Additional Services

Services to simplify your life.

Making your banking and money management easy and convenient is what Adams Community Bank is all about! Find out more about our services below. If you have any questions, call us today at 413-743-0001.

Debit/ATM Cards

Debit Cards† are accepted everywhere MasterCard is accepted.* They are linked directly to a checking account and when a purchase is made the transaction is automatically deducted from your account. Debit Cards are more convenient than writing a check and alleviate the possibility of accumulating major debts that may occur with the use of a credit card. It can also be used to withdraw cash from automatic teller machines (ATMs).***

  • No monthly or annual fee
  • Accepted at over 37 million MasterCard™ merchants worldwide
  • 24-Hour access to available funds reduces the need for checks and cash
  • All transactions deducted directly from your Adams Community Bank checking account
  • Also serves as an ATM card. Make cash withdrawals, transfer funds, and make balance inquiries at all Adams Community Bank ATM terminals
  • Make cash withdrawals, transfer funds, and make balance inquiries at any NYCE® or CIRRUS® terminal locations worldwide (ATM surcharges may apply)
  • Make deposits to your Adams Community Bank account at NYCE® ATMs that participate in the Shared Deposit Program
  • Access your money at thousands of SUM® ATMs across the country without a surcharge from a Non-Adams Community Bank (ACB) ATM. (ACB ATM surcharges may apply)
  • All transactions recorded on a monthly statement

Lost Debit Card? Contact us:


*NOTE: Due to the need for increased security measures, Adams Community Bank has blocked or restricted the use of ATM/Debit cards in all foreign countries. Please inquire with a customer service representative for the complete list, which may change from time to time, prior to visiting any foreign country. If you are planning on traveling to a foreign country that is restricted, we may be able to exclude your debit card from the restriction if you contact us, at 413-743-0001. We are sorry for any inconvenience this may cause. We take your account security very seriously and encourage you to contact us prior to traveling.

† Some restrictions may apply

**Debit Card POS transaction cut-off time is 6:00 P.M.

***ATM transaction cut-off time is 6:00 P.M.

Online Banking/BillPay

It has become so easy to manage your finances online and it is perfect for those who want 24/7 access to their funds. Pay your bills from the comfort of your home computer, tablet or phone. Avoid late fees and no stamps needed! Click here to learn more.

Digital Wallet

A quick, secure, and convenient way to pay with your mobile device while enjoying the benefits of your ACB Debit Card. At its most basic level, a Digital Wallet is an online payment tool in the form of an app.

Benefits of a Digital Wallet

Leave your wallet at home and make life easier by storing payment information
on your smart device, allowing fast and contactless digital payments on the go.

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  • Convenient: No need to dig into a wallet or purse for your ACB Debit Card. Even if you leave your wallet at home, you can make digital payments using your smart device. No need to enter your card details or carry a physical card to make payments.
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  • Secure: Your card number is never stored on the smart device, and your card information is never shared with merchants. When you add your ACB Debit Card into a Digital Wallet, a digital account number is assigned to your card that is used to process payments and protect your personal information.
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  • Contactless: Complete payments at various merchants by holding your smart device near a checkout terminal that displays the contactless pay symbol.

Setting up Your Digital Wallet

  • Step 1: Make sure a Digital Wallet app is installed on your smart device. Most smart devices have a standard Digital Wallet app already installed.
  • Step 2: Add your ACB Debit Card to your Digital Wallet app.
  • Step 3: Set your ACB Debit Card as your default payment card.

Paying with Your Digital Wallet

Hold your smart device near a compatible checkout register in-store, or select a digital wallet as your payment option on compatible websites.

When checking out in-store, pay with your Digital Wallet by opening your phone and authenticating your identity in your Digital Wallet app, and then holding your smart device close to a near field communication (NFC) – enabled terminal. Look for your preferred wallets logo symbols or the contactless pay symbol at checkout.

Make sure to choose your ACB Debit Card as your payment card if you did not do step 3.


Message and data rates may apply.

Digital Wallet features, benefits, and functionality may vary. For specific information regarding your mobile wallet, please visit the device’s products page.

Google, Google Pay, and the Google Logo are trademarks of Google LLC.

Apple Pay is a registered trademark of Apple Inc.

