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# Chemung Canal Trust Company 

Chemung Canal Trust Company

## Sitemaps

- [XML Sitemap](https://www.chemungcanal.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Blog](https://www.chemungcanal.com/blog/) - Read Chemung Canal articles on banking, savings, loans, mortgages, business finances and practical money management topics.
- [Essential Business Banking Services for Your Company](https://www.chemungcanal.com/essential-business-banking-services-for-your-company/) - Review essential business banking services, from checking and cards to lending and cash management tools for company finances.
- [How Business Banking Solutions Support Small Businesses](https://www.chemungcanal.com/how-business-banking-solutions-support-small-businesses/) - Learn how business banking solutions support small businesses through checking, lending, cash management and financial organization.
- [The Top 5 Benefits of Business Banking for Your Company](https://www.chemungcanal.com/the-top-5-benefits-of-business-banking-for-your-company/) - Explore key benefits of business banking, including cash flow management, credit access, record keeping and financial support.
- [10 Key Questions to Ask Before Opening a Business Bank Account](https://www.chemungcanal.com/10-key-questions-to-ask-before-opening-a-business-bank-account/) - Review key questions to ask before opening a business bank account, from documentation and fees to services and support.
- [What Is Business Banking and Why Does Your Business Need It?](https://www.chemungcanal.com/what-is-business-banking-and-why-does-your-business-need-it/) - From handling daily transactions to securing financing, the right banking partner plays a critical role in supporting your operations and future success.
- [15 Reasons Why Business Loans Are Critical for Post-Pandemic Financial Recovery](https://www.chemungcanal.com/15-reasons-why-business-loans-are-critical-for-post-pandemic-financial-recovery/) - Review ways business loans can support recovery, cash flow, inventory, staffing, equipment and post-disruption growth planning.
- [Does Your Business Need Business Banking?](https://www.chemungcanal.com/does-your-business-need-business-banking/) - Learn what business banking is, how it separates company finances and when dedicated banking services may support growth.
- [Why Entrepreneurs Need Business Banking for Financial Success](https://www.chemungcanal.com/why-entrepreneurs-need-business-banking-for-financial-success-2/) - Learn why entrepreneurs benefit from dedicated business banking tools, lending access and financial support as companies grow.
- [How a Business Loan Can Benefit Your Company](https://www.chemungcanal.com/how-a-business-loan-can-benefit-your-company-2/) - Explore business loan benefits for companies, including working capital, equipment financing, expansion and cash flow support.
- [Mortgage Loan Types](https://www.chemungcanal.com/mortgage-loan-types/) - Compare common mortgage loan types, including fixed-rate and adjustable-rate options, to understand possible home financing paths.
- [How Do Home Equity Loans Compare to Mortgages?](https://www.chemungcanal.com/how-do-home-equity-loans-compare-to-mortgages/) - Compare home equity loans and mortgages, including purpose, collateral, repayment and how each financing option works.
- [8 Essential Tips for First-Time Home Buyers in 2022](https://www.chemungcanal.com/8-essential-tips-for-first-time-home-buyers-in-2022/) - Investing in a home for the first time can feel daunting, if not overwhelming at times. In 2021, 81% of all first-time home buyers were between the ages of 23 and 31, according to Statista. For those who are unfamiliar with the process, purchasing a home may feel downright scary if you're unsure of where to begin. If you are just thinking of purchasing a home for the first time, here are eight tips to keep in mind to help guide you along the way.
- [Everything You Need to Know About Applying for a Business Loan](https://www.chemungcanal.com/everything-you-need-to-know-about-applying-for-a-business-loan/) - Learn how to apply for a business loan, what lenders may review and how preparation can support a smoother financing process.
- [5 Common Financial Mistakes First-Time Home Buyers Make](https://www.chemungcanal.com/5-common-financial-mistakes-first-time-home-buyers-make/) - First-time home buyers can review common financial mistakes involving budgets, inspections, mortgage preparation and planning.
- [How to Work With a Mortgage Lender for Your Mortgaging Needs](https://www.chemungcanal.com/how-to-work-with-a-mortgage-lender-for-your-mortgaging-needs/) - Buying a home is an expensive endeavor, and most people need to finance their purchase by mortgaging. If you're in the market for a home, it's important to understand the different types of mortgages available, as well as the pros and cons of each.
- [Home Equity Loan Documents Checklist: What You Need](https://www.chemungcanal.com/home-equity-loan-documents-checklist-what-you-need/) - Review documents commonly needed for a home equity loan, including income, property, mortgage and identity information.
- [Why a Home Equity Loan Is Better Than a Reverse Mortgage](https://www.chemungcanal.com/why-a-home-equity-loan-is-better-than-a-reverse-mortgage/) - Your home can provide you with a surprising source of money when used properly. For example, according to Investopedia, you can usually mortgage up to 80% of your home's value before you're topped off. However, options like a reverse mortgage or home equity loan may work well in different situations. Typically, a home equity loan is a better option for most people.
- [Our Best Tips For Managing Your Business Loans](https://www.chemungcanal.com/our-best-tips-for-managing-your-business-loans/) - Use practical tips for managing business loans, repayment planning and cash flow so financing supports long-term company goals.
- [How to Conquer Common Challenges in Acquiring Home Equity Loans](https://www.chemungcanal.com/how-to-conquer-common-challenges-in-acquiring-home-equity-loans/) - Understand common home equity loan challenges and ways borrowers can prepare before applying for equity-based financing.
- [Could Business Loaning Help Your Small Company Thrive?](https://www.chemungcanal.com/could-business-loaning-help-your-small-company-thrive/) - See how business financing may help small companies manage growth, expenses and opportunities when capital is limited.
- [How Business Banking Solutions Support Small Businesses](https://www.chemungcanal.com/how-business-banking-solutions-support-small-businesses-2/) - Explore small business banking solutions for checking, lending, payments and digital tools that support daily operations.
