Personal CheckingA pen held by a hand about to write something on a check

Banking That's Easy and Convenient

Saratoga National Bank offers a range of checking accounts to make banking easy, convenient and economical. Plus, with all of our accounts, you can rely on our 24/7 online tools and great local service. Visit any branch to open your account today.

The following additional features are available for ALL of the checking options listed on our table:

Our "Thoroughbred" Checking Accounts

Account Name Is It Right for You? Minimum Balance Interest Maintenance Fee Per-Check Charge ATM Usage Free Paper Statements Free Checks**
Free Checking Our go-to account – it’s free and paperless None No $0 $0 Standard* No First order
Student Checking Great for teens and young adults 13-23; Minors must have adult on account None No $0 $0 Standard* (Out-of-area students only: No fees from us at non-SNB ATMs and get reimbursed up to $10/month for other banks’ ATM fees) No Starter checks (4)
Classic Checking Must receive direct deposit of employer paycheck or gov’t benefits None No $0 $0 Standard* Yes First order
Interest Checking Interest-bearing account with low minimum balance $250 min to earn interest and avoid maintenance fee/per-check charge Yes $8/month if balance falls below min $0.30/check if balance falls below min Standard* Yes First order
Premium Interest Checking Premium account with tiered interest based on your balance $250 min to earn interest; $5,000 min to avoid maintenance fee/per-check charge Yes, tiered based on balance $15/month if balance falls below min $0.25/check if balance falls below min Standard* with no fees from us at non-SNB ATMs (Plus, get reimbursed up to $12/month for other banks’ ATM fees if you maintain a $25,000 daily min balance) Yes Unlimited (one order at a time)
Basic Checking Standard account with all the basics None No $3/month First 12 free, then $0.35/check Standard* Yes Starter checks (4)
Fresh Start Checking Gives customers with past credit problems a fresh start None No $7/month $0 Standard* Yes Starter checks (4)

*Includes free unlimited use of SNB ATMs (fees apply for non-SNB ATM use unless otherwise specified). **Check style based on account type.


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