saratoga national bank

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.

Picture: Live your dream with the Saratoga National Bank
Picture: Live your dream with the Saratoga National 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.

Size501 to 1000 employees
IndustryBanking & Lending
Headquarters139 Broadway, Saratoga Springs, New York 12866
TypeCompany – Public
FDIC InsuredYes
FDIC Certificate# 27290
Date Established1988
Assets$857.15 million
Loans$608.28 million
Deposits$746.29 million
Capital$83.92 million
EstablishedJul 1, 1988
Became FDIC InsuredJul 1, 1988
Number of Branches11
US Bank Branches11
Foreign Offices0
Bank ClassCommercial Bank, National (Federal) charter and Fed member, supervised by the office of the Comptroller of the Currency (OCC)
Last Structure ChangeMarch 31, 2006
In more than one state?No
Bank Specialty/ FocusCommercial Lending Specialization
Bank Holding CompanyArrow Financial Corporation
SAIF InsuredNo
State CharteredNo
Equity Capital$57235
Net Income$3968
FDIC Region2
FDIC SupervisoryNew York
Federal Reserve District:New York
FDIC Field OfficeSyracuse

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.


  • Internet Banking
  • Business Online Banking
  • Pay My Loan
  • Retirement Online
  • Wealth Management
  • CConnect
  • Debit Card Alerts
  • Credit Cards
  • LPL Account View

Business Banking:


  • Business Checking
  • Business Savings
  • Payment Solutions
  • Municipal Banking

Cash Management:

  • Online Banking
  • Mobile App
  • Business Remote Deposit
  • Positive Pay


  • Business Lending
  • Credit Cards



  • Checking
  • Savings
  • CDs
  • On-call Banking

Online Tools:

  • Internet Banking
  • Mobile App
  • Online Statements
  • Zelle


  • Mortgages
  • Home Equity
  • Personal/Other Loans
  • Credit Cards


  • 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
Picture: Mobile banking is easy for everyone
Picture: Mobile banking is easy for everyone

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 NameIs it Right For You?Minimum BalanceInterestMaintenance FeePer Check ChargeATM UsageFree Paper StatementFree Checks
Free CheckingOur go-to account – it’s free and paperlessNoneNo$0$0StandardNoFirst Order
Student CheckingGreat for teens and young adults 13-23; Minors must have an adult on the account  NoneNo$0$0Standard* (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)  NoStarter Checks
Interest CheckingAn 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  StandardYesFirst Order
High-Interest CheckingEarn 2% APY on balances under $25,000; ATM fee reimbursement; Must have direct deposit  NoneNo$0$0Standard* (Up to $15 in ATM rebates per month)  NoFirst 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$0NoWithdraw 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 SavingsFor children and teens up to 18; Great way to teach the importance of saving  $50NoStandardUpon Request
Health Savings AccountUse this account to cover medical expenses; Good supplement to a high-deductible medical plan; Eligibility subject to IRS regulations  $100  $0Yes, for purchases and ATM use (free at SNB ATMs)  Unlimited; Account also comes with starter checks (4)  No

Comparison Chart:

Notable RatesAPYVs. Others
1 Year CD0.20%2.15%
2 Year CD0.3052.81%
5 Year CD0.60%3.05%
30 Year Mortgage3.66%2.81%
15 Year Mortgage3.19%2.36%
Picture: National Average vs. Saratoga National
Picture: National Average vs. Saratoga National

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 
Picture: Locate branches easily from the map
Picture: Locate branches easily from the map


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.

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