Ballston Spa National Bank first started operating in 1838 and is headquartered in Ballston Spa, New York. It has $499 million in assets as well as $406 million in deposits, ranking it as a medium-size bank. Ballston Spa National Bank lacks premium access to support representatives, with no options for live chat or all-day service. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. On the whole, Ballston Spa National Bank is a good bank that gets the job done, with a rating of 3.9 stars out of 5 from the SmartAsset experts. Ballston Spa National Bank provides customers with the complete selection of banking products, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate compared to the average savings account. The bank’s standard checking product features a $3.00 monthly fee, which is acceptable compared to the national average. Banks that offer no-fee checking, in addition to a high interest rate savings account are the best bet for returning the highest income on deposits while maintaining convenient access to money.