Investment Services

How much you have tomorrow will depend on what you do today. BSNB Financial Services** can help you put your financial plan in focus with our wide range of investment choices…


Fixed Annuities

  • Safety of principal
  • Good rate of return
  • Tax-deferred growth
  • Unlimited contributions
  • Multiple withdrawal options*
  • Stream of income

Variable Annuities

  • Potential for long-term growth
  • Wide range of investment choices
  • Tax advantages of a fixed annuity
  • Protection for your beneficiaries
  • Lifetime benefits

529 Plans

  • Good vehicle for savings, prepaid tuition plans
  • Significant tax advantages
  • State-based benefits for investors who invest by their state of residence.
  • Multiple investment options

Mutual Funds

  • Opportunities for diversifying your portfolio
  • Greater potential for growth
  • Invest with experienced money managers

Life Insurance

Term Plans

  • Provides coverage for a fixed period of time
  • Most affordable coverage initially
  • No cash value accumulated

Whole Life Plans

  • Premiums are higher initially but never go up
  • Accumulate cash value which grows tax deferred
  • May be able to borrow against your cash value for personal use


* Withdrawals from annuities before age 59 1/2 may be subject to a 10% penalty by the IRS. Variable annuities and mutual funds are sold by prospectus, which contain important information about fees and expenses. You may obtain a prospectus for a variable annuity or mutual fund from your investment representative. Always read the prospectus before you invest.

** Securities are offered through Essex National Securities, LLC (ENSI), member FINRA•SIPC. Insurance products are offered through Essex National Insurance Agency, Inc. Neither are affiliated with Ballston Spa National Bank.


Not Guaranteed by the Bank Not FDIC Insured Not a Deposit
Not Insured By Any Federal Government Agency May Lose Value including Loss of Principal

Enroll/Login - Online Banking

Tell us how we're doing. Take our survey>

BSNB HSA Enroll or Login

At BSNB Financial Services, you will find a selection of products available through the most respected industry leaders.  For more information, please contact:

Stephan Scribner, CFP®
Financial Consultant
BSNB Financial Services
(518) 363-8196


Mailing Address:
Ballston Spa National Bank
PO Box 70
Ballston Spa, NY 12020

Ballston Spa Office
87 Front Street
Ballston Spa, NY 12020
(518) 363-8150
Burnt Hills Office
770 Saratoga Road
Burnt Hills, NY 12027
(518) 399-8144

Clifton Park Office
256 Ushers Road
Clifton Park, NY 12065
(518) 877-6667

Corporate Branch Office
990 State Route 67
Ballston Spa, NY 12020
(518) 363-8199

Galway Office
5091 Sacandaga Road
Galway, NY 12074
(518) 882-1225
Greenfield Center Office
3060 Route 9N
Greenfield Center, NY 12833
(518) 893-2265
Malta Office
124 Dunning Street
Ballston Spa, NY 12020
(518) 899-2912

Milton Crest Office
344 Rowland Street
Ballston Spa, NY 12020
(518) 885-4346

Stillwater Office
428 Hudson Avenue
Mechanicville, NY 12118
(518) 664-3200
Wilton Office
625 Maple Avenue
Saratoga Springs, NY 12866
(518) 583-6608