, anytime with our personal Mobile Banking App! Use it on the go to deposit checks, pay bills, transfer money and check your account activity. - [Personal Banking Online Statements](https://www.arrowbank.com/personal/online-statements): Online Statements are free, secure and available to you 24/7! Reduce clutter and ensure that your statement will not get lost or fall into the wrong hands. - [Personal Banking - Zelle](https://www.arrowbank.com/personal/zelle): Zelle® is a fast, safe and easy way to send money in minutes* to your friends and family, right from the Arrow Bank mobile app or internet banking. - [Personal Mortgages](https://www.arrowbank.com/personal/mortgages): Our mortgage professionals can help you open the door to a new home or provide you with reliable advice on refinancing your existing home. - [Personal Home Equity Loans](https://www.arrowbank.com/personal/home-equity): Whether your goal is a dream kitchen, a home addition or financing other purchases and expenses, Arrow Bank can help! We offer a variety of convenient and budget-friendly Home Equity options to make your life easier. - [Personal Loans](https://www.arrowbank.com/personal/other-loans): Looking to finance a home improvement project, automobile or recreational vehicle? We offer variable and fixed interest rates with one- to six-year repayment terms designed to fit your budget. Terms beyond six years may be negotiated for certain requests. - [Personal Credit Cards](https://www.arrowbank.com/personal/credit-cards): The benefits and features of our credit cards are designed to meet your financial needs today and tomorrow. - [Business Checking ](https://www.arrowbank.com/business/checking): Our business checking solutions provide deposit convenience and complete check-writing privileges. In addition, all of our account options offer the following: Online Banking, Business Remote Deposit, Payment Solutions, Payroll Direct Deposit for Employees, Night Deposit, ACH and Wire Transfer, and Debit Cards. - [Business Savings](https://www.arrowbank.com/business/savings): Choose Arrow Bank for your savings needs, and we’ll make banking easy for your business. You can count on us for prompt and friendly customer service, plus competitive rates. - [Business Payment Solutions](https://www.arrowbank.com/business/payment-solutions): We’ve teamed up with Heartland, to offer you innovative payment and point of sale solutions to help you run your business better. Heartland can help you streamline operations, increase productivity and make payments easy so customers can’t resist buying from you. - [Municipal Banking](https://www.arrowbank.com/business/municipal-banking): Arrow Bank delivers quality service with competitive rates to municipalities, school districts and other government-related entities. Our long-standing commitment to the community and dedicated customer support provide the foundation for strong relationships with our municipal customers. - [Business Online Banking](https://www.arrowbank.com/business/online-banking): Our Business Online Banking platform offers you a full array of commercial cash management services to help streamline your operations and save you time. Business Online Banking is free* and secure, using data encryption with the ability to customize access for each user in your company. With Business Online Banking, you and your team can conduct transactions, set up customized alerts and run reports on your activity. - [Business Mobile Banking App](https://www.arrowbank.com/business/mobile-app): Manage your business finances from anywhere with our Business Mobile Banking App. You and your team can pay bills, transfer money and monitor your accounts at your convenience. Other features include: View 90 days of account history, Approve ACH and wire transfers, Make decisions on Positive Pay items, Approve internal transfers, Use Bill Pay and add payees, if enabled. - [Business Remote Deposit](https://www.arrowbank.com/business/remote-deposit-capture): With Business Remote Deposit, you can deposit checks electronically from your desktop! - [Business Positive Pay](https://www.arrowbank.com/business/positive-pay): We offer ACH Positive Pay and Check Positive Pay to help safeguard your accounts against unauthorized or inaccurate ACH debits and protect your accounts and business from fake, altered or incorrect checks. - [Business Lending](https://www.arrowbank.com/business/lending): No matter the size of your business, we can help with your lending needs. We offer creative financing and prompt responses to loan requests, plus quality customer service and competitive rates. - [Business Credit Cards](https://www.arrowbank.com/business/credit-cards): The benefits and features of our credit cards are designed to meet your business needs today and tomorrow. Separate your business and personal expenses while you enjoy free 24/7 online access for managing your account. Your authorized company representative can view transaction activity and history, pay your bill, set up your alerts and more. You also receive free management reports to help you track expenses, monitor your spending, spot tax deductions, prepare your tax filings and forecast expenses more easily along with cash flow management with the flexibility to cover the cost of supplies, equipment, travel and more. - [Asset Management](https://www.arrowbank.com/wealth/asset-management): We manage each customer’s assets as if they were our own. Whether you need assistance managing endowment funds, inheritances, retirement plans or other assets, you can rely on our experienced investment professionals. With assets under management of approximately $2 billion, our personal approach and powerful tools are delivered by our local team of more than 30 that will be here for you now and in the years to come. - [Investment Services](https://www.arrowbank.com/wealth/investment-services): Arrow Investment Services offers access to a full range of investments through our alliance with LPL Financial, a registered broker-dealer. - [Individual Retirement Plans](https://www.arrowbank.com/wealth/individual-retirement-plans): It doesn’t matter where you are on your financial journey, we’ll work with you to use the best strategies to realize your retirement dreams. - [Employer Retirement Plans](https://www.arrowbank.com/wealth/employer-retirement-plans): Help find and retain top talent by offering meaningful retirement plans. Explore the plan types we offer with optimal account access and potential tax benefits for you. - [Insurance Solutions](https://www.arrowbank.com/insurance): Whether you’re looking for personal insurance, business coverage or benefits for your employees, our experienced staff can help you find the right insurance solutions to protect what matters most. ## Blog Content - [Investment Update](https://www.arrowbank.com/wealth/investment-update): Our investment team remains committed to sharing updates and market insights to keep you informed. ## Company - [About us](https://www.arrowbank.com/about): Company background, mission, and team information - [Contact](https://www.arrowbank.com/contact-us): How to reach our team and get in touch - [Personal Banking Solutions](https://www.arrowbank.com/personal): Overview of personal banking products, including features and benefits. - [Business Banking Solutions](https://www.arrowbank.com/business): Overview of business banking products, including features and benefits. - [Wealth Management Solutions](https://www.arrowbank.com/wealth): Overview of wealth management services - [Insurance Solutions](https://www.arrowbank.com/insurance): Overview of insurance services - [Fraud Center](https://www.arrowbank.com/about/fraud-center): Our Fraud Center provides important tips to reduce your risk of fraud, respond to suspicious activity and other resources to keep you informed about fraud trends.