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Let's Talk checking solutions

Personal Checking

Banking That's Easy and Convenient

Saratoga National Bank offers a range of checking accounts to make banking easy, convenient and economical. Plus, with all of our accounts, you can rely on our 24/7 online tools and great local service. Visit any branch to open your account today.

The following additional features are available for ALL of the checking options listed on our table:


Our Checking Accounts

Account Name Is It Right for You? Minimum Balance Interest Maintenance Fee Per-Check Charge ATM Usage Free Paper Statements Free Checks**
Free Checking Our go-to account – it’s free and paperless None No $0 $0 Standard* No First order
Student Checking Great for teens and young adults 13-23; Minors must have adult on account None No $0 $0 Standard* (Out-of-area students only: No fees from us at non-SNB ATMs and get reimbursed up to $10/month for other banks’ ATM fees) No Starter checks (4)
Interest Checking Interest-bearing account with low minimum balance $250 min to earn interest and avoid maintenance fee/per-check charge Yes $8/month if balance falls below min $0.30/check if balance falls below min Standard* Yes First order
High-Interest Checking Earn 2% APY on balances under $25,000; ATM fee reimbursement; Must have direct deposit None Yes $0 $0 Standard* (Up to $15 in ATM rebates per month) No First order


*Includes free unlimited use of SNB ATMs (fees apply for non-SNB ATM use unless otherwise specified). **Check style based on account type.


For more information on Personal Checking, contact any of our locations  or call (518) 583-3114.