- [IRA vs 401(k): How Chemung Canal Helps You Choose the Right Path to Retirement Security](https://www.chemungcanal.com/ira-vs-401k-how-chemung-canal-helps-you-choose-the-right-path-to-retirement-security/) - Compare IRAs and 401(k) plans to find the right retirement path. Chemung Canal Trust Company helps you maximize your savings & reach your future goals.
- [Money Market vs CDs — 10 Powerful Differences You Need to Know](https://www.chemungcanal.com/money-market-vs-cds-10-powerful-differences-you-need-to-know/) - Understand key differences between money market accounts and CDs, including access, terms and how each deposit option works.
- [Busting 7 Myths About Home Equity Loans](https://www.chemungcanal.com/home-equity-myths/) - Separate common home equity loan myths from facts so homeowners can better understand borrowing against available equity.
- [Using Credit Cards to Your Advantage](https://www.chemungcanal.com/using-credit-cards-to-your-advantage/) - Learn how to use credit cards wisely for convenience, credit building, rewards and debt management while avoiding common pitfalls.
- [What Can You Do With a Business Loan?](https://www.chemungcanal.com/what-can-you-do-with-a-business-loan/) - Learn common business loan uses, including startup costs, expansion, equipment, inventory, cash flow and working capital needs.
- [The Differences Between CDs and Savings Account](https://www.chemungcanal.com/the-differences-between-cds-and-savings-account/) - Compare CDs and savings accounts by access, terms, interest structure and how each option can support savings goals.
- [Interest Rate Changes: Announce Changes in Interest Rates for Savings Accounts, Loans, or Mortgages, and Explain the Impact on Customers](https://www.chemungcanal.com/interest-rate-changes-announce-changes-in-interest-rates-for-savings-accounts-loans-or-mortgages-and-explain-the-impact-on-customers/) - Understand how interest rate changes may affect savings accounts, loans, mortgages and customer financial decisions.
- [How to Get a Business Loan for Your Company](https://www.chemungcanal.com/how-to-get-a-business-loan-for-your-company/) - Learn how companies can prepare for a business loan, compare options and organize information before seeking financing.
- [Is Now a Good Time for First Time Home Buying?](https://www.chemungcanal.com/is-now-a-good-time-for-first-time-home-buying/) - Consider market conditions, personal finances and mortgage readiness when deciding whether it may be time to buy a first home.
- [What Is a HELOC and How Does It Work?](https://www.chemungcanal.com/what-is-a-heloc-and-how-does-it-work/) - Understand what a HELOC is, how home equity lines of credit work and when flexible borrowing against home equity may fit.
- [The Do's and Don'ts of Looking for Small Business Loaning](https://www.chemungcanal.com/the-dos-and-donts-of-looking-for-small-business-loaning/) - Review small business loan dos and dont's, including preparation, lender comparison and common financing mistakes to avoid.
- [How a Business Loan Can Benefit Your Company](https://www.chemungcanal.com/how-a-business-loan-can-benefit-your-company/) - Learn how business loans can support cash flow, growth, equipment, expansion and other company needs when planned responsibly.
- [What First Time Home Buyers Should Know About Mortgages](https://www.chemungcanal.com/what-first-time-home-buyers-should-know-about-mortgages/) - First-time home buyers can review mortgage basics, financing questions and preparation steps before applying for a home loan.
- [7 Benefits of Adjustable-Rate Mortgage Loans](https://www.chemungcanal.com/benefits-adjustable-rate-mortgage-loans/) - Learn potential benefits of adjustable-rate mortgages, including how introductory rates and future resets may affect borrowers.
- [Adjustable-Rate vs. Fixed-Rate Mortgages](https://www.chemungcanal.com/adjustable-rate-vs-fixed-rate-mortgages/) - Compare fixed-rate and adjustable-rate mortgages to understand payment stability, rate changes and home loan fit.
- [Business Banking Loans](https://www.chemungcanal.com/business-banking-loans/) - Explore small business loans in NY and PA from Chemung Canal, including financing options for growth, equipment and working capital.
- [What Is a Money Market Account and Is It Better Than a Savings Account?](https://www.chemungcanal.com/what-is-a-money-market-account-and-is-it-better-than-a-savings-account/) - Learn what a money market account is, how it differs from savings and when added access or earning potential may matter.
- [CD vs Money Market vs Savings: Where to Put Your Cash in 2026](https://www.chemungcanal.com/cd-vs-money-market-vs-savings-where-to-put-your-cash-in-2026/) - Compare CDs, money market accounts and savings accounts to decide where cash may fit based on access, goals and timing.
- [How CDs Work: A Plain-English Guide to Certificate of Deposit Accounts](https://www.chemungcanal.com/how-cds-work-a-plain-english-guide-to-certificate-of-deposit-accounts/) - Learn how certificates of deposit work, including terms, interest, early withdrawals and when CDs may fit a savings plan.
- [What to Do With a Large Sum of Money: Savings, CDs, or Money Market?](https://www.chemungcanal.com/what-to-do-with-a-large-sum-of-money-savings-cds-or-money-market/) - Review practical options for a large sum of money, including savings accounts, CDs and money market accounts.
- [Checking vs Savings Account: Which One Do You Actually Need?](https://www.chemungcanal.com/checking-vs-savings-account-which-one-do-you-actually-need/) - Understand checking vs. savings accounts, when each is useful and why many customers benefit from having both account types.
- [Savings vs CD vs Money Market: Making the Most of Your Savings in 2026](https://www.chemungcanal.com/savings-vs-cd-vs-money-market-making-the-most-of-your-savings-in-2026/) - Compare savings accounts, CDs and money market accounts to understand access, rates, terms and fit for 2026 savings goals.
