Trusts and Estates

Planning for your family’s future well-being often means making long-range financial decisions now. Whether you are looking for a trustee, successor trustee, or executor, we are committed to guiding you and working closely with your other advisors on an appropriate solution.

Trust administration services

  • Provide investment management for your family after death or incapacity
  • Help support an elderly relative through services like bill paying
  • Keep detailed records and provide a statement of account for trust assets

Estate settlement services

  • Arrange for probate while collecting, inventorying, valuing and protecting your assets
  • Prepare and file income and estate-tax returns while settling estate expenses and receivables
  • Follow the directions of your will and expeditiously distribute estate assets to heirs

We are experienced trust and estate administrators that will help manage your financial legacy sensitively and professionally from one generation to the next.


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

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For more information, please contact:

Tammy Zaiko, CFP
Sr. Vice President and Trust Officer
(518) 363-8656

John Chandler, Esq., CTFA
Vice President and Senior Trust Officer
(518) 363-8659

Thomas White
Vice President and Senior Trust Officer
(518) 363-8669

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
Latham Office
1207 Troy Schenectady Road
Latham, NY 12110
(518) 640-2800
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