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An account that grows with them.

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Student Checking

An Account That Grows With Them

Why use a piggy bank when you can have a real account? Student Checking is designed for teens and young adults. It comes with many great features to make banking easy and accessible on the go, including:

  • Visa® Debit Card
  • Free Mobile App and Internet Banking access 24/7
  • No monthly maintenance fee
  • Free unlimited use of Saratoga National Bank ATMs
  • ATM reimbursements for out-of-area students (up to $10/month)
  • Free Debit Card Alerts
  • Free Online Statements (required to avoid service fee)
  • Free starter checks

Easy ATM Access

All Student Checking accounts come with free, unlimited access to our ATMs.

Going away to school? We'll make it easy for students to access their cash without a branch nearby: As an out-of-area student, we won't charge a fee to use another bank's ATM and we'll reimburse you up to $10 per monthly statement cycle toward other banks' ATM fees! Just ask your Branch Manager if you're eligible for this great feature.

Open Yours Today

Student Checking is open to teens and young adults ages 13 to 23. Minors must have an adult accompany them on the account. Visit your local branch to open an account – all you need is a $5 deposit.


Tips for Parents

It's never too early to introduce a child to the concepts of earning, spending, saving and investing. Our "Teach Them as They Grow" booklet offers parents tips for helping children learn to manage their money for different age groups.



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