Saratoga National Bank Resource Center Security Protecting You

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How We Protect You

Saratoga National Bank is serious about safeguarding your personal information. Here are some of the steps we take to protect our customers:

Fraud Monitoring

To help minimize your exposure to fraud and the impact it may have on your account, we monitor your debit card and ATM transactions for unusual activity.

If we suspect fraudulent debit card or ATM use, fraud detection specialists will contact you on our behalf to validate the legitimacy of your transactions (this may be from a person or an automated-calling system). While your timely response to this call is critical in preventing potential risks and avoiding restrictions we may place on the use of your card, please feel free to contact your local branch to verify the legitimacy of this call.

If unusual activity is detected, our fraud detection specialists will:

  • Confirm you are the cardholder
  • Verify your card by referencing the last four digits of your debit card number
  • Verify the last four digits of your Social Security number
  • Review and confirm recent transactions

If you find that recent transactions are not authorized, your card will be deactivated and a new card issued.

If you are not at home when the call takes place, you will be provided with a case number for reference and asked to contact our fraud detection specialists. If you are uncertain about the legitimacy of the message, contact your local branch before calling back.

On top of our fraud monitoring, please be diligent in monitoring transaction activity on your accounts and contact us immediately if you identify any fraudulent transactions.  Be sure to let us know about upcoming trips to locations not in your normal travel pattern.

To learn more, contact any of our local offices or call us toll free at: (800) 246-2415.

Online Banking Security

Our Internet Banking uses Secure Socket Layer (SSL) technology to encrypt User IDs, passwords and account information. Any information provided to you is scrambled en route and decoded once it reaches your browser.

Submitting Forms Online

Information you provide via electronic forms on our website is secure and encrypted in most instances. In other words, it is scrambled en route and decoded once it reaches us. You may check that your web session is secure by looking for a small lock symbol, usually located by the address bar toward the top of your web browser window. Current versions of leading web browsers indicate when a web page is encrypted for transmission through this symbol. You may also look for the letters "https://" at the beginning of your website URL in your web browser. The “s” means the web connection is secure.

Sending Email to the Bank

Email sent to us through means other than our Internet Banking or Business Online Banking systems may not be secure unless we advise you security measures will be in place prior to your transmitting information. Therefore, we ask that you do not send confidential information such as Social Security or account numbers to us via an unsecured email.  Such communications should be sent to us via postal mail, you may call (518) 583-3114, or visit one of our banking locations.

Links to Third Parties Within Our Websites

From time to time, we may provide you with links to third-party websites we feel offer useful information. In such instances, we will provide the following notice:

“You are leaving Saratoga National Bank and Trust Company's website at By clicking the button below, you will be accessing a trusted partner’s website. Please review their security and privacy policy, as it may differ from Saratoga National Bank and Trust Company's policies.”

We are not responsible for the information practices employed by sites linked to from our website or those that link to our sire from their website. Third-party websites may have different privacy policies and/or security standards governing their sites.

Security Enforcement

Employee Code of Ethics: Our Employee Code of Ethics (“Code”) expresses our absolute commitment to integrity, our related corporate values and ethical standards, and the associated business conduct we expect from all our employees. The Code includes very specific guidelines concerning the safeguarding of confidential information, including customer information. In general, these guidelines limit employee access to confidential information, and limit the use and disclosure of such information to specifically authorized processes and transactions. If it is determined that employees have violated the Code, corrective action will be taken, including possible termination.

Verification of Practices: Periodically, our operations and business practices are reviewed for compliance with corporate policies and procedures governing the confidentiality of information. These reviews are conducted by our own internal staff, auditors who report directly to our Board of Directors, external accounting and auditing firms, and government regulators. Included in these self-assessments and examinations are reviews of the controls and safeguards related to consumer privacy, which are described in our Privacy Disclosure.

Consumer Recourse: If you believe we have not complied with our stated Privacy Disclosure concerning our usage of personally identifiable information that we may collect over the Internet, or that information we have provided to you based upon your Internet activity is inaccurate, please contact us.

Children Visiting Our Website: Our website is directed at customers and potential customers, most of whom are adults. However, children may access our website and provide information. For example, they may request information concerning our products and services and apply for certain products and services such as opening accounts. We are confident parents will not find any of our content objectionable for viewing by their children. Parents can avail themselves of various software packages to prevent their children from accessing websites they deem to be inappropriate. Parents can choose to utilize this and other website and content blocking methods to limit what their children are accessing online.


Return to the Security Center for additional resources.