Ways to Bank Money Cohoes NY

Most banks offer everything from financial investments, to certificates of deposit (CDs) and home mortgages. Banks tend to have higher fees and pay lower rates on their savings. Most banks also have minimum balance requirements on their accounts.

Local Companies

Citizens Bank - Schenectady
518-370-7070
501 State Street
Schenectady, NY
TD Bank
518-438-2006
1256 Central Avenue
Albany, NY
Bank of America - Glenville
800.432.1000
200 Saratoga Road
Scotia, NY
Bank of America - Loudonville
800.432.1000
477 Albany Shaker Rd
Loudonville, NY
William Mack, ChFC, CLU, LTCP
1574 Union Street
Schenectady, NY
TD Bank
518-347-0526
2301 Nott Street, E
Niskayuna, NY
Citizens Bank - Clifton Park / Hannaford
518-373-0473
9 Clifton Country Road
Clifton Park, NY
Citizens Bank - Albany Downtown/Starbucks
518-447-0151
10 North Pearl Street
Albany, NY
Bank of America - Delaware Ave South
800.432.1000
360 Delaware Ave
Delmar, NY
Bruce Gaynor
6 Tower Place
Albany, NY
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This article is part of our 52 week journey through Bill’s latest book, “The Graduate’s Guide to Life and Money.” Each week, a full excerpt from his book will be presented from beginning to end. To get your copy of his book, visit www.TheGraduatesGuide.com.



This week we will discuss banks vs. credit unions.


Remember when you were just a kid and your piggy bank got full? Your parents told you it was time to open up a savings account. That way you could empty your piggy bank and start all over again. Years ago, banks gave out little booklets where they stamped your deposits and interest earned (called passbook savings accounts). In the years since, the banking industry has really matured. We now have more choices available to us than anyone could have imagined. Generally, you can do most of your “banking” at a bank, a savings & loans, or a credit union. A savings & loan is similar to a bank, but with fewer services. In general, I prefer credit unions. They tend to have lower fees, and they pay better rates on their savings accounts. Credit unions are also easier to deal with than banks.



Most banks offer everything from financial investments, to certificates of deposit (CDs) and home mortgages. Banks tend to have higher fees and pay lower rates on their savings. Most banks also have minimum balance requirements on their accounts. If your account drops below the minimum amount, you will be charged a fee. You may be

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