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Waterford Branch


142 Saratoga Ave.
Waterford, NY 12188
Phone: 518.238.0600
Get Directions on Google Maps

Lobby & Drive-up Hours
Monday - Wednesday: 9am - 4pm
Thursday - Friday: 9am - 5pm
Saturday: 9am - Noon
Sunday: Closed

ITM Hours
Monday - Friday: 8am - 7pm
Saturday: 8:30am - 1:30pm
Sunday: Closed

ATM | ITM | Drive-Up


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The Waterford Branch has been open since 2002, offering a solution to all your financial needs. This branch location was remodeled in 2018 to include a modern layout with an open floor plan and includes The Shops at Pioneer which features products from local businesses. All proceeds from The Shops go to the Pioneer Bank Foundation. Visit this location to open an account or conduct banking.

Caitlyn Fronckowiak - Branch Manager/Team Leader

Caitlyn Fronckowiak

Peter Odell - Vice President, Market Leader II

Peter Odell

View Pioneer's Holiday Closings


  • I-787 North: Take Rte. 787 North to the end. Take a right onto Rte. 32/Saratoga Avenue. Travel for approximately 5 miles. Pioneer Bank will be on the left hand side at the corner of Saratoga Avenue and Van Ness.

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