Samsung Pay is a registered trademark of Samsung Electronics Co. Ltd.

Mobile Banking App

Bank wherever you are with ACB Mobile on your Apple or Android mobile device! Available to all ACB online banking customers. Visit the Apple or Android App store and search “Adams Community Bank” to download the ACB app today!

ACB Mobile allows you to check balances, pay bills, make deposits & transfers, manage your debit card, and find ACB branches and ATMs.

Available features include:

  • Accounts – Check your latest ACB account balances and search 12 months of transactions
  • Make Deposits by taking a picture of the front and back of your check and follow the prompts to complete the deposit to your checking or savings account
  • Transfers – Easily transfer funds between your accounts
  • Bill Pay – Pay bills right from your phone
  • Debit Card – Deactivate or reactivate your debit card to help prevent fraud
  • Locations – Find nearby ACB branches and ATMs by searching by zip code or address
Mobile Check Deposit

ACB Online Banking users can deposit a check directly into an ACB checking or savings account by using our Mobile Banking App.

ACB Mobile is free to download and is available on Apple or Android devices. Visit the Apple or Android App store and search “Adams Community Bank” to download.

Certain Restrictions apply including:

  • Limit of 5 checks totaling no more than $5,000 per business day with a rolling 25 day limit of 25 checks totaling no more than $25,000.
  • Mobile Deposits made after 3pm are processed on the next business day
  • All checks must be endorsed with “For Mobile Deposit Only with Adams Community Bank” on back of the check to avoid delays in processing

Questions? Please call our Customer Connect at 413.743.0001 or email*

*Important Note: Please be aware email communication is not secure. Please do not include confidential information (social security number, account number, etc.) in any part of the email message.

Telephone Banking

Use your telephone 24/7 to transfer funds, make loan payments and obtain account information.

  • Bank by Phone at 888-338-7272
  • Toll free 24-hour access to funds using a touch tone phone
  • No annual, monthly or per-transaction fees
  • Make loan payments
  • Obtain account information including:
    • Current balance
    • Last five deposits
    • Last five withdrawals
    • Checks cleared
    • Debit MasterCard and ATM Card transactions
    • Transfer funds between designated accounts

An eStatement is the electronic version of your normal paper bank statement that you access through your Online Banking account.

With eStatements, you can:

  • Review your statements and cancelled checks online anytime
  • Access your statement days before a paper statement would arrive in the mail
  • Reduce the risk of your statement being lost or stolen
  • Go paperless! Be clutter-free! Help save a tree!
Direct Deposit

Have immediate access to your hard-earned paycheck! With direct deposit, you won’t have to wait to deposit or cash a paycheck or worse, wait for the funds to clear. Your money will be available for use as soon as it is electronically deposited into your account.

Going from a paper check to an electronic direct deposit is quick, easy and we can help!

Make the switch today.

Safe Deposit Box – A Safe Place to Keep Valuables

Adams Community Bank offers safe deposit boxes in our Adams Park Street, Lee, Lenox, North Adams and Williamstown locations. We offer a variety of sizes ranging from 2×5 for $35.00 to 10×10 for $125.00, to store your most important documents and valuables.

For more information contact us at 413-743-0001, or visit one of our participating locations and talk to a customer service representative.

Important Notice:

  • Adams Community Bank does not provide insurance coverage for the contents of your Safe Deposit Box, nor are the contents insured by any Federal or State Insurance Program.
  • For your protection, you may wish to secure your own insurance through an insurance company of your choice.
  • You should keep a complete list and description of all property stored in your Safe Deposit Box.
Wire Transfers – Wire Funds When You Need It

Adams Community Bank will process both domestic and foreign wire transactions for established customers as long as all required information regarding the beneficiary is obtained.

Wire transfer requests should be made in person and you can visit any one of our convenient locations to request a wire transfer.

Night Deposit Service – Deposit Funds Any Hour of the Day or Night

A Night Depository Service Agreement is required to use this service. The bank issues numbered night depository bags to local businesses primarily for the purpose of transacting business after hours.

After-hour deposits can be made using the Night Deposit Boxes available at all branch office locations.

Please note deposits will not be credited to your account until the next business day. Please contact us at 413-743-0001 if you have any questions, or visit one of our convenient locations and talk with a customer service representative.