Unifying Our Technology

Updated July 7, 2025

Our rebrand to Arrow Bank began rolling out in January. Now we are in the final stages of unifying our technology behind the scenes.

Please be aware there will be service interruptions the weekend of July 18 as we unify our platforms under the Arrow Bank name.

Services that will temporarily be unavailable include Internet Banking, Business Online Banking, Loan Payment Center, Personal and Business apps and On Call Banking.

Expect to see more communication by mail, email, online and on our platforms as the July 18 weekend approaches.
Please carry an alternate form of payment the weekend of July 18 in case of brief debit card service interruptions.
If you are a customer of the former Saratoga National Bank, available beginning July 21, you will need to download our new Arrow Bank Personal Mobile Banking app or our new Business Mobile Banking App if you use them.

We are here to help! Thank you for your patience and understanding throughout this unification.

SERVICE	JULY 18	JULY 19-20 WEEKEND	JULY 21 AND AFTER
Internet Banking, Personal Mobile Banking App	Access ends at 8 p.m.	No access	Customers of former Saratoga National Bank only: Download our Arrow Bank personal app and set up your services!
Business Online Banking, Business Mobile Banking App (includes ACH and wire access)	Access ends at 1 p.m. for Saratoga National Bank platforms Access ends at 8 p.m. for Glens Falls National Bank platforms	No access	Customers of former Saratoga National Bank only: Download our Arrow Bank business app!
Loan Payment Center	Access ends at 5 p.m.	No access	Continue using as normal
Branches	All branches close at 4 p.m.	All branches closed	All branches open as normal
Debit Card	Use as normal	Carry an alternate form of payment in case of brief interruptions	Continue using as normal
On Call Banking	Access ends Friday evening	No access	Access resumes. If you used the Saratoga National Bank On Call service, you will need to re-enroll by calling (866) 357-2094.
Business Remote Deposit	Access ends at 1 p.m.	No access	Continue using as normal

Here’s other helpful information:

What online services will be affected the weekend of July 18?

Services that will be unavailable for a period of time starting Friday, July 18, and through the weekend, include:

Loan Payment Center
Internet Banking
Personal Mobile Banking app
Business Online Banking
Business Mobile Banking app
On Call Banking

Check back here for the latest updates that weekend.

When will On Call Banking be available?

Access will end Friday evening, July 18, and resume on Monday, July 21. Customers who use the Saratoga National Bank service, will need to re-enroll beginning July 21.

Will debit cards be affected?

For the weekend of July 18, please carry an alternate form of payment in case of brief service interruptions.

Otherwise, continue using your cards as normal. You can use your current card until it expires. When you’re due for a new card, your replacement card will have the Arrow Bank branding.

ATMs will be fully available, so you can access your money as normal. In addition to ATMs at our branches, our network includes more than 50,000 ATMs across the United States and internationally through the Allpoint Network. Find a location near you.

Will anything change with my account?

No, your account numbers will stay the same and there’s nothing you need to do to maintain your accounts, direct deposits or automatic payments.

Will my direct deposits/auto payments be affected?

No, any payments or deposits you have set up will continue as normal. There’s nothing you need to do.

Will the bank’s routing number change?

There are no changes to the bank’s routing number for the foreseeable future. Continue banking as you normally would.

Service Setup — Customers of the former Saratoga National Bank

Why do I need to set up my online services again?

Since Saratoga National Bank is now named Arrow Bank, you will need to download the new Arrow Bank Personal or Business app if you use them beginning on July 21.

While your accounts will migrate over, if you use the Personal app you will need to set up some services including Zelle^®, SecurLOCK, External Transfers, etc.

If you already use the Glens Falls National Bank (soon to be Arrow Bank) Internet Banking and Personal app, you don’t need to do anything. Simply keep using those services and your Saratoga National accounts will fold in. Dual customers need to log in with GFN credentials.

How do I download the new Arrow Bank apps (Personal and Business)?

Starting on July 21, you will be able to download the new Arrow Bank Personal app and the Arrow Bank Business App from your favorite app store.

We will post links here as soon as they are available.

How do I get my On Call Banking set up again?

In order to use our automated phone system the first time on or after July 21, customers who used the Saratoga National Bank service will need to re-enroll by calling (866) 357-2094. During re-enrollment:

You will be prompted to enter your Social Security number and PIN
Your initial PIN will be the last four digits of your Social Security number
You will then be prompted to reset your PIN

Call us at (518) 793-4121 if you need help re-enrolling beginning Monday, July 21.

I use Direct Connect or Web Connect. Do I need to do anything?

We will be providing more information about these services. Please check back.

What should I do about my checks?

Continue using your checks as normal. When you’re due to order a new supply, your new stock will have the Arrow Bank branding. If you used Saratoga National Bank checks, note that after July 21 any reorders will have the Arrow Bank routing number 021302554. However, you won’t need to adjust any of your existing payments or deposits due to the routing number.

What is happening with Purchase Rewards (in app and Internet Banking)?

Access to Purchase Rewards within our Saratoga National Bank platforms paused effective May 19. It will be available within the Arrow Bank platforms at a later date.

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