- [CD vs. Money Market Account: Which One Fits Your Savings Goals?](https://www.chemungcanal.com/cd-vs-money-market-account-which-one-fits-your-savings-goals/) - A CD and a Money Market Account can both help you earn interest on savings, but they solve different problems. A CD is built for money you can leave untouched for a set term. A Money Market Account is built for savings that should keep earning interest while remaining more accessible. The best choice depends
- [10 Foolproof Ways to Prepare as a First-Time Home Buyer](https://www.chemungcanal.com/10-foolproof-ways-to-prepare-as-a-first-time-home-buyer/) - Finding good housing can be a challenge. Perhaps you've decided that you're tired of paying a landlord to rent a place. Maybe now you're also ready to be a first-time home buyer. According to Statista, in 2021, 81% of people buying a home for the first time were between the ages of 23-31 years old. Here are 10 foolproof ways to do just that.
- [How Does a CD Account Work](https://www.chemungcanal.com/how-does-a-cd-account-work/) - Understanding the nuances of CDs can lead to better financial decisions and enhanced savings potential.
- [What Size Business Loan Is Right for Me?](https://www.chemungcanal.com/what-size-business-loan-is-right-for-me/) - You can benefit from a business loan if you are running a business in several ways. This is why many businesses are seeking non-pandemic-related government funding.

## Pages

- [Front Page__Rotating Banner](https://www.chemungcanal.com/) - Explore personal banking, business banking, loans and wealth services from Chemung Canal, a locally owned community bank serving NY and PA.
- [Credit Builder Loan](https://www.chemungcanal.com/credit-builder-loan/) - Build or rebuild credit with a Chemung Canal Credit Builder Loan designed to support responsible borrowing habits.
- [Rates - Home Equity](https://www.chemungcanal.com/rates-home-equity/) - Review current Chemung Canal home equity rates, including fixed-rate loan and adjustable-rate line of credit options.
- [Mortgage](https://www.chemungcanal.com/mortgage/) - Get competitive mortgage rates from New York's oldest locally owned community bank. Fixed, ARM, & jumbo loans available.
- [FAQs](https://www.chemungcanal.com/faqs/) - Find answers to frequently asked questions about banking, loans, digital tools, & more at Chemung Canal Trust Company.
- [CDs and IRAs](https://www.chemungcanal.com/cds-and-iras/) - Explore Chemung Canal CDs and IRAs for steady savings, retirement planning and longer-term deposit account options.
- [Rates](https://www.chemungcanal.com/rates/) - View current Chemung Canal rates and special offers for savings, CDs, checking, loans and other deposit or lending products.
- [Andrea McClure](https://www.chemungcanal.com/team/andrea-mcclure/) - Andrea McClure serves Chemung Canal Wealth Management clients as a Manager of Tax Services, supporting financial planning and client service needs.
- [Michael L. Hart](https://www.chemungcanal.com/team/michael-l-hart/) - Michael L. Hart serves Chemung Canal Wealth Management clients as a Senior Relationship Manager, supporting financial planning and client service needs.
- [Hal D. Coghill](https://www.chemungcanal.com/team/hal-d-coghill/) - Hal D. Coghill serves Chemung Canal Wealth Management clients as a Relationship Manager, supporting financial planning and client service needs.
- [Kevin W. Brimmer](https://www.chemungcanal.com/team/kevin-w-brimmer/) - Kevin W. Brimmer serves Chemung Canal Wealth Management clients as an Investment Officer, supporting financial planning and client service needs.
- [Connie Sibrava](https://www.chemungcanal.com/team/connie-sibrava/) - Connie Sibrava serves Chemung Canal Wealth Management clients as a Relationship Manager, supporting financial planning and client service needs.
- [Nathan Gage](https://www.chemungcanal.com/team/nathan-gage/) - Nathan Gage serves Chemung Canal Wealth Management clients as a Retirement Plan Advisor, supporting financial planning and client service needs.
- [Stephanie Martelli](https://www.chemungcanal.com/team/stephanie-martelli/) - Stephanie Martelli serves Chemung Canal Wealth Management clients as a Senior Retirement Plan Manager, supporting financial planning and client service.
- [Heidi Wahl](https://www.chemungcanal.com/team/heidi-wahl/) - Heidi Wahl serves Chemung Canal Wealth Management clients as a Relationship Manager, supporting financial planning and client service needs.
- [Austin Farrell](https://www.chemungcanal.com/team/austin-farrell/) - Austin Farrell serves Chemung Canal Wealth Management clients as a Relationship Manager, supporting financial planning and client service needs.
- [Lauren Zell](https://www.chemungcanal.com/team/lauren-zell/) - Lauren Zell serves Chemung Canal Wealth Management clients as a Senior Retirement Plan Manager, supporting financial planning and client service needs.
- [Sara Soprano](https://www.chemungcanal.com/team/sara-soprano/) - Sara Soprano serves Chemung Canal Wealth Management clients as a Senior Retirement Plan Manager, supporting financial planning and client service needs.
- [Gregory Stewart](https://www.chemungcanal.com/team/gregory-stewart/) - Gregory Stewart serves Chemung Canal Wealth Management clients as a Senior Relationship Manager, supporting financial planning and client service needs.
- [Peter Capozzola, CFA](https://www.chemungcanal.com/team/peter-capozzola/) - Peter Capozzola serves Chemung Canal Wealth Management clients as a Senior Investment Officer, supporting financial planning and client service needs.
- [Ryan E. Weinhoffer](https://www.chemungcanal.com/team/ryan-e-weinhoffer/) - Ryan E. Weinhoffer serves Chemung Canal Wealth Management clients as a Portfolio Manager, supporting financial planning and client service needs.
- [Joseph J. Tascone](https://www.chemungcanal.com/team/joseph-j-tascone/) - Joseph J. Tascone serves Chemung Canal Wealth Management clients as a Senior Investment Officer, supporting financial planning and client service needs.
- [Julie Wolak](https://www.chemungcanal.com/team/julie-wolak/) - Julie Wolak serves Chemung Canal Wealth Management clients as a Senior Retirement Plan Manager, supporting financial planning and client service needs.
- [Michael D. Blatt, CFA, CMT](https://www.chemungcanal.com/team/michael-d-blatt/) - Michael D. Blatt serves Chemung Canal Wealth Management clients as a Senior Investment Officer, supporting financial planning and client service needs.
