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.