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 | |
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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 |
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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 |
|
GoChecking | |
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For those on the go who prefer to bank electronically | |
Access to Allpoint ATM Network | |
Additional ATM Fee Rebate or Waiver | Up to 4 non-Allpoint ATM foreign operator fees rebated each statement cycle |
Online and Mobile Banking Eligible | |
Free Bill Pay | |
Debit Card Eligible (with SecurLock Equip) | |
eStatements | Required |
Unlimited Check Writing | First 5 checks free8 |
Interest Earned | |
Additional Rewards | |
Monthly Maintenance Fee | $5 if monthly transaction requirements are not met |
Minimum to Avoid Monthly Maintenance Fee | N/A |
Minimum to Open | $50 |
Free Direct Checking | |
---|---|
For those with a monthly direct deposit | |
Access to Allpoint ATM Network | |
Additional ATM Fee Rebate or Waiver | |
Online and Mobile Banking Eligible | |
Free Bill Pay | |
Debit Card Eligible (with SecurLock Equip) | |
eStatements | Available |
Unlimited Check Writing | |
Interest Earned | |
Additional Rewards | |
Monthly Maintenance Fee | $10 if monthly direct deposit is discontinued |
Minimum to Avoid Monthly Maintenance Fee | |
Minimum to Open | $50 |
Student Checking | |
---|---|
For eligible students 16-26 |
|
Access to Allpoint ATM Network | |
Additional ATM Fee Rebate or Waiver | Up to 4 non-Allpoint ATM foreign operator and BSNB fees rebated/waived each statement cycle |
Online and Mobile Banking Eligible | |
Free Bill Pay | |
Debit Card Eligible (with SecurLock Equip) | |
eStatements | Required |
Unlimited Check Writing | First 5 checks free8 |
Interest Earned | |
Additional Rewards | |
Monthly Maintenance Fee | |
Minimum to Avoid Monthly Maintenance Fee | |
Minimum to Open | $50 |
Basic Checking | ||
---|---|---|
For those with a need for traditional checking | ||
Access to Allpoint ATM Network | ||
Additional ATM Fee Rebate or Waiver | ||
Online and Mobile Banking Eligible | ||
Free Bill Pay | ||
Debit Card Eligible (with SecurLock Equip) | ||
eStatements | Available | |
Unlimited Check Writing | ||
Interest Earned | ||
Additional Rewards | ||
Monthly Maintenance Fee | $3 if balance is not maintained | |
Minimum to Avoid Monthly Maintenance Fee |
|
|
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.
View our current rates.
What will I need to open an account? Review our convenient checklist.
Already a customer? Refer a friend or family member to BSNB and you could both earn a cash reward!
View our current rates.
Convenient Links:
Visit BSNB's Better U Financial Education Program to learn more.