Saratoga National Bank High-Interest Checking

Hero Pane Image

High-Interest Checking

You use a checking account for your everyday finances. But what if your go-to account could be more rewarding?

With our High-Interest Checking account, you earn 2% APY* on balances under $25,000, and the rewards don’t end there.

Other benefits include:

  • Up to $15 in ATM rebates per month*
  • No minimum balance and no monthly fee
  • 24/7 access to your account through our website and app
  • Support from our knowledgeable team

We want to be your bank, not just your bank account. Simply open a High-Interest Checking account, sign up for Internet Banking and Online Statements, set up a direct deposit and use your debit card 10 times a month.* Let’s start rewarding you 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

Check out our Checking and Savings Account FAQs for answers to more questions you may have.

Need to log back in?

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




*Offer valid only on new accounts and new money not currently on deposit with Saratoga National Bank or any subsidiary of Arrow Financial Corporation. High-Interest Checking is a variable rate account and the Annual Percentage Yield (APY) may change at the Bank’s discretion. To earn the APY stated above and receive the rebate of ATM surcharges up to $15 per statement cycle, eligibility requirements must be met. For daily balances under $25,000, the APY paid on the entire balance will be 2.00%. For the portion of the daily balance that is $25,000 or greater the APY will range from 2.00% to 0.05% depending on the balance in the account. ELIGIBILITY REQUIREMENTS: Individuals must have a recurring ACH direct deposit; be enrolled in Online Statements through Internet or Mobile Banking and use their debt card ten (10) times in a statement cycle to qualify for this account. Debit card usage does not include ATM transactions. Debit card transactions that are in a pending status at time of statement cycle cutoff will not count toward eligibility requirements. Direct Deposit is recurring income electronically deposited into your checking account and may include salary, pension, Social Security and Supplemental Security Income (SSI) benefits and other regular monthly income. A statement cycle is the period of time between account statements. If eligibility requirements are not met in a statement cycle, the entire balance will earn an APY of .05% and ATM surcharges will not be rebated. The minimum deposit to open High-Interest Checking is $5. If Online Statement enrollment is not met, there is a $3 monthly fee for paper statements. Fees may reduce earnings. Annual Percentage Yields (APYs) are accurate as of 07/18/22.