With convenient branch locations in Saratoga and Albany counties and a variety of online and mobile services to choose from, we are here, where and when you need us. BSNB checking account options are tailored to meet your financial needs and goals and our Relationship Managers are well-equipped to help you choose the best checking account for you.


Personal Checking Solutions

Customize any business BSNB checking account with the following services:

  Premier Checking1 GoChecking Free Direct Checking Student Checking Basic Checking
  For those who maintain a higher balance For those who prefer to bank electronically For those with a monthly direct deposit

For eligible students 16-26

For those with a need for traditional checking
ATM Fee Rebate or Waiver 2 6 N/A 10 N/A
Online and Mobile Banking Eligible
Free Bill Pay3
Debit Card Eligible 7
eStatements Required Required
Direct Deposit Required
Unlimited Check Writing First 5 checks free8 First 5 checks free8
Interest Earned        
Additional Rewards        
Monthly Maintenance Fee $154 N/A $109 $511 $311
Minimum to Avoid Monthly Maintenance Fee $10,000+5 N/A N/A $30012 $50012
Minimum to Open $50 $50 $50 $50 $25
  Premier Checking1
  For those who maintain a higher balance
ATM Fee Rebate or Waiver 2
Online and Mobile Banking Eligible
Free Bill Pay3
Debit Card Eligible
eStatements
Direct Deposit
Unlimited Check Writing
Interest Earned
Additional Rewards
Monthly Maintenance Fee $154
Minimum to Avoid Monthly Maintenance Fee $10,000+5
Minimum to Open $50
  GoChecking
  For those who prefer to bank electronically
ATM Fee Rebate or Waiver 6
Online and Mobile Banking Eligible
Free Bill Pay3
Debit Card Eligible 7
eStatements Required
Direct Deposit Required
Unlimited Check Writing First 5 checks free8
Interest Earned  
Additional Rewards  
Monthly Maintenance Fee N/A
Minimum to Avoid Monthly Maintenance Fee N/A
Minimum to Open $50
  Free Direct Checking
  For those with a monthly direct deposit
ATM Fee Rebate or Waiver N/A
Online and Mobile Banking Eligible
Free Bill Pay3
Debit Card Eligible
eStatements
Direct Deposit
Unlimited Check Writing
Interest Earned  
Additional Rewards  
Monthly Maintenance Fee $109
Minimum to Avoid Monthly Maintenance Fee N/A
Minimum to Open $50
  Student Checking
 

For eligible students 16-26

ATM Fee Rebate or Waiver 10
Online and Mobile Banking Eligible
Free Bill Pay3
Debit Card Eligible
eStatements Required
Direct Deposit
Unlimited Check Writing First 5 checks free8
Interest Earned  
Additional Rewards  
Monthly Maintenance Fee $511
Minimum to Avoid Monthly Maintenance Fee $30012
Minimum to Open $50
  Basic Checking
  For those with a need for traditional checking
ATM Fee Rebate or Waiver N/A
Online and Mobile Banking Eligible
Free Bill Pay3
Debit Card Eligible
eStatements
Direct Deposit
Unlimited Check Writing
Interest Earned  
Additional Rewards  
Monthly Maintenance Fee $311
Minimum to Avoid Monthly Maintenance Fee $50012
Minimum to Open $25

1Qualifying balances for Premier Checking include: Personal Statement Savings, CD/IRA, Money Market or Passbook Savings, Checking Account, Holiday Club, Personal Consumer Loans [excluding Mobile Home and Instant Money Line], Mortgage, and Home Equity balances. Monthly maintenance fee of $15 per month charged to the Premier Checking account if combined balance falls below minimum. Loans subject to application and approval. 2 All BSNB foreign ATM fees are waived. The operator of a foreign ATM terminal may charge you a fee. 3There is no monthly service fee for Bill Pay. The first 20 transactions per statement cycle are free; each item thereafter is $.75. 4$15 per month if combined balances on eligible accounts is less than $10,000. 5If combined balances on eligible accounts is not $10,000+. 6Rebates of up to $20 per statement cycle are provided for non-BSNB foreign ATM fees. 7Requires a minimum of 5 point of sale transactions per month. 8First 5 checks paid per statement cycle are free; each check thereafter is $1.00. 9$10 if monthly direct deposit is discontinued. 10Rebates of up to $20 per statement cycle are provided for both non-BSNB foreign and BSNB foreign ATM fees. 11If average daily collected balance is not maintained. 12If average daily collected balance for the statement cycle is not met.

Why should you choose BSNB for your personal checking account?

  • Online and Mobile Banking provide convenience and secure access 24/7.
  • The Perks Program offers discounted pricing from participating merchants when you present your BSNB Debit Card. 
  • The Welcome Rewards package gives you cash incentives for entrusting BSNB with your new personal checking account.

Get Started

For more information on how to open a checking account, please call Customer Service at
(518) 885-6781, visit any BSNB location,
or send us a Secure Email.

APPLY ONLINE

View our current rates

What will I need to open an account? Review our convenient checklist.  

Already a customer?  Refer a friend or family member to BSNB and you could both earn a cash reward!

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