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Personal Checking Solutions

Customize any personal BSNB checking account with the following services:

  Premier Checking1 GoChecking Free Direct Checking Senior Checking Basic Checking
  Checking that includes exclusive preferred rates and cost saving benefits for customers who maintain a higher balance relationship For those who are on the go, have a monthly direct deposit, and prefer to bank electronically Checking that rewards you for using direct deposit of a payroll or government check Checking ideally suited for customers age 62 or older Traditional checking with convenient services to manage your account
ATM Fee Rebate or Waiver BSNB's fee to use other bank ATMs is waived 2 Up to $20 of ATM fees rebated each statement cycle 3 N/A N/A N/A
Online and Mobile Banking Eligible
X
X
X
X
X
Free Bill Pay 4
X
X
X
X
 
Debit Card Eligible
X
Requires a minimum 5 point of sale transactions per month
X
X
X
eStatements
X
Required
X
X
X
Direct Deposit
X
Required
X
X
X
Unlimited Check Writing
X
First 5 checks free5
X
X
X
Interest Earned
X
       
Preferred interest rate on Premier CDs
X
       
Preferred interest rate on Premier Money Market
X
       
Investment Planning Consultation 6
X
       
Fee-free purchases of cashiers checks and small safe deposit box rentals 7
X
       
Monthly Maintenance Fee $15 per month if combined balances on eligible accounts is less than $10,000 N/A $10 if monthly direct deposit is discontinued N/A $3 per month if average daily collected balance is not maintained
Minimum to Avoid Monthly Maintenance Fee Combined balances on eligible accounts is $10,000+ N/A N/A N/A Average daily collected balance of $500 for the statement cycle
Minimum to Open $50 $50 $50 $50 $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 The operator of a foreign ATM terminal may charge you a fee. 3Rebates of up to $20 per statement cycle are provided for BSNB ATM surcharges and fees when using another bank’s domestic ATMs (Point of Sales fee for PIN transactions excluded)4 There is no monthly service fee for Bill Pay. The first 20 transactions per statement cycle are free, each item thereafter is $.75.5 First 5 checks paid per statement cycle are free, each check thereafter is $1.00. 6 Investments are not FDIC insured. 7 Small safe deposit box is subject to availability. Premier Checking Account required to receive plan benefits.

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For more information, please call Customer Service at (518) 885-6781.  To open an account, visit any BSNB location.

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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