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Financial Services Designed to Meet Your Needs

Personal Banking - Checking

Saratoga National Bank offers a variety of checking products created with you in mind. We would be happy to provide you with additional information on any of our services and help you find the best checking account to serve your needs. Please call any of our offices or 583-3114. You can also contact us through our website at or stop by to see our friendly staff in person.


Pony Express: A convenient no minimum balance checking account with no per check fee and no monthly maintenance fees. Low minimum deposit required to open. Account necessitates customer to receive qualified government or payroll direct deposit.

Go Green: Convenient environmentally friendly no minimum balance checking account. No minimum deposit to open and no direct deposit required. Monthly statements are provided through access to Internet Banking.

Mobile Banking: Bank anywhere, anytime with our new Mobile Banking App for iPhone, iPad, Android devices, and Kindle Fire. Deposit checks, pay bills, transfer money and check your accounts on the go. It's easy, it's secure, and it's FREE! Visit the app store on your device to download it today.

Debit Card Alerts: Protect your account with automatic text messages or email alerts for suspicious debit card activity, transactions above a specified amount, out-of-state or card-not-present transactions, and more. Plus, quickly check your balance. Enroll today at

Thoroughbred / Champion Money Market Accounts: These higher rate money market checking accounts are tiered, variable interest bearing accounts. There are minimum deposit requirements to open and maintain to avoid monthly maintenance fees and earn interest.

Thoroughbred and Winners Circle Checking: A variable rate of interest checking account that requires a minimum amount to open and maintain to avoid service charges.

Mortgage / Newcomer: An interest bearing account with a low minimum balance required. There are no per check fees or monthly maintenance fees during the lifetime of the mortgage.

Golden: No minimum balance requirement and no per check fee or monthly maintenance fee for qualifying customers.

Budget Account: There is no minimum balance to maintain and a small minimum deposit required to open. A modest per check fee is assessed.

Basic Banking: Save time and money while receiving a complete paper record. No minimum balance, nominal monthly maintenance fee and non-interest checking account. Perfect for the customer that only need to write a few checks each month.