Secure Savings for Every Business
Ballston Spa National Bank offers business savings options that keep your reserves accessible including business savings accounts, money market accounts, and CDs.
Business Savings Account Options
Statement Savings
| Minimum to Open | $50 |
| Minimum to Avoid a Maintenance Fee | Average Daily Balance of $100 or More |
| Maintenance Fee | $4 Per Month If Average Daily Balance Falls Below $100 |
| Earns Interest | Earns Interest With an Daily Balance of $0.01 or More |
| Check Access | No |
Business savings account
Keep More of What You Earn
Ballston Spa National Bank offers business savings accounts that help Capital Region businesses earn interest on idle cash, build reserves, and stay financially prepared – with local support from a team that cares about your financial future.
- Low minimum to open.
- Earn interest on your balance.
- Link to your BSNB business checking for easy transfers.
- FDIC-insured up to applicable limits.
- Digital banking tools let you bank anywhere, anytime.
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 Savings
A business savings account is a straightforward, accessible account that earns interest – ideal for everyday reserves. A business money market account offers tiered interest rates that increase with higher balances, making it a stronger choice for businesses that maintain larger reserves and want a better return.
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.
Yes. Your BSNB Business Savings or Money Market account can be linked to your BSNB Business Checking account for easy transfers through Business Online Banking. This makes it straightforward to move funds between accounts as your cash flow needs change.
You can open a BSNB business savings account by visiting any of our 21 branch locations in the Greater Capital Region. Call 518-885-6781 or visit our locations page to find the branch nearest your business.
Business Checking
Keep your cash flow moving, with the flexibility to match how your business actually runs, not how a big bank thinks it should.
- Multiple account options for businesses of every size.
- Digital Banking access – manage accounts, pay vendors, and review transactions anytime.
- Debit card access for owners and authorized employees.
- Easy account setup with dedicated support.
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