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Saratoga National Bank Earns Bank On Certification

SARATOGA SPRINGS, N.Y. (December 9, 2021) — Saratoga National Bank and Trust Company is pleased to announce it has earned national Bank On certification for its new checking product, Smart Steps. The bank is one of just 166 in the country to earn this distinction from the Cities for Financial Empowerment Fund (CFE) to serve the unbanked and underbanked.

The CFE works directly with national and regional financial institutions to encourage the widespread availability of safe, low-cost, transactional products within their community. The Bank On certification provides account standards and a review process that ensures everyone has access to an affordable bank account.

Smart Steps is a checking account designed to help individuals who don’t have easy access to affordable banking services and have a goal of achieving economic independence and security. The account will be available throughout the bank’s service area in early 2022.

“As the only locally headquartered financial institution to receive this certification, we are very excited to participate in this important program,” said Dave DeMarco, Chief Banking Officer for Arrow Financial Corporation and CEO of Saratoga National Bank.

For more information about the Bank On movement and program, visit

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