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A US flag hanging in front of town hall buildingMunicipal Banking

Saratoga National Bank and Trust Company delivers quality service with competitive rates to municipalities, school districts and other government-related entities. Our long-standing commitment to the community and dedicated customer support provide the foundation for strong relationships with our municipal customers. 

No matter your banking needs, we can help. Below is a comprehensive list of products and services.

Checking and Savings

We offer interest- and non-interest bearing checking accounts with deposit convenience and complete check-writing privileges, as well as savings accounts and competitive rate certificates of deposits. Choose from the following options:

  • Non-Interest Checking
  • Interest Checking
  • Regular Savings (variable interest rate)
  • Money Market Savings
  • Certificates of Deposit (terms ranging from seven days to one year)
  • Health Savings Accounts
  • Collateralization of Deposits

Cash Management Solutions

These smart banking tools are available to help you track expenses and grow profits. Click on any of the links for more information:

Financing

Saratoga National offers competitive interest rates for municipal borrowing requests, including:

  • Bond anticipation notes
  • Tax anticipation notes
  • Revenue anticipation notes
  • Serial bonds

We will accept a local legal opinion on all such borrowings and we require a copy of current financials for municipal customers.

Other Services

We're here to meet all of your banking needs.Click on the links below for more details:


For more information on these services, contact our Municipal Banking Department at (518) 415-4214.