Trustco Bank
Trustco Bank
Trustco Bank is a regional community bank serving customers across New York, Florida, Massachusetts, New Jersey, and Vermont. The institution traces its history to 1902 and has built its business around consumer banking, residential mortgages, home-equity lending, business banking, commercial lending, deposit products, digital banking, and wealth-management services. Trustco emphasizes a community-oriented “Home Town Bank” model that combines local branches with online and mobile banking.
Trustco Bank operates as the principal banking subsidiary of TrustCo Bank Corp NY, a publicly traded bank holding company. As of December 31, 2025, the company reported 134 banking offices across its five-state footprint and 819 employees, equivalent to approximately 743 full-time positions. TrustCo’s shares trade on the Nasdaq Global Select Market under ticker TRST.
The company’s current executive offices are located in Glenville, New York. Trustco continues to expand and relocate selected branches while maintaining a large traditional branch network supported by more than 55,000 surcharge-free ATMs through participating networks. Current leadership remains headed by Robert J. McCormick, Chairman, President and CEO.
518-377-3311
This is the main corporate and general inquiry number associated with Trustco Bank and TrustCo Bank Corp NY.
1-800-670-3110
Monday to Friday: 8:00 AM to 8:00 PM
Saturday: 8:00 AM to 5:00 PM.
TrustCo Bank Corp NY
5 Sarnowski Drive
Glenville, NY 12302
United States
Trustco Bank / TrustCo Bank Corp NY
5 Sarnowski Drive
Glenville, NY 12302
United States
Trustco Bank does not prominently publish one general unsecured Customer Service email for account questions.
For corporate governance inquiries:
mhall@trustcobank.com
This address is published for General Counsel and Corporate Secretary Michael Hall.
Banking, Consumer Finance, Mortgage Lending, Commercial Banking and Wealth Management
1902
819 employees as of December 31, 2025, representing approximately 743 full-time equivalents.
134 banking offices as of December 31, 2025 across New York, New Jersey, Vermont, Massachusetts, and Florida.
Trustco does not publish public walk-in hours for the Glenville executive office.
General Customer Service operates Monday through Friday from 8:00 AM to 8:00 PM and Saturday from 8:00 AM to 5:00 PM.
Investor Relations
https://www.trustcobank.com/investor-relations/
https://www.trustcobank.com/employment-opportunities/
Trustco actively recruits for branch and corporate positions and promotes internal career mobility.
Trustco offers personal checking products designed for everyday deposits, bill payments, debit-card purchases, and account access. Current products include free and interest-bearing checking options, with access to the bank’s ATM network and online banking tools.
Customers can use Trustco savings products to hold cash while earning interest and maintaining access to funds. The bank continues to support traditional savings options, including products intended for customers who prefer conventional passbook-style banking.
Trustco offers certificates of deposit with fixed terms and published interest rates. CDs are designed for customers who can leave funds deposited for a specific period in exchange for a predetermined return.
Money market products provide another deposit option for customers who want interest-bearing balances with greater liquidity than a traditional certificate of deposit.
Trustco provides residential mortgage financing for home purchases and refinancing. The bank operates as a portfolio lender and states that it generally retains its residential mortgages rather than selling or trading them after origination.
Trustco’s Home Town First Time Home Buyers Program provides financing for qualifying first-time buyers. Current published program features include up to 95% loan-to-value financing, reduced application and closing fees, and qualifying loan amounts ranging from $15,000 to $1 million.
Trustco offers home-equity credit lines for eligible homeowners who want to borrow against available equity.
Its Fast Track program currently advertises qualifying lines up to $50,000 with a targeted seven-business-day closing process when all requirements are met.
Home-equity loans provide fixed borrowing against the value of a customer’s property.These products can be used for home improvements, major expenses, debt consolidation, or other approved purposes subject to underwriting.
Trustco provides installment and other consumer lending products.The company also lists auto and student lending among the lending services accessible through its consumer banking platform.
Business customers can access commercial mortgage, construction, and other business financing.
