Here are answers to some common questions:
Is my money safe?
Yes, your money is safe and secure as always. Plus, Saratoga National Bank is a Member FDIC, which means our deposit products are backed by the full faith and credit of the United States government. The standard insurance amount is $250,000 per depositor, per insured bank for each ownership category. That means your deposit accounts are safe with us. Learn more about how our FDIC deposit insurance protects you.
What precautions are you taking?
For the health and well-being of all, access to our branch and office lobbies is temporarily limited to appointment only, based on our discretion and the latest guidance of public health officials. You can still bank using our drive-ins, night drops, ATMs, digital services and Customer Care Center. We are taking other precautions including social distancing and increased cleaning of work stations and facilities. Thank you for your understanding as we put health at the forefront of our decisions.
Why are you open when most other businesses have been instructed to close?
As your community banking partner, our first duty is to provide you access to your money so your household, business, and the economy at large can keep running as normally as possible. Banks and financial services are an essential service, as declared by Governor Andrew Cuomo. We believe our role in the community is never more important than it is at challenging times like these. So, we will continue to be here for all of our customers as we navigate this situation together.
My loan is due, but I can’t make the payment. What do I do?
Please stay safe and healthy, and reach out to our team to work through any specifics for your loan. Learn more about how we can help.
What should I do with my investments?
We are closely monitoring the developments, and we continue to take a long-term view or your investment strategy and timeline. Learn more on our COVID-19 Investment Update page, and reach out to our investment team for personalized guidance.
Where do I call for help?
We are here to serve you. Please call our main line at (518) 583-3114 for questions about your loan, our remote banking services or other banking questions. If you are concerned about being able to pay your loan, please call (518) 793-8816 or learn more here.
I’m applying for a home loan. What will change for me?
We are adapting some logistics for the health and well-being of all involved. For mortgages and home equity loans, we are making every effort to perform exterior-only home inspections and limit interior inspections on a case-by-case basis. As we approach closing, we are limiting the number of individuals attending. When possible, we are encouraging people to pre-sign documents, or, in the case of home equity, mail notarized documents in advance of closing. For mortgage questions, please contact your mortgage originator. For home equity, please contact the bank branch managing your loan.
Where can I learn more about COVID-19?
To learn more about COVID-19 and other precautions you can take, please visit these public health sites: