Personal Checking | Saratoga National Bank

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Personal Checking

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 or use the Apply Now button to open online.

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


Our Checking Accounts

Account Name Get Started* Is It Right for You? Details Interest ATM Usage Free Paper Statements
Free Checking This simple account is free and paperless
  • No minimum balance
  • $0 maintenance fee
  • Free first order of checks**
None Standard No
High-Interest Checking Earn 2% APY on balances under $25,000; ATM fees waived; Must have direct deposit
  • No minimum balance
  • $0 maintenance fee
  • Free first order of checks**
Yes Standard (Up to $15 in ATM surcharge rebates per month) No
Interest Checking Interest-bearing account with low minimum balance
  • $250 min balance to earn interest and avoid $8/month maintenance fee and $0.30/check charge
  • Free starter checks** (4)
Yes Standard Yes
Student Checking Great for teens and young adults 13-23; Minors must have adult on account
  • No minimum balance
  • $0 maintenance fee
  • Free starter checks** (4)
None 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
Smart Steps Take control of your finances with no overdraft fees§
  • No overdraft fees
  • No minimum balance
  • $4.95/month maintenance fee
None Standard No


*Must be age 18 or older to apply online. Use Google Chrome for best online experience.
**Check style based on account type.
†Includes free unlimited use of SNB ATMs (fees apply for non-SNB ATM use unless otherwise specified).
‡If all eligibility requirements are met in a statement cycle.
§Overdraft protection/Line of Credit Cash Reserve are not available on this account. We may decline or return transactions that would result in an overdraft. Checks that cause the account to become overdrawn will be returned unpaid. The payee may charge additional fees when the check is returned. Some transactions that you make may cause your account to become overdrawn that are beyond our control, but we will not assess an overdraft fee or a return item fee to your account. For example, preauthorized transactions may post to your account even when the balance in your account is not sufficient to pay the transaction.


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.