Services
Live Tellers
- 24-Hour ATM
- Safe Deposit Boxes
- Debit Card Application
- Mortgage Loans
- CDs
- Deposit Accounts (Checking Account, Money Market Account, HYSAs)
- Wealth Management
Address: 34 Congress Street, Saratoga Springs, NY 12866
Phone: (518) 587-3520
Lobby Hours
| Monday | 9:00 AM – 5:00 PM |
| Tuesday | 9:00 AM – 3:00 PM |
| Wednesday | 9:00 AM – 5:00 PM |
| Thursday | 9:00 AM – 6:00 PM |
| Friday | 9:00 AM – 6:00 PM |
| Saturday | 9:00 AM – 1:00 PM |
| Sunday | Closed |
ATM Available 24/7
The Saratoga Springs branch is a full-service branch, but if you need access while the lobby is closed, Trustco has online banking services to address your financial needs.
Trustco’s Fast Track
Apply and close on a Home Equity Line of Credit in just 7 business days!
Banking at Trustco Bank in Saratoga Springs
Home Town Checking
Trustco offers both interest-bearing checking and free checking options. Enjoy free checks, no minimum balance requirements, debit cards, and access to our extensive ATM network. Business customers can take advantage of free business checking.
Mortgages & Lending
Whether you’re buying, building, or refinancing, we have the right loan. Trustco provides commercial, construction, and residential mortgages, plus home-equity lines of credit and installment loans. Because we’re a portfolio lender, we don’t sell or trade your loan.
Certificates of Deposit & Money Market Accounts
Grow your savings with our certificates of deposit, money market, and savings accounts. Choose the term and rate that works for you, and take advantage of our current CD specials.
Wealth Management
Whether your goals are immediate or long term, the professionals at Trustco Wealth Management are dedicated to protecting your wealth and managing its growth by utilizing prudent, time-tested techniques.
About Trustco Bank
Trustco Bank has supported communities since 1902 and now operates more than 130 branches across New York, Florida, Massachusetts, New Jersey, and Vermont. At our Saratoga Springs location, customers can open checking and savings accounts, explore a money market bank account, review certificates of deposit options, and access secure digital tools through Trustco Bank online banking. You can use Trustco Bank’s sign-in feature to manage your online bank account with ease. Our Saratoga Springs staff is available to help with new accounts, debit card requests, and general account support.
Located in the heart of the Saratoga Springs community, this branch provides financial resources and guidance for individuals and families. Visitors can use our home equity credit line calculator, learn about services available through our mortgage loan offices, and discuss long-term financial plans with knowledgeable team members. Whether you prefer in-person support or digital account management, the Saratoga Springs branch offers clear direction for managing accounts and making informed financial decisions.
Recent News From Trustco
Best Customer Service in Financial Services USA Today 2026
Best Regional Bank 2026 by Newsweek
Trustco Bank volunteers at the Upstate NY Ronald McDonald House Charities
Trustco Bank Volunteers at Sharing Center Florida
Trustco Bank Volunteers at Capital City Mission
Celebrating America 250
Month of Thanks: Celebrating Customers
Trustco Bank Volunteers at the Second Harvest Florida
2026 Guide to Understanding Mortgage Rates
Strategic Engagement with Chatter Buzz Media
Why People Love Banking With Trustco Saratoga Springs
“The service that I have received at this branch of Trustco Bank is excellent. Chad Smith is a competent and helpful branch manager. Highly recommended!”
Helen Jensen
September 2025
“Trustco Bank helped me buy my first home. They were clear and transparent, and I couldn’t have done it without them. Their rates are also unbeatable.
Chad Smith was great to work with, very helpful and informative. Would recommend this bank to anyone who wants a bank on their team.”
Peter Paliwoda
June 2025
“Branch manager Chad Smith was excellent in troubleshooting and correcting a statement error, and also took the time to explain various banking options to help me maximize the interest we earn on several accounts.”
Carl Korn
August 2025
