Free Checking | Saratoga National Bank

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Checking that's free, really.

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Free Checking

Our Simple, Paperless Account

Why pay for checking when you can have a free account with paperless Online Statements? Plus, it comes with a ton of great features at no cost, including:

  • Internet Banking with Bill Pay and external transfers
  • Mobile App, including Mobile Check Deposit, for 24/7 account access
  • Online Statements (paper statements available for a fee) 
  • No minimum balance, maintenance fee or per-check charges
  • Free first order of checks
  • Visa® Debit Card
  • Free unlimited use of SNB ATMs

Get Started Today

Open this account online or visit one of our convenient locations.


Quick Guide to Applying Online

It takes just a few minutes to apply online. Use Google Chrome for best experience.

1) Have these items ready

  • Driver's license/state ID/passport (you'll need to take and upload a picture)
  • Taxpayer Identification Number/Social Security Number
  • Contact information for yourself and an account co-owner, if you are adding one

2) Fill out the application

  • Go step-by-step to complete the quick application
  • Create a password at the end of the application

3) Fund your new account

  • After you submit, we’ll follow up with how to make your opening deposit

Visit our Checking and Savings Account FAQs for answers to more of your questions.

Need to Log Back In?

Access the Application Portal anytime to finish a saved application or fund your account.