Trustco works with businesses requiring property financing, operational credit, or other commercial banking services.
Trustco offers business deposit accounts, including free business checking options.
Business customers can also use branch services, debit cards, cash management, and other banking tools depending on account type.
Trustco provides financial services for small businesses, including deposit accounts, loans, and selected SBA-related lending products.
The bank’s branch-based model allows business owners to work directly with local representatives.
Trustco Online Banking allows customers to review balances, transfer funds, inspect check images, manage statements, and perform other account functions remotely.
The Trustco mobile banking platform provides smartphone access to account information and supported banking functions.
It is intended to complement the bank’s branch network and online banking system.
Trustco issues debit cards linked to eligible checking accounts.
Customers can use their debit cards for purchases and ATM withdrawals and can report lost or stolen cards through a dedicated 24-hour number.
Trustco offers consumer and business credit-card products through partner services.
Separate 24-hour support numbers are published for lost or stolen consumer and business cards.
Trustco customers can access participating ATMs through the bank’s own network and broader partner networks.The company states that customers can access more than 55,000 ATMs worldwide through its network relationships.
Trustco Wealth Management provides trust administration, investment-related services, retirement planning, estate-planning support, advisory services, and other wealth solutions.The company also conducts financial seminars addressing trusts, investments, taxes, retirement, and estate administration.
Retirement-related services can include investment guidance, trust services, planning resources, and financial products designed for customers preparing for or living in retirement.
Trustco Wealth Management provides fiduciary and trust-administration services.These services can involve management of trust assets, accounting responsibilities, reporting, tax coordination, and assistance to trustees and beneficiaries.
Trustco provides access to selected insurance-related services and financial-planning specialists.Insurance products are generally separate from FDIC-insured bank deposits and may be provided through affiliated or partner channels.
518-377-3311
518-377-3311
518-377-3311
518-377-3311
1-800-670-3110
Hours are Monday through Friday from 8:00 AM to 8:00 PM and Saturday from 8:00 AM to 5:00 PM.
1-800-670-3110
1-800-670-3110
1-800-670-3110
Online Banking assistance uses the regular Customer Service line during published support hours.
1-800-670-4110
Available 24 hours a day.
1-800-558-3424
Available 24 hours.
1-866-552-8855
Available 24 hours.
1-800-992-3808
Customers must know their current PIN to use the automated PIN-change service.
1-800-670-3110
Trustco instructs customers who believe they are victims of fraud, phishing, or scams to contact Customer Support promptly.
518-381-3644
This number is published with Trustco Wealth Management Headquarters events in Albany.
Trustco does not publish one universal sales number.
Customers should contact Customer Service or the nearest branch.
Trustco does not publish a separate universal billing department number.
Account fees, loan payments, or charge questions should begin with Customer Service or the applicable branch.
No single universal regional office number is published.
Each Trustco branch has its own local number.
Branch Locator
https://www.trustcobank.com/find-atms-branches/
Trustco does not publish one dedicated international Customer Service line.
Lost or stolen debit cards
1-800-670-4110, 24 hours
Lost or stolen credit cards also have 24-hour support through the numbers listed above.
Trustco does not prominently list a dedicated standalone Investor Relations phone on its consumer contact page.
Corporate routing
518-377-3311
No permanent dedicated media number is prominently published on the main contact page.
Trustco does not publish one universal applicant HR number.
https://www.trustcobank.com/employment-opportunities/
Not applicable.
Trustco Bank is a financial institution.
The best general route is to call 1-800-670-3110 during Customer Service hours. This line handles routine account questions, online banking help, card-related questions, fraud reporting, product inquiries, and general routing. Customers should have their identifying account information available but should never provide passwords, complete PINs, or one-time security codes in response to an unsolicited call or message.
For issues linked to a specific mortgage, deposit account, business account, or branch transaction, contacting the local branch can be more efficient. Trustco specifically states that branch managers can provide additional information about bank products and services. Customers dealing with wealth-management matters should use the applicable wealth office rather than general retail banking support.
