The Saratoga National Bank is full of opportunities for daily banking. It’s one of the best-growing community banks out there.
Inside the bank, people will find a solid culture for a better banking experience. All the branches of this bank expand to make people happy with their financial decisions. Now, everyone can get an ultimate solution to meet their financial needs in a short time.
For both business and personal needs, this bank offers a wide range of products including savings, loans, checking, debit cards, and many more. There is more detail, we can share with you about this responsible bank.
What Is Saratoga National Bank?
In the United States of America, thousands of community banks offer different financial services for the people of the community. It’s one kind of community bank attitude. In this part, another bank was added and the name is Saratoga National Bank.
In this bank, more than 500 employees are working to ensure a better banking experience. It’s a specialized bank for commercial lending as well.
On July 1, 1988, this community bank was established and its headquarters is in Saratoga Springs, New York.
Most of the contemporary financial service is available in this bank. Now they are operating their activity through 11 different branches.
What You Should Know About Saratoga National Bank?
A bank is always responsible to offer better service. But it’s not easy to determine which bank can give the best effort for the customer’s happiness.
For that, people need to know about its activity, structure, and other key information that is given below.
| Particular | Remarks |
| Website | www.saratoganational.com |
| Size | 501 to 1000 employees |
| Industry | Banking & Lending |
| Headquarters | 139 Broadway, Saratoga Springs, New York 12866 |
| Type | Company – Public |
| FDIC Insured | Yes |
| FDIC Certificate | # 27290 |
| Date Established | 1988 |
| Assets | $857.15 million |
| Loans | $608.28 million |
| Deposits | $746.29 million |
| Capital | $83.92 million |
| Established | Jul 1, 1988 |
| Became FDIC Insured | Jul 1, 1988 |
| Number of Branches | 11 |
| US Bank Branches | 11 |
| Foreign Offices | 0 |
| Bank Class | Commercial Bank, National (Federal) charter and Fed member, supervised by the office of the Comptroller of the Currency (OCC) |
| Last Structure Change | March 31, 2006 |
| In more than one state? | No |
| Bank Specialty/ Focus | Commercial Lending Specialization |
| Bank Holding Company | Arrow Financial Corporation |
| SAIF Insured | No |
| State Chartered | No |
| Assets | $577.698 |
| Deposits | $489568 |
| Equity Capital | $57235 |
| Net Income | $3968 |
| FDIC Region | 2 |
| FDIC Supervisory | New York |
| Federal Reserve District: | New York |
| FDIC Field Office | Syracuse |
| Regulator | OCC |
What Kind of Product You Can Expect To Get From This Bank?
The Saratoga National bank is here to meet your needs. This is the bank that can serve you in better ways. Yes, we are talking about all these ways that we can have from SNB.
It includes financial services and products. We’re interested to know what they are. Let’s find them all below.
Login:
- Internet Banking
- Business Online Banking
- Pay My Loan
- Retirement Online
- Wealth Management
- CConnect
- Debit Card Alerts
- Credit Cards
- LPL Account View
Business Banking:
Banking:
- Business Checking
- Business Savings
- Payment Solutions
- Municipal Banking
Cash Management:
- Online Banking
- Mobile App
- Business Remote Deposit
- Positive Pay
Borrowing:
- Business Lending
- Credit Cards
Personal:
Banking:
- Checking
- Savings
- CDs
- On-call Banking
Online Tools:
- Internet Banking
- Mobile App
- Online Statements
- Zelle
Borrowing:
- Mortgages
- Home Equity
- Personal/Other Loans
- Credit Cards
Wealth:
- Asset Management
- Investment Services
- Individual Retirement
- Plans
- Employer Retirement Plans
- Trusts and Estates
Insurance Solutions:
- Benefits of Building
- Auto Insurance
- General liability
- Employee Benefits
- Homeowners Insurance
- Business Property Coverage
What About The Rate?
This bank cares about you and your money. This is the reason, all the terms and rates for their popular product are highly suitable for everyone. We tried to mention all of them below. Have a glance at them.
Personal Checking:
| Account Name | Is it Right For You? | Minimum Balance | Interest | Maintenance Fee | Per Check Charge | ATM Usage | Free Paper Statement | Free Checks |
| Free Checking | Our go-to account – it’s free and paperless | None | No | $0 | $0 | Standard | No | First Order |
| Student Checking | Great for teens and young adults 13-23; Minors must have an adult on the account | None | No | $0 | $0 | 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 | Starter Checks |
| Interest Checking | An interest-bearing account with a low minimum balance | $250 min to earn interest and avoid maintenance fee/per-check charge | Yes | $8/month if balance falls below min | $0.30/check if balance falls below min | Standard | Yes | First Order |
| High-Interest Checking | Earn 2% APY on balances under $25,000; ATM fee reimbursement; Must have direct deposit | None | No | $0 | $0 | Standard* (Up to $15 in ATM rebates per month) | No | First Order |
Personal Savings:
| Account Name | Is This Right for You? | Min to Open/Earn Interest | Maintenance Fee | Debit Card | Withdrawals | Free Paper Statement |
| Easy Savings | Our go-to account – it’s easy and paperless | $100 | $8/quarter if balance falls below min ($100) | Upon request; Includes free SNB ATM use | Standard* | No |
| Goal Savings | Save for a vacation, holiday gifts, first house, or any personal goal with this special-purpose account; Automatic deposits required | $0 | $0 | No | Withdraw funds when you reach long- or short-term goals, or have us auto-transfer your balance into an SNB account once per year during the month of your choice | No |
| Premium Money Market Savings | Good choice for higher balances; Pays tiered interest | $1,000 | $10/month if balance falls below min ($1,000) | Upon request; Includes free SNB ATM use | Standard* | Yes |
| Youth Savings | For children and teens up to 18; Great way to teach the importance of saving | $5 | 0 | No | Standard | Upon Request |
| Health Savings Account | Use this account to cover medical expenses; Good supplement to a high-deductible medical plan; Eligibility subject to IRS regulations | $100 | $0 | Yes, for purchases and ATM use (free at SNB ATMs) | Unlimited; Account also comes with starter checks (4) | No |
Comparison Chart:
| Notable Rates | APY | Vs. Others |
| Savings | 0.15% | 1.25% |
| 1 Year CD | 0.20% | 2.15% |
| 2 Year CD | 0.305 | 2.81% |
| 5 Year CD | 0.60% | 3.05% |
| 30 Year Mortgage | 3.66% | 2.81% |
| 15 Year Mortgage | 3.19% | 2.36% |
| HELOC | 5.25% | 2.79% |
Where You Can Find Their Branches?
To get the location of all the branches of SNB, read below.
- 501 New Karner Road, Albany, NY 12205
- 386 Clifton Park Center Road, Clifton Park, NY 12065
- 139 Broadway, Saratoga Springs, NY 12866
- 91 West Avenue, Saratoga Springs, NY 12866
- 3 Carpenter Lane, Saratoga Springs, NY 12866
- 4208 Route 50, Saratoga Springs, NY 12866
- 227 Ballard Road, Wilton, NY 12831
- 238 Main Street, Corinth, NY 12822
Conclusion:
The Saratoga National Bank is always with you to take care of every financial issue. You just need to make sure you’ve explained the right thing to them.
To make your daily banking much better they will give you every possible option. That’s how your daily banking like making transactions, and reviewing activities are going to be smoother than anything.
This is a customer-focused bank and is performing well in this sector. They not only do business but also give you the best feedback as well.
To become the most benefited person in the community through daily banking, this is the place.
