Ballston Spa National Bank (BSNB) provides commercial banking services to corporate, municipal, and individual customers in the United States. Ballston Spa National Bank is a subsidiary of Ballston Spa Bancorp, Inc. BSNB offers checking accounts, savings accounts, certificates of deposit, individual retirement accounts, money market investment accounts, business checking accounts, demand deposits, NOW accounts, and time deposits. The company also provides commercial and residential real estate, commercial, mortgage and home equity, and term loans, as well as consumer loans, such as auto loans, personal loans, home improvement loans, instant money lines, recreational vehicle loans, and cash secured loans; and lines of credit.