- [Catherine B. Crandall](https://www.chemungcanal.com/team/catherine-b-crandall/) - Catherine B. Crandall serves Chemung Canal Wealth Management clients as a Senior Trust Officer, supporting financial planning and client service needs.
- [Shelby M. Fay, CFA, CFP®](https://www.chemungcanal.com/team/shelby-m-fay/) - Shelby M. Fay serves Chemung Canal Wealth Management clients as a Chief Investment Officer, supporting financial planning and client service needs.
- [Vanessa R. Schallmo, QKA®, TGPC, QPFC](https://www.chemungcanal.com/team/vanessa-r-schallmo-qka-tgpc-qpfc/) - Vanessa R. Schallmo serves Chemung Canal Wealth Management clients as a Senior Retirement Plan Manager, supporting financial planning and client.
- [Locations - Horseheads](https://www.chemungcanal.com/locations/locations-horseheads/) - Get hours, phone number, services and address details for the Chemung Canal Horseheads branch at 602 S. Main St in Horseheads.
- [Locations - Corning](https://www.chemungcanal.com/locations/locations-corning/) - Get hours, phone number, services and address details for the Chemung Canal Corning branch at 149 W. Market St in Corning.
- [Locations - Elmira Heights](https://www.chemungcanal.com/locations/locations-elmira-heights/) - Get hours, phone number, services and address details for the Chemung Canal Elmira Heights branch at 100 W. McCanns Blvd in Elmira Heights.
- [Locations - Watkins Glen](https://www.chemungcanal.com/locations/locations-watkins-glen/) - Get hours, phone number, services and address details for the Chemung Canal Watkins Glen branch at 318 N. Franklin St in Watkins Glen.
- [Locations - Seneca Falls](https://www.chemungcanal.com/locations/locations-seneca-falls/) - Get hours, phone number, services and address details for the Chemung Canal Seneca Falls branch at 54 Fall St. in Seneca Falls.
- [Locations - Ithaca Community Corners](https://www.chemungcanal.com/locations/locations-ithaca-community-corners/) - Get hours, phone number, services and address details for the Chemung Canal Ithaca Community Corners branch at 909 Hanshaw Rd in Ithaca.
- [Locations - Binghamton](https://www.chemungcanal.com/locations/locations-binghamton/) - Get hours, phone number, services and address details for the Chemung Canal Binghamton branch at 127 Court St in Binghamton.
- [Locations - Vestal](https://www.chemungcanal.com/locations/locations-vestal/) - Get hours, phone number, services and address details for the Chemung Canal Vestal branch at 100 Rano Blvd in Vestal.
- [Locations - Auburn Genesee Street](https://www.chemungcanal.com/locations/locations-auburn-genesee-street/) - Get hours, phone number, services and address details for the Chemung Canal Auburn Genesee Street branch at 110 Genesee St in Auburn.
- [Locations - Montour Falls](https://www.chemungcanal.com/locations/locations-montour-falls/) - Get hours, phone number, services and address details for the Chemung Canal Montour Falls branch at 303 W. Main St in Montour Falls.
- [Locations - Canton](https://www.chemungcanal.com/locations/locations-canton/) - Get hours, phone number, services and address details for the Chemung Canal Canton branch at 5 West Main St in Canton.
- [Locations - Elmira Westside](https://www.chemungcanal.com/locations/locations-elmira-westside/) - Get hours, phone number, services and address details for the Chemung Canal Elmira Westside branch at 628 W. Church St in Elmira.
- [Locations - Troy](https://www.chemungcanal.com/locations/locations-troy/) - Get hours, phone number, services and address details for the Chemung Canal Troy branch at 159 Canton St in Troy.
- [Locations - Elmira](https://www.chemungcanal.com/locations/locations-elmira/) - Get hours, phone number, services and address details for the Chemung Canal Elmira branch at 1 Chemung Canal Plaza in Elmira.
- [Locations - Cortland](https://www.chemungcanal.com/locations/locations-cortland/) - Get hours, phone number, services and address details for the Chemung Canal Cortland branch at 1094 State Route 222 in Cortland.
- [Locations - Waverly](https://www.chemungcanal.com/locations/locations-waverly/) - Get hours, phone number, services and address details for the Chemung Canal Waverly branch at 405 Chemung St in Waverly.
- [Locations - Elmira Southport](https://www.chemungcanal.com/locations/locations-elmira-southport/) - Get hours, phone number, services and address details for the Chemung Canal Elmira Southport branch at 951 Pennsylvania Ave in Elmira.
- [Nacha ACH Rule Changes](https://www.chemungcanal.com/nacha-ach-rule-changes/) - Review Nacha ACH rule changes and payment guidance from Chemung Canal for businesses that send, receive or manage ACH transactions.
- [Wealth Account Login](https://www.chemungcanal.com/wealth-account-login/) - Access Chemung Canal Wealth Management account login resources for balances, market values, transactions and financial data.
- [Line of Credit](https://www.chemungcanal.com/line-of-credit/) - A Chemung Canal personal line of credit can provide flexible access to funds for expenses, cash flow and unexpected needs.
- [Small Business Loans](https://www.chemungcanal.com/small-business-loans/) - Explore Chemung Canal small business loan options for growth, working capital, equipment, real estate and other financing needs.
- [Municipalities](https://www.chemungcanal.com/municipalities/) - Explore Chemung Canal banking solutions for municipalities, including collections, payments, reporting and cash flow support.
- [Investment Services](https://www.chemungcanal.com/investment-services/) - Chemung Canal investment services help clients build portfolios aligned with goals, risk tolerance, time horizon and long-term plans.
- [Investment Outlook](https://www.chemungcanal.com/investment-outlook/) - Read Chemung Canal Wealth Management investment outlook articles with market commentary and financial services insights.
- [Municipal Banking](https://www.chemungcanal.com/municipal-banking/) - Chemung Canal municipal banking helps local governments manage funds, reporting, cash flow and community finance needs.
