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COVID-19 Resource Center

Updated January 12, 2021

Your Bank, Your Partner

As COVID-19 impacts our communities, please know that we are your committed partner. In these uncertain times, our valued customers and the communities they live and work in come first. As part of the Arrow Family of Companies, serving our neighbors has been our mission for almost 170 years, through periods of planned growth and unexpected adversity.

Key Resources

Below please find links to key resources, no matter your question.

As a precaution for the health and safety of our team and customers, our branch lobbies will be open by appointment only beginning Monday, January 11.

As we temporarily pause walk-in service, please remember that our team is still here for you. You may call for an appointment; our drive-ins, ATMs and night drops will remain fully available; and you can access our digital services anytime, 24/7. Thank you for understanding.

Payments by direct deposit have started. Please check your account online for your balance. Keep in mind that paper checks or debit cards will likely take longer.

Individuals who made up $75,000 in 2019 should receive $600; married couples who made up to $150,000 should receive $1,200. Families will receive an additional $600 for each dependent under age 18 in the household.

Please visit the IRS website for your payment status and to verify the account information and address you have on file with the IRS. If you do not file taxes, you can still enter your payment information on that website.

If you receive an Economic Impact Payment Card (EIP Card), learn more here.

The recently signed $900 billion stimulus package includes another $284 billion for the Paycheck Protection Program (PPP). Please check back here for updates or visit our PPP Loans page.

To learn more about PPP loan forgiveness as an existing borrower, visit our PPP forgiveness page.

We are committed to working with you on a personal basis to ease any financial hardship.

To learn the ways we are here to help or to initiate a loan deferral request, please visit our Here to Help page or contact us via our website.

You have a number of ways to bank from the comfort of your home or without going into a branch. We encourage you to take advantage of these convenient options:

  • Personal Online or Mobile Banking: Check your accounts, schedule transfers and pay your bills 24/7. The service is free and secure. Download our personal banking app or go online to enroll. If you are already enrolled, rediscover these convenient features by logging in today.
  • Business Online Banking: Conduct transactions, transfer funds and set up recurring payments all while monitoring your business accounts. Learn more about getting started.
  • On Call Banking: If you don’t have access to a computer, simply dial our On Call Banking number. Once you enroll, you can check your balances, transfer funds and make loan payments all by phone. The service is available 24/7.
  • Pay Your Loan Online: Our Loan Payment Center is easy to use, and you can either enroll in the site or make a one-time payment. Use it to pay your Saratoga National car loan, mortgage, home equity loan or lines of credit, business loans or lines of credit and personal loans.
  • Drive-In Service and ATMs: Your local branch offers one or both of these convenient options. ATMs are always available, and you can find your nearest Drive-In options and hours on our Locations page
  • Call Us: Our Customer Care Center is here to help over the phone at (518) 583-3114

Unfortunately, events such as the global pandemic create opportunities for cyber criminals. More than 264,000 reports of coronavirus-related fraud have been reported from January through early December, according to the Federal Trade Commission. Here are some best practices to protect yourself:

  • Do not give out your personal information, including banking information or Social Security number to anyone you do not know
  • Watch for fake websites and go directly to trusted urls instead of using links from social media or other places
  • Watch for spoofed emails meant to look like official organizations such as the CDC or World Health Organization, but which actually contain malware
  • Use only trusted sources for information about the virus, such as legitimate government sites we have listed below in our FAQ section
  • Use caution with all links and attachments; hover over links before clicking to see where they go

We are closely monitoring the developments, and we continue to take a long-term view of your investment strategy and timeline. Learn more on our Investment Update page.

Here are answers to some common questions:

What precautions are you taking? 

With health and safety at the forefront, our branch lobbies will be open by appointment only beginning Monday, January 11. Our drive-ins, ATMs and digital services remain available as normal. This pause to walk-in service is temporary and we thank you for understanding.

My loan is due, but I can’t make the payment. What do I do?

Please stay safe and healthy, and reach out to our team to work through any specifics for your loan. Learn more about how we can help.

What should I do with my investments? 

We are closely monitoring the developments, and we continue to take a long-term view or your investment strategy and timeline. Learn more on our Investment Update page, and reach out to our investment team for personalized guidance.

Where do I call for help? 

We are here to serve you. Please call our main line at (518) 583-3114 for questions about your loan, our remote banking services or other banking questions. If you are concerned about being able to pay your loan, please call (518) 793-8816 or learn more here.

I’m applying for a home loan. What will change for me? 

We are adapting some logistics for the health and well-being of all involved. For mortgages and home equity loans, we are making every effort to perform exterior-only home inspections and limit interior inspections on a case-by-case basis. As we approach closing, we are limiting the number of individuals attending. When possible, we are encouraging people to pre-sign documents, or, in the case of home equity, mail notarized documents in advance of closing. For mortgage questions, please contact your mortgage originator. For home equity, please contact the bank branch managing your loan.


Is my money safe? 

Yes, your money is always safe and secure. Plus, Saratoga National Bank is a Member FDIC, which means our deposit products are backed by the full faith and credit of the United States government. The standard insurance amount is $250,000 per depositor, per insured bank for each ownership category. That means your deposit accounts are safe with us. Learn more about how our FDIC deposit insurance protects you.

Where can I learn more about COVID-19?

To learn more about COVID-19 and other precautions you can take, please visit these public health sites:

Customer Communications

Here's where you can find our other communications: