Tailored Business Checking Accounts
BSNB offers business checking accounts for every stage of business – from startups and small businesses to nonprofits and high-volume commercial operations. Earn $100 when you open a new commercial checking account at BSNB!*
Business Checking Account Options
Business Checking
| Minimum to Open | $50 |
| Monthly Maintenance Fee | None |
| Transaction Fees | N/A |
| Earnings Credit | No |
| Earns Interest | No |
Business Premier Checking
| Minimum to Open | $50 |
| Monthly Maintenance Fee | $10/Month |
| Transaction Fee | Per Item Fees Apply1 |
| Earnings Credit | Yes2 |
| Earns Interest | N/A |
Community Checking
| Minimum to Open | $50 |
| Monthly Maintenance Fee | None |
| Transaction Fees | N/A |
| Earnings Credit | N/A |
| Earns Interest | Yes |
Business Debit mastercard®
Secure, Convenient Access to Your Business Funds
Your BSNB Business Debit Mastercard gives authorized owners and employees fast, secure access to business funds – whether you’re purchasing supplies, covering travel expenses, or paying vendors.
- Accepted worldwide wherever Mastercard is accepted.
- Real-time transaction monitoring with Business Online Banking.
- Contactless tap-to-pay.
- 24/7 support available for lost or stolen cards.
- Issue cards to authorized employees with spending controls.
Services and Tools That Simplify Business Banking
Digital Banking
Full account access, bill pay, and transfers through Business Online and Mobile Banking.
Cash Management
Manage receivables, disbursements, and liquidity with Treasury Management.
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.
Business Checking
Yes. BSNB’s Community Checking account is specifically designed for nonprofits and not-for-profit organizations. Learn more.
Yes. The BSNB Business Debit Mastercard can be issued to authorized employees, giving them convenient access to business funds for approved purchases. Your account also integrates with Business Online Banking so you can monitor transactions in real time.
Every BSNB business checking account can be enhanced with Cash Management and Treasury Management tools, Remote Deposit Capture, Business Online and Mobile Banking, and Merchant Services for payment processing. A BSNB Relationship Manager can help you build the right combination of services for your business.
You can open a BSNB business checking account by visiting any of our 21 branch locations in Saratoga, Albany, Greene, and Schoharie counties. A minimum deposit of $50 is required to open any business checking account. Visit our locations page to find the branch nearest you, or call 518-885-6781 to speak with a Customer Service Representative.
Business Savings
A BSNB Business Savings account gives your operating reserves, seasonal funds, and short-term capital a secure home, earning interest while keeping funds accessible.
- Competitive rates on business savings and money market accounts.
- FDIC-insured up to applicable limits.
- Easy transfers between your BSNB business checking and savings accounts.
- Full visibility through BSNB Business Online Banking.
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 customer service representative 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. Per item fees of $0.12 per check, $0.20 per deposit, and $0.12 per on-us, local and foreign deposited items
2. An earnings credit will be calculated and applied to the average daily ledger balance of the statement cycle. This earnings credit will be used to offset fees applied to the account.