- [Contact a Wealth Advisor](https://www.chemungcanal.com/contact-a-wealth-advisor/) - Contact a Chemung Canal Wealth Management advisor for questions about investments, retirement, trusts, estate planning or account access.
- [Money Market](https://www.chemungcanal.com/money-market/) - Compare Chemung Canal money market accounts that combine savings potential with convenient access to funds.
- [Trust & Estate Administration](https://www.chemungcanal.com/trust-estate-administration/) - Chemung Canal trust and estate administration services help preserve assets, manage fiduciary duties and support legacy planning.
- [FAQ Business Banker Tokens](https://www.chemungcanal.com/faq-business-banker-tokens/) - Find answers about Chemung Canal Business Banker soft tokens, hard tokens, security codes and online banking login protection.
- [EscrowEdge](https://www.chemungcanal.com/escrowedge/) - EscrowEdge helps organizations create digital client accounts, manage reporting and support compliance-minded account workflows.
- [Fraud Protection](https://www.chemungcanal.com/fraud-protection/) - Protect business accounts with Chemung Canal fraud protection tools for ACH, checks, unauthorized activity and account security.
- [Remote Deposit Capture](https://www.chemungcanal.com/remote-deposit-capture/) - Deposit checks from the office with Chemung Canal Remote Deposit Capture, including scanner-based processing and extended deposit access.
- [Card Services - Business](https://www.chemungcanal.com/card-services-business/) - Explore Chemung Canal business credit and debit card options that help companies manage purchases and organize spending.
- [Property Management & Landlords](https://www.chemungcanal.com/property-management-landlords/) - Chemung Canal helps landlords and property managers organize operating funds, deposits and property finance workflows.
- [Prestige Banking](https://www.chemungcanal.com/prestige-banking/) - Prestige Banking from Chemung Canal offers personalized guidance, dedicated banker support and premium banking coordination.
- [Special Offer](https://www.chemungcanal.com/special-offer/) - Review Chemung Canal business financing offers designed to help companies manage timely decisions, growth and working capital needs.
- [Business Banker](https://www.chemungcanal.com/business-banker/) - Manage cash flow, payments, account access and business finances online with Chemung Canal Business Banker digital banking.
- [FAQ Wealth Management](https://www.chemungcanal.com/faq-wealth-management/) - Find answers to common Chemung Canal Wealth Management questions about custody, regulation, account access and client protections.
- [Digital Wallet](https://www.chemungcanal.com/digital-wallet/) - Add eligible Chemung Canal debit or credit cards to a digital wallet for secure, contactless payments from a phone or smartwatch.
- [Careers](https://www.chemungcanal.com/career/) - Explore careers at Chemung Canal Trust Company and learn about opportunities to join a community-focused financial services team.
- [Personal Loans](https://www.chemungcanal.com/personal-loans-2/) - Compare Chemung Canal secured and unsecured personal loan options for purchases, expenses and other borrowing needs.
- [HELOC Special](https://www.chemungcanal.com/heloc-special/) - Explore Chemung Canal HELOC special financing for home improvements, college expenses, debt consolidation and other major needs.
- [Wire Services](https://www.chemungcanal.com/wire-services/) - Send domestic and international wire transfers securely with Chemung Canal wire services for timely funds movement.
- [Customer Identification Requirements](https://www.chemungcanal.com/customer-identification-requirements/) - Learn what customer identification information Chemung Canal may request when opening or maintaining accounts under federal requirements.
- [Business Checking](https://www.chemungcanal.com/business-checking/) - Compare Chemung Canal business checking accounts designed for startups, established companies and day-to-day cash management.
- [Our History](https://www.chemungcanal.com/our-history/) - Learn how Chemung Canal Trust Company has served customers and communities since 1833 through local banking and financial services.
- [Personal Credit Cards](https://www.chemungcanal.com/personal-credit-cards/) - Explore Chemung Canal personal credit card options for everyday purchases, secure payments, rewards and flexible spending.
- [Home Equity Loan](https://www.chemungcanal.com/home-equity-loan/) - Use home equity for renovations, education, expenses or other goals with Chemung Canal home equity loan options and local lending support.
- [Business Savings](https://www.chemungcanal.com/business-savings/) - Compare Chemung Canal business savings accounts built to help companies manage reserves, earn interest and support future goals.
- [Online Accessibility Statement](https://www.chemungcanal.com/online-accessibility-statement/) - Review Chemung Canal's online accessibility statement, compliance status and website accessibility support information.
- [Commercial Loans](https://www.chemungcanal.com/commercial-loans/) - Explore Chemung Canal commercial loan options for business growth, equipment, real estate, working capital and other financing needs.
- [Landlord Tenant Lease Security Service](https://www.chemungcanal.com/landlord-tenant-lease-security-service/) - Manage tenant security deposits more efficiently with Chemung Canal lease security services for landlords and property managers.
- [Calculators](https://www.chemungcanal.com/calculator/) - Use Chemung Canal financial calculators to estimate loans, savings goals, retirement needs, mortgage options and other planning scenarios.
- [Team](https://www.chemungcanal.com/team/) - Meet the Chemung Canal Wealth Management team providing investment, trust, estate, retirement and relationship management services.
- [Retirement Services](https://www.chemungcanal.com/retirement-services/) - Chemung Canal retirement services help individuals and plan sponsors prepare for the future with planning, administration and guidance.
- [CRA Public Files](https://www.chemungcanal.com/cra-public-files/) - Access Chemung Canal CRA public file information, including community reinvestment materials available for public inspection.
- [Personal Savings](https://www.chemungcanal.com/personal-savings/) - Compare Chemung Canal personal savings account options designed to help customers build balances and manage money with flexibility.
- [Our History - Wealth](https://www.chemungcanal.com/our-history-wealth/) - Explore the history of Chemung Canal Wealth Management and its trust, investment and retirement services dating back over a century.
- [Law Firms](https://www.chemungcanal.com/law-firms/) - Chemung Canal helps law firms manage client funds, retainers and settlement deposits with banking support built for compliance needs.
