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COVID-19 Resource Center

Updated October 5, 2020

Your Bank, Your Partner

As the impact of COVID-19 is felt in our communities, please know that we are your partner. In these uncertain times, you can rest assured that we are here to support you, our valued customers, and the communities we are proud to serve every day. As part of the Arrow Family of Companies, that has been our mission for almost 170 years, through periods of planned growth and unexpected adversity.

Key Resources

Below please find links to key resources, no matter your question.

Our branch lobbies are now open and we look forward to seeing you in person again. We have implemented safety precautions and have outlined these below.

Please note that the following remains by appointment only.

  • Ballard Road

Safety Precautions at the Forefront

In order to safely take this important step for you, our customers, we are implementing the following protocols as we welcome you back:

  • Our lobbies will honor social distancing.
  • Face coverings are required. (We may ask you to briefly lower covering for identification purposes.)
  • Each branch will post maximum occupancy on the door. (Please wait outside or use drive-in if at capacity.)
  • Safe deposit access and notary services require an appointment. (Please call your branch for more information.)

Other safety measures include newly installed partitions and increased office cleaning. We thank you in advance for your cooperation with these measures.

Our drive-ins, ATMs and night drops remain available to you, and you can use our online services anytime.

Thank you again for your understanding as we put health at the forefront of our decisions.

Please visit the IRS website for your payment status and to verify the account information and address you have on file with the IRS. If you do not file taxes, you can still enter your payment information on that website.

 If receiving your payment by mail, please note:

  • For paper checks, you can deposit those in our ATMs or through our drive-in service.
  • For debit cards, carefully read and keep the instructions included with the debit card. Our bank ATMs charge a service free for using these cards. For charge-free use, you must use an ATM that carries the AllPoint brand.

We encourage you to check the IRS website for the latest updates or call the Customer Service number associated with your stimulus payment debit card.

If receiving your payment by direct deposit, keep an eye on your bank account and note:

  • Once your payment is deposited, you can access the full amount through your bank debit card for purchases or through ATM withdrawals, which are subject to the same regular transaction withdrawal limits.
  • You can also transfer money and pay bills online through Internet Banking and our mobile app. If you are new to online and mobile banking, you can begin enrollment today.

We are committed to working with you on a personal basis to ease any financial hardship.

To learn the ways we are here to help or to initiate a loan deferral request, please visit our Here to Help page or contact us via our website.

We are no longer accepting Paycheck Protection Program (PPP) loan applications, as the deadline from the Small Business Administration has past. For timely updates, visit our PPP Loans page.

To learn more about PPP loan forgiveness as an existing borrower, visit our PPP forgiveness page.

You have a number of ways to bank from the comfort of your home or without going into a branch. We encourage you to take advantage of these convenient options:

  • Personal Online or Mobile Banking: Check your accounts, schedule transfers and pay your bills 24/7. The service is free and secure. Download our personal banking app or go online to enroll. If you are already enrolled, rediscover these convenient features by logging in today.
  • Business Online Banking: Conduct transactions, transfer funds and set up recurring payments all while monitoring your business accounts. Learn more about getting started.
  • On Call Banking: If you don’t have access to a computer, simply dial our On Call Banking number. Once you enroll, you can check your balances, transfer funds and make loan payments all by phone. The service is available 24/7.
  • Pay Your Loan Online: Our Loan Payment Center is easy to use, and you can either enroll in the site or make a one-time payment. Use it to pay your Saratoga National car loan, mortgage, home equity loan or lines of credit, business loans or lines of credit and personal loans.
  • Drive-In Service and ATMs: Your local branch offers one or both of these convenient options. ATMs are always available, and you can find your nearest Drive-In options and hours on our Locations page
  • Call Us: Our Customer Care Center is here to help over the phone at (518) 583-3114

Unfortunately, events such as the global pandemic create opportunities for cyber criminals. More than 205,000 reports of coronavirus-related fraud have been reported from January through late September, according to the Federal Trade Commission. Here are some best practices to protect yourself:

  • Do not give out your personal information, including banking information or Social Security number to anyone you do not know
  • Watch for fake websites and go directly to trusted urls instead of using links from social media or other places
  • Watch for spoofed emails meant to look like official organizations such as the CDC or World Health Organization, but which actually contain malware
  • Use only trusted sources for information about the virus, such as legitimate government sites we have listed below in our FAQ section
  • Use caution with all links and attachments; hover over links before clicking to see where they go

October is Cyber Security Awareness Month and we are partnering with the American Bankers Association (ABA) to spread the word.

Learn more from the ABA and take a quiz to see if you have what it takes to outsmart online scammers.

We are closely monitoring the developments, and we continue to take a long-term view of your investment strategy and timeline. Learn more on our COVID-19 Investment Update page.

Here are answers to some common questions:

What precautions are you taking? 

With health and safety at the forefront, most of our branches are back open with regular hours. Please note that face coverings are required to do your banking in person. We are taking other precautions as well, including social distancing and increased cleaning of work stations and facilities. Thank you for your understanding.

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.

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.

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:

Customer Communications

Here's where you can find our other communications: