Buying, building, or refinancing in the greater Capital Region? BSNB offers mortgage options backed by local underwriting, competitive rates, and people who know the neighborhoods you’re looking in. From first-time homebuyer loans to construction financing, we’ll help you find the right fit.

• Purchase mortgages, refinance loans, ARMs, and construction/renovation financing.
• Local underwriting – faster decisions and fewer surprises .
• A dedicated Relationship Manager from application to keys in hand.
• Competitive rates with the personal support and attention.

When you need capital to grow, invest, or bridge a gap, BSNB Small Business Loans give you access to funds with local underwriting, fast decisions, and a banker who understands what it takes to run a business in the Capital Region. No out-of-state processing, no algorithm making the call – just experienced people reviewing your full picture.

• Term loans for equipment, expansion, and business investment.
• Lines of credit for working capital and cash flow flexibility.
• Competitive rates with repayment terms built around your cash flow.
• Local credit decisions – faster approvals with fewer surprises.
• Dedicated BSNB business banker from application through funding.

BSNB’s Online and Mobile Banking tools give you full control of your accounts from anywhere – so you can bank on your schedule, not ours. From mobile check deposit to real-time card controls, everything you need is in one place.

• Mobile check deposit, bill pay, account transfers, and eStatements – all in one app.
• Card Suite Lite lets you monitor transactions and freeze your debit card instantly.
• Apple Pay and Google Pay for fast, contactless payments anywhere.
• Secure messaging connects you to BSNB’s team without hold music.
• 24/7 account access – check balances, review history, and manage your money anytime.

BSNB Wealth Management Solutions combine disciplined investment strategies, ongoing guidance, and deep local expertise to help you build, protect, and transfer wealth across generations. Whether you’re planning for retirement, managing an estate, or building an investment portfolio, our advisors work with your full financial picture.

• Personalized investment strategies built around your goals and risk tolerance.
• Trusteeship and estate administration – we manage complexity so your family doesn’t have to.
• Special Needs Trusts designed to protect loved ones without disrupting benefit eligibility.
• Ongoing guidance from advisors who know the Capital Region financial landscape.
• Integrated with your BSNB banking relationship for a complete view of your finances.