- [Locations & Hours](https://www.chemungcanal.com/locations/) - Find Chemung Canal branch locations, hours, phone numbers and available banking services across Southern NY, the Finger Lakes and PA.
- [Customer Support](https://www.chemungcanal.com/customer-support/) - Find Chemung Canal customer support resources for banking questions, account help, card service, loans and digital banking assistance.
- [Lock Box Services](https://www.chemungcanal.com/lock-box-services/) - Streamline receivables with Chemung Canal lockbox services that help businesses collect payments and manage cash flow more efficiently.
- [Security Center](https://www.chemungcanal.com/security-center/) - Find fraud prevention tips, account security resources and identity protection guidance from Chemung Canal Trust Company.
- [Rates Mortgage](https://www.chemungcanal.com/rates-mortgage/) - Review current Chemung Canal mortgage rate options, including fixed-rate, jumbo and construction loan information for home financing.
- [Financial Planning](https://www.chemungcanal.com/financial-planning/) - Plan for retirement, investments and long-term financial goals with guidance from Chemung Canal Wealth Management advisors.
- [Who We Are](https://www.chemungcanal.com/who-we-are/) - Learn about Chemung Canal Trust Company, its local banking roots, customer-first values and commitment to communities across NY and PA.
- [Rates - Auto Loan](https://www.chemungcanal.com/rates-auto-loan/) - Review current Chemung Canal auto loan rates by credit score and term to compare financing options for new and used vehicles.
- [Debit Cards](https://www.chemungcanal.com/debit-cards/) - Use a Chemung Canal debit card for everyday purchases, secure access and convenient spending support through eligible checking accounts.
- [SavvyMoney](https://www.chemungcanal.com/savvymoney/) - Get competitive mortgage rates from New York's oldest locally owned community bank. Fixed, ARM, & jumbo loans available.
- [Home](https://www.chemungcanal.com/home/) - Canal Bank is a division of Chemung Canal Trust Company, the oldest locally owned and managed community bank in New York, blending tradition with innovation.
- [Checking](https://www.chemungcanal.com/checking/) - Open a personal checking account at Chemung Canal Trust. Free options, local service, & uChoose Rewards. Bank where you belong.
- [CD Specials](https://www.chemungcanal.com/cd-specials/) - CD Specials Take Advantage of Our CD Special Offers 3.55% APY* for 6 months 3.25% APy* for 15 months APPLY TODAY! *APY = Annual Percentage Yield. Minimum deposit to open is $1,000. Account balance may not exceed $1,000,000 with the exception of future interest payments. Offer valid for personal and nonprofit clients only. There may
- [Auto Loans](https://www.chemungcanal.com/auto-loans/) - Finance your next vehicle with a Chemung Canal auto loan. Competitive rates, flexible terms, & fast local decisions.
- [Banking Login](https://www.chemungcanal.com/banking-login/) - Log In to Additional Banking Services BusinessCredit Card Login Manage your account online Log In PersonalCredit Card Login Manage your account online Log In RetirementPlan Login Manage your account online Log In WealthManagement Account Manage your account online Log In MerchantServices Account Manage your account online Log In PayMy LoanOnline Make a loan payment online
- [New Home Show Raffle](https://www.chemungcanal.com/new-home-show-raffle/) - New Home Show Raffle Entry Enter to Win! Are you Interested in...(Check all that Apply)Building a New HomeHome RenovationsKitchen or Bath RemodelBasement FinishingHome AdditionHome Improvement (roofing, siding, windows, etc.)OtherNamePhoneBest Time to CallMorningAfternoonEveningEmail AddressConfirm Email AddressPreferred Contact MethodPhoneTextEmailSubmit
- [Wealth Management](https://www.chemungcanal.com/wealth-management/) - Chemung Canal Wealth Management offers investment, retirement, & estate planning services backed by decades of local expertise.
- [Rates - Personal Loans](https://www.chemungcanal.com/rates-personal-loans/) - Current Rates Personal Loan Rates Rates as of July 7, 2026 Personal Loan Rates Credit Score*TermInterest RateAPR**Interest Rate (Partially Secured)APR**Interest Rate (Secured)APR** 740 & AboveUp to 48 Months8.00%8.00%9.25%9.25%11.25%11.25%740 & Above49 to 60 Months8.50%8.50%10.25%10.25%----700 - 739Up to 48 Months9.50%9.50%11.00%11.00%13.00%13.00%700 - 73949 to 60 Months10.25%10.25%11.75%11.75%----675 - 699Up to 48 Months12.00%12.00%14.25%14.25%----675 - 69949 to 60 Months12.50%12.50%14.75%14.75%----674 & BelowUp
- [Locations - Ithaca Elmira Road](https://www.chemungcanal.com/locations/locations-ithaca-elmira-road/) - Chemung Canal Trust Company • 304 Elmira Rd Contact Chemung Canal Trust CompanyAddress: 304 Elmira RdIthaca, NY 14850Phone: (607) 272-2407 HoursLobby & Drive-Up: Mon – Fri, 9am – 4:00pm; Sat, 9am – Noon Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit
- [Locations - Owego](https://www.chemungcanal.com/locations/locations-owego/) - Chemung Canal Trust Company • 203 Main St Contact Chemung Canal Trust CompanyAddress: 203 Main StOwego, NY 13827Phone: (607) 687-0670 HoursLobby & Drive-up: Mon – Fri, 9am – 4:00pm Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services
- [Locations - Horseheads Arnot Road](https://www.chemungcanal.com/locations/locations-horseheads-arnot-road/) - Chemung Canal Trust Company • 29 Arnot Rd Contact Chemung Canal Trust CompanyAddress: 29 Arnot RdHorseheads, NY 14845Phone: ((607)739-0373 HoursLobby: Mon – Fri, 9am – 4:00pm; Sat, 10am – NoonDrive-up: Mon – Fri, 9am – 4:00pm; Sat, 9am – Noon Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine
- [Locations - Bath](https://www.chemungcanal.com/locations/locations-bath/) - Chemung Canal Trust Company • 201 Bath Plaza ContactChemung Canal Trust CompanyAddress: 201 Bath PlazaBath, NY 14810Phone: (607) 776-3361 HoursLobby: Mon – Fri, 9am – 4:00pm; Sat 10am – NoonDrive-up: Mon – Fri, 9am – 4:00pm; Sat 9am – Noon Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine
