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 | Yes2 |
| 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.
- Report a lost or stolen card immediately – 24/7 support available.
- 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.
Frequently Asked Questions
Yes. BSNB’s Community Checking account is specifically designed for nonprofits and not-for-profit organizations. It has no monthly maintenance fee, no transaction fees, and earns interest on the account balance – ideal for organizations that want simple, low-cost banking with a local institution.
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 County and Albany County. A minimum deposit of $50 is required to open any business checking account. Visit bsnb.com/locations to find the branch nearest you, or call 518-885-6781 to speak with a Customer Service Representative.
BSNB rewards you with $100 when you open a new commercial checking account. To qualify for the $100 checking reward, you must open a new Business Checking or Business Premier Checking Account and maintain an average balance of at least $5,000 for 60 days after account opening. Bonus will be deposited within 30 days of meeting the requirements. Cash bonuses may be subject to 1099 tax reporting. This offer may not be combined with any other offer and does not apply to second or multiple checking accounts within the same business or for customers who have closed a business checking account within the last 180 days.
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.
