Call 518-452-2874 or 800-733-2848 when outside the 518 area code. Touch-tone, rotary/pulse, or rotary dial phones equipped with a touch-tone converter can be used to access the system.

When prompted, enter your account number followed by the pound (#) sign.

Enter your personal identification number (PIN), followed by the # sign. This is the confidential four-digit number selected at the time of application. If you wish to change your PIN, simply select "Other Services" from the main menu and follow the prompts.

Choose the transaction you want. DIAL will then give you additional instructions.
NOTE: Entries no longer need to be followed by the #sign unless specifically prompted.

Click here for share codes/suffixes.


DIAL transactions* are "real time" and can be verified immediately through the DIAL system by doing a balance inquiry.

Numeric digit required to indicate between loan and deposit share (ie S=7, L=5). Use "0" to indicate a point for a subshare (ie S14.1 = 71401).

*Some mortgage transactions may not be recorded immediately.