- [Locations - Auburn Grant Avenue](https://www.chemungcanal.com/locations/about-us-branch-atm-locations-grant-avenue-auburn-ny/) - 185 Grant Ave • Auburn, NY ​ ContactChemung CanalAddress: 185 Grant AveAuburn, NY 13021Phone: (315) 253-7155 HoursLobby & Drive-up: Mon – Fri 9am – 4:00pm, Sat 9am – Noon Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services
- [Privacy & Security](https://www.chemungcanal.com/privacy-security/) - Privacy & Security Mobile, Internet, and Corporate Privacy Policies Mobile Privacy Policy The Company’s “GoBanking” Mobile Banking App (the “App”) – powered by Fiserv – helps customers easily manage finances on the go.The App also allows you to:View real-time balances for your accountsManage your moneyView transactions and statementsMake transfersManage your debit cardPay people with ZellePay
- [Bill Payment](https://www.chemungcanal.com/bill-payment/) - Bill Payment Simple. Secure. Time-Saving. At Chemung Canal, we understand that your time is one of your most valuable assets, and paying bills shouldn’t get in your way. Our Online Bill Payment System helps you quickly, easily and safely pay your bills. Organize your payables, link invoices to payments, and send payments to almost anyone
- [Online & Mobile Banking](https://www.chemungcanal.com/online-mobile-banking/) - GoBanking Banking That Moves With You.​ Wherever you go, your bank goes with you. GoBanking from Chemung Canal gives you the freedom to manage your money on your schedule. From bill payments to mobile check deposits and fund transfers, our secure online and mobile banking services make it easy to stay in control of your
- [Cookie Policy](https://www.chemungcanal.com/cookie-policy/) - Effective Date: 22-Jul-2025 Last Updated: 22-Jul-2025 What are cookies? This Cookie Policy explains what cookies are and how we use them, the types of cookies we use i.e, the information we collect using cookies and how that information is used, and how to manage the cookie settings. Cookies are small text files that are
- [Trusted. Local. - Landing Page](https://www.chemungcanal.com/trusted-local-landing-page/) - Committed to You. Still Here. Still Local. From everyday banking to life’s biggest moments, we’re here to help you reach financial success — together. That’s why we offer a variety of checking & savings accounts designed to fit your lifestyle. Whether you’re looking for a no-cost, convenient option or one that earns interest, we’ll help
- [Locations - Latham](https://www.chemungcanal.com/locations/locations-latham/) - 581 New Loudon Rd • Latham, NY ContactAddress: 581 New Loudon RdLatham, NY 12110Phone: (518) 594-3670 HoursLobby & Drive-Up: Mon – Fri, 9am – 4pm, Sat, 9am – Noon Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services
- [Locations - Slingerlands](https://www.chemungcanal.com/locations/locations-slingerlands/) - 1365 New Scotland Rd • Slingerlands, NY ContactAddress: 1365 New Scotland RdSlingerlands, NY 12159Phone: (518) 694-5620 HoursLobby & Drive-Up: Mon – Fri, 9:30am – 4:30pm Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services ATM Make an Appointment
- [Locations - Schenectady](https://www.chemungcanal.com/locations/locations-schenectady/) - 2 Rush St • Schenectady, NY ContactAddress: 2 Rush StSchenectady, NY 12305Phone: (518) 579-2478 HoursLobby & Drive-Up: Mon – Fri, 9:30am – 4:30pm Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services ATM Make an Appointment Schedule Here
- [Locations - Saratoga - Springs](https://www.chemungcanal.com/locations/locations-saratoga-springs/) - 3057 Route 50 • Saratoga Springs, NY ContactAddress: 3057 Route 50Saratoga Springs, NY 12110Phone: (518) 430-2832 HoursLobby & Drive-Up: Mon – Fri, 9:30am – 4:30pm Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services ATM Make an Appointment
- [Locations - Clifton - Park](https://www.chemungcanal.com/locations/locations-clifton-park/) - 25 Park Ave • Clifton Park, NY Contact Address: 25 Park AveClifton Park, NY 12065Phone: (518) 579-2080 Hours Lobby: Mon – Fri, 9:30am – 4:30pm Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services ATM Make an Appointment
- [Locations - Albany - Wolf](https://www.chemungcanal.com/locations/locations-albany-wolf/) - 65 Wolf Rd, Ste 107 • Albany, NY ContactAddress: 65 Wolf Rd, Ste 107Albany, NY 12205Phone: (518) 438-0046 HoursLobby & Drive-Up: Mon – Fri, 9am – 4pm Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services ATM Make
- [Locations - Albany - State](https://www.chemungcanal.com/locations/locations-albany-state/) - 132 State St • Albany, NY ContactAddress: 132 State StAlbany, NY 12207Phone: (518) 434-1212 Hours Lobby: Mon – Fri, 9:30am – 4:30pm Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services ATM Make an Appointment Schedule Here
- [5529 Main Street • Williamsville, NY ​​](https://www.chemungcanal.com/locations/5529-main-street-williamsville-ny/) - 5529 Main Street • Williamsville, NY ​ ContactAddress: 5529 Main StreetWilliamsville, NY 14221Phone: (716) 458-3690 HoursLobbyMonday – Friday: 9:00am – 4:30pmSaturday – Sunday: Closed Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services ATM Make an Appointment Schedule
- [Christopher K. Kelly, AIF®, QPFC, QKA, CEBS](https://www.chemungcanal.com/team/christopher-k-kelly/) - Christopher K. Kelly, CFP®, AIF®, QPFC, QKA®, CEBS Sr. Vice President / Retirement Services Manager Christopher K. Kelly joined Chemung Canal Trust Company in 2011 as a Senior Retirement Plan Manager. He was promoted to Assistant Vice President in 2013 and then to Vice President and Retirement Services Department Manager in 2014. In 2018, Chris
- [Zelle](https://www.chemungcanal.com/zelle/) - Zelle® SEND & RECEIVE MONEY THE EASY WAY WITH ZELLE® Chemung Canal + ZELLE® Skip the trip to the ATM and send money with confidence using Zelle®. We’ve partnered with Zelle® to offer a fast and secure way to transfer funds directly from your Chemung Canal online banking account or mobile app. With just an
- [z_form1](https://www.chemungcanal.com/z_form1/)
- [Docusign](https://www.chemungcanal.com/docusign/) - You're All Done! Thank you for signing your documents!You’ll receive a copy of your document via email once all parties have signed.
