Credit Cards

With a 1st National VISA or MasterCard, you'll enjoy competitive rates of interest and a full package of valuable benefits, including purchasing power at more than six million establishments and access to thousands of ATM locations worldwide. Corporate credit cards are also available to qualified businesses.

Our credit cards also provide the latest EMV, chip enabled technology, providing you an enhanced, more secure shopping experience. Cards are embedded with a computer chip that creates a unique transaction code for every purchase. To learn more, click here.

To request a copy of our Retail Installment Credit Agreement please contact us at (518)370-7200 or email

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SecurLOCK Equip

The power to protect your cards is in your hands.

SecurLOCK Equip is a mobile app that allows you to control how, when and where your 1st National Bank of Scotia debit or credit cards are used. It is a simple and secure way to manage and monitor your payment transaction activity from a single location and help keep your payment cards safe.

  • Switch cards On/Off
  • Receive Alerts
  • Monitor Spending
  • Select Locations
  • View Recent Transactions
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