Interest Checking | Saratoga National Bank

Hero Pane Image

Woman on swing with outstretched arms

Earn with your everyday account.

APPLY ONLINE for Interest Checking

Interest Checking

You need a convenient checking account for your everyday finances, but you’re looking for more. With Interest Checking, you have access to our suite of online tools, plus you earn interest if you maintain at least a $250 balance:

With this account you get:

  • Free paper statements, first order of checks and use of Saratoga National Bank ATMs*
  • 24/7 access to your account through our Internet Banking and Personal Mobile App
  • No monthly fees and charges if you maintain a $250 minimum balance**
  • Support from our knowledgeable team

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.


*Check style based on account type. Includes free unlimited use of SNB ATMs (fees apply for non-SNB ATM use unless otherwise specified). **$8 per month maintenance fee and $0.30 per check charge if minimum balance falls below $250.