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 on the go 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
Access to Allpoint ATM Network2
Additional ATM Fee Rebate or Waiver BSNB’s fee to use a non-Allpoint ATM is waived3 Up to 4 non-Allpoint ATM foreign operator fees rebated each statement cycle4   Up to 4 non-Allpoint ATM foreign operator and BSNB fees rebated/waived each statement cycle5
Online and Mobile Banking Eligible
Free Bill Pay6
Debit Card Eligible
(with SecurLOCK Equip)7
eStatements Available Required8 Available Required8 Available
Unlimited Check Writing First 5 checks free9 First 5 checks free9
Interest Earned Interest is earned if the average daily collected balance for the statement period is $500 or more        
Additional Rewards        
Monthly Maintenance Fee $15 if combined balances on eligible accounts is not maintained $5 if monthly transaction requirements are not met10 $10 if monthly direct deposit is discontinued   $3 if balance is not maintained
Minimum to Avoid Monthly Maintenance Fee Combined balances on eligible accounts is $10,000 or more       Average daily collected balance of $500 for the statement cycle
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 Savings, CD/IRA, Money Market, Checking, Consumer Loans, Mortgage, Home Equity balances (excludes Mobile Home Loans and Instant Money Line). 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. 2Foreign operator and BSNB ATM fees are waived if using an Allpoint ATM terminal. 3The operator of the non-Allpoint ATM may charge a fee. 4If 10 electronic monthly transactions are met, up to 4 non-Allpoint foreign operator fees will be rebated each statement cycle. These transactions must be posted during the statement cycle and can be a combination of the following: Direct Deposits, Point of Sale Transactions, Mobile Check Deposits, Electronic Transfers via Online Banking or Mobile Banking, or ACH Transactions (Debit or Credit). 5Up to 4 non-Allpoint ATM foreign operator fees will be rebated each statement cycle; up to 4 non-Allpoint ATM BSNB fees will be waived each statement cycle. 6There is no monthly service fee for Bill Pay. The first 20 transactions per statement cycle are free, each item thereafter is $0.75. 7SecurLOCK Equip is a mobile app that allows you to control how, when and where your debit card is used. Apple or Android smartphone required. 8Paper statements are available for $3 a month. 9First 5 checks paid per statement cycle are free, each check thereafter is $1.00. 10If 10 electronic monthly transactions are met, the $5 monthly maintenance fee will be waived. These transactions must be posted during the statement cycle and can be a combination of the following: Direct Deposits, Point of Sale Transactions, Mobile Check Deposits, Electronic Transfers via Online Banking or Mobile Banking, or ACH Transactions (Debit or Credit).

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.  

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