- [test poll page](https://www.chemungcanal.com/test-poll-page/) - Poll Page Holiday Poll TestWhat's the best holiday movie?ElfMiracle on 34th StreetThe HolidayHome Alone (Any in the series)Die HardThe GrinchNational Lampoon ChristmasThe Santa ClauseVoteView results What's your favorite holiday season treat?Cut-out Sugar CookiesFudgePumpkin RollPieEggnogCandy CanesGingerbread cookiesSubmit
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## ElementsKit items

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- [dynamic-content-widget-5cba6953-d04955e](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-5cba6953-d04955e/) - Capital Bank65 Wolf Rd, Ste. 107Albany, NY 12205Phone: (518) 438-0046Hours of OperationLobby & Drive-Up: Mon – Fri, 9am – 4:00pm Get Driving Directions Location Details Contact Us
- [dynamic-content-widget-5cba6953-f94ea88](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-5cba6953-f94ea88/) - Capital Bank132 State StAlbany, NY 12207Phone: (518) 434-1212Hours of OperationLobby: Mon – Fri, 9:30am – 4:30pm Get Driving Directions Location Details Contact Us
- [dynamic-content-widget-28d51f6-8146960](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-28d51f6-8146960/) - Chemung Canal Trust Company Auburn, Genesee Street Chemung Canal Trust Company 110 Genesee StAuburn, NY 13021Phone: (315) 255-7810 Hours of OperationMon – Fri, 9am – 4:00pm Get Driving Directions Location Details Contact Us Auburn, Grant Avenue Chemung Canal Trust Company 185 Grant AveAuburn, NY 13021Phone: (315) 253-7155 Hours of OperationLobby & Drive-up: Mon – Fri
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- [dynamic-content-widget-1a7abd4e-137d408](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-1a7abd4e-137d408/) - Chemung Canal Trust Company 185 Grant AveAuburn, NY 13021Phone: (315) 253-7155 Hours of OperationLobby & Drive-up: Mon – Fri 9am – 4:00pm, Sat 9am – Noon Get Driving Directions Location Details Contact Us
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- [dynamic-content-widget-c082b91-0ab16fe](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-c082b91-0ab16fe/) - Here’s how it works:Earn 1 point for every $2 each time you use your card and sign for your purchasesEarn additional points by shopping at participating retailers in-store or online through UChooseRewards.com.Redeem points for millions of itemsClick here to view an instructional demo video of the UChoose Rewards program Points earned on any non-PIN-based transactionThe more
- [dynamic-content-widget-c082b91-7cc926a](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-c082b91-7cc926a/) - Easily access your Chemung Canal checking account anytime, anywhere. Our business debit card offers a simple and secure way to manage your finances. Withdraw funds, deposit money, check your balance, or transfer funds between linked Chemung Canal accounts— at your convenience. Plus, with access to thousands of ATMs worldwide, your money is always within reach.Chemung
- [dynamic-content-widget-c082b91-1967ef6](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-c082b91-1967ef6/) - Our business credit cards provide flexible purchasing power with the tools you need to stay in control. Easily track purchases, set spending limits, and manage expenses—all with convenience at your fingertips.Chemung Canal Business Card BenefitsMonthly statements that help you track purchasesAbility to set the spending limit on each card24/7 VIP customer serviceFraud protectionContact us to
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- [dynamic-content-widget-ec463b7-303c9fc](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-ec463b7-303c9fc/) - Earn points when you use your Chemung Canal debit card with uChoose Rewards®. How it works: Receive 1,000 bonus points just for enrollingEarn 1 point for every $2 each time you use your card as a credit and sign for your purchasesEarn additional points by shopping at participating retailers in-store or online through uChooseRewards.comRedeem points
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- [dynamic-content-widget-1752e29-df4a440](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-1752e29-df4a440/) - Account Authentication & Online Banking (PDF)Risk Assessment & Layered Security for Online Business Transactions (PDF)
- [dynamic-content-widget-1752e29-c13b4c4](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-1752e29-c13b4c4/) - (Excerpt from the American Bankers Association, aba.com) The increased popularity of Mobile Banking has caught the attention of fraudsters. According to a survey by the ABA, two in five Americans (39%) use a mobile device to manage their bank account at least once per month. ABA suggests following these 12 steps to protect your mobile device:
- [dynamic-content-widget-1752e29-4683d4b](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-1752e29-4683d4b/) - With large-scale data breaches on the rise, it’s more important than ever to protect your identity. Here’s how you can take proactive steps to safeguard your personal information: Monitor Your Credit Reports Check your credit report regularly at AnnualCreditReport.com or call 1-877-322-8228.Federal law allows you to request one free credit report per year from Experian,
- [dynamic-content-widget-1d361a5-ee9af20](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-1d361a5-ee9af20/) - Compatible DevicesVivoactive 3, Forerunner 645, Fenix 5 Plus series, fēnix 5S Plus, fēnix 5 Plus, fēnix 5X Plus Setting up Your Garmin Pay WalletAll set up is done from the Garmin Connect mobile app. If you’ve not done so already, download the app on your smartphone For Additional Information, FAQs and Help Go to:explore.garmin.com/en-US/garmin-pay/
- [dynamic-content-widget-1d