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Adirondack Trust was founded in 1901 by New York State Senator Edgar T. Brackett with capital of $100,000 and surplus of $50,000. [5] The bank officially opened its doors on January 2, 1902, at the Westcott Building, a three-story brick building on Broadway in Saratoga Springs, the same location where the bank stands today.
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Telephone banking became commercially available in the 1980s, first introduced by Girobank in the United Kingdom, which established a dedicated telephone banking service in 1984. [1] Telephone banking saw growth during the 1980s and early 1990s and was heavily used by the first generation of direct banks .
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