If the issue concerns a lost or stolen card, use the dedicated 24-hour card number rather than waiting for regular Customer Service hours. Fraud and scam concerns should also be reported promptly to 1-800-670-3110, because early reporting may help reduce losses and preserve any rights available under applicable account or electronic-transfer rules.
TrustCo Bank Corp NY
5 Sarnowski Drive
Glenville, NY 12302
United States
TrustCo’s 2025 Form 10-K identifies this property as the company’s executive-office facility.
Trustco Bank
5 Sarnowski Drive
Glenville, NY 12302
United States
The bank and holding company use the Glenville location for principal executive functions.
Current SEC filing metadata also uses
6 Metro Park Road
Albany, NY 12205
This is used in current company filing and administrative records, while the Form 10-K identifies 5 Sarnowski Drive, Glenville as the principal executive office.
Trustco Bank Wealth Management
6 Metro Park Road
Albany, NY 12205
United States
Customers may need to complain about account fees, deposits, withdrawals, mortgages, loan servicing, online banking, unauthorized transactions, branch service, fraud handling, credit cards, debit cards, or another banking matter. Before escalating, gather the account number or loan reference, transaction dates, statements, receipts, screenshots, branch location, representative names, and previous case details.
Begin with Trustco Customer Service at 1-800-670-3110. Explain the issue clearly, provide the relevant dates and account details, and ask the representative to document the complaint. If the concern involves a specific transaction, identify the amount, posting date, merchant or recipient, and any related reference number. Keep notes showing the date of the call, the representative’s name, and any promised follow-up.
Use the department most closely connected to the problem. Mortgage issues should be directed to the lending or mortgage team, wealth-management matters to Wealth Management, and lost-card incidents to the dedicated 24-hour card lines. Fraud or scam issues should be reported immediately through Customer Service rather than waiting for routine correspondence.
If the first representative cannot resolve the matter, ask for a supervisor, branch manager, lending manager, or another appropriate senior representative. Provide a short chronology of the complaint and explain what the first contact did or did not resolve. Keep copies of statements, letters, screenshots, receipts, and account notices that support your position.
Submit the complaint in writing if telephone or branch conversations do not resolve it. A written complaint should include the account type, relevant dates, transaction amounts, branch involved, prior case details, and the specific remedy requested. Do not send original financial records, Social Security cards, debit cards, or other sensitive originals.
For a serious unresolved complaint, write to TrustCo Bank Corp NY, 5 Sarnowski Drive, Glenville, NY 12302. Clearly label the correspondence as a customer complaint and identify any prior representatives or branch managers involved. Keeping a complete written record can be important if the matter later requires regulatory or legal escalation.
Unauthorized debit-card transactions, lost cards, scams, loan disputes, and credit-card matters may have specific dispute requirements and deadlines. Use the dedicated card or fraud lines where applicable and ask what written forms or supporting evidence are required. If a dispute involves a loan or mortgage, request the applicable servicing or error-resolution procedure.
Trustco Bank is an FDIC-insured banking institution. Depending on the specific complaint and regulatory structure, unresolved banking matters may be escalated to the appropriate federal or state banking regulator, including the FDIC or the relevant state banking authority. For complaints involving federally regulated consumer-finance laws, the Consumer Financial Protection Bureau may also be an appropriate route.
For unresolved fraud, electronic-payment, credit-card, mortgage, or consumer-finance disputes, customers can consider submitting documentation to the Consumer Financial Protection Bureau or the appropriate state consumer-protection office. Card-payment disputes may also involve the issuing card network or card servicer depending on the product involved. Maintain a full timeline of every attempt to resolve the matter directly with Trustco.
If administrative escalation does not resolve a significant financial dispute, review the governing deposit agreement, loan documents, mortgage contract, credit-card terms, or other applicable account agreement for formal dispute procedures. Depending on the contract and claim, mediation, arbitration, small-claims court, or another legal remedy may be available. For substantial losses or complex legal issues, consider consulting a qualified attorney before proceeding.
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