Savings Accounts Built Around Your Goals
Ballston Spa National Bank makes it easy to save smarter in the Capital Region of New York, offering personal savings accounts with competitive interest rates and local support.
Savings Account Options
Statement Savings
| Minimum to Open | $50 |
| Minimum to Avoid Maintenance Fee | No monthly maintenance fee with an average daily balance of $100 or more |
| Maintenance Fee | Monthly maintenance fee of $4 if average daily balance falls below $100 |
| Earns Interest1 | Earn interest with a daily balance of $0.01 or more |
| ATM Access | Yes |
| Online Banking Eligibility | Yes |
Smart Start Savings
| Minimum to Open | $10 |
| Minimum to Avoid Maintenance Fee | N/A |
| Maintenance Fee | N/A |
| Earns Interest1 | Earns interest with a daily balance of $0.01 or more |
| ATM Access | Yes |
| Online Banking Eligbility | Yes |
Holiday Club Savings
| Minimum to Open | $2 |
| Minimum to Avoid Maintenance Fee | N/A |
| Maintenance Fee | N/A |
| Earns Interest1 | Earns interest with a daily balance of $0.01 or more |
| ATM Access | Yes |
| Online Banking Eligibility | Yes |
digital banking tools
Your Savings, Always Within Reach
Managing your money shouldn’t require a trip to the branch. With BSNB’s digital banking tools, you can watch your savings grow, move money when you need to, and stay in control, from anywhere.
- Check your savings balance and transaction history in real time
- Set up automatic transfers from checking to savings
- Deposit checks from your mobile device with Mobile Deposit
- Receive alerts on your balance or when a transfer completes
We Are Here to Help.
Have a question about accounts, loans, digital banking, or the right next step?
Our team is ready to help you get where you need to go.
Frequently Asked Questions
BSNB savings accounts earn interest based on your balance during the statement period. Interest rates vary by account type are subject to change at any time. You can view current rates at bsnb.com or contact us at 518-885-6781 to learn more about which account is best for your situation.
Yes. Ballston Spa National Bank is FDIC-insured, meaning deposits are insured up to $250,000 per depositor, per ownership category, backed by the full faith and credit of the U.S. government. Your money is safe at BSNB.
Transfers between your BSNB accounts are easy and instant through online banking or the BSNB mobile app. You can set up one-time or recurring automatic transfers, a simple way to make saving a habit. Transfers can also be made at any BSNB branch or by calling our team.
Money Market Accounts at BSNB typically offer a higher interest rate in exchange for a higher minimum balance. Savings accounts are ideal for everyday saving and emergency funds. Money Market Accounts tend to suit customers with larger balances who want to earn more while keeping funds accessible. BSNB also offers CDs for savers who want a guaranteed rate over a fixed term.
Premier Checking
A straightforward checking account designed for how you bank today, Premier Checking gives easy access to your money with electronic banking and low or no monthly maintenance fee.
- Simple, everyday banking with no unnecessary complexity.
- Convenient digital access with online and mobile banking.
- Backed by local service and support when you need it.
- Free access to Allpoint nationwide ATM network.
Go Further With BSNB
Explore products and services that support you in every stage of life.
For additional information regarding these accounts, please see a Relationship Banker to obtain the appropriate account disclosures. Products and any related fees are subject to change at any time. Other restrictions and fees may apply.
1. Fees may reduce earnings.
