Personal Checking Accounts

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.

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Personal Checking Solutions

Customize any business BSNB checking account with the following services:

	Premier Checking1	GoChecking	Free Direct Checking	Student Checking	Basic Checking
	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
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

Premier Checking1   For those who maintain a higher balance 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 Interest is earned if the average daily collected balance for the statement period is $500 or more Additional Rewards Monthly Maintenance Fee $154 Minimum to Avoid Monthly Maintenance Fee $10,000+5 Minimum to Open $50

	GoChecking
	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	Average daily collected balance of $500 for the statement cycle
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

Visit BSNB's Better U Financial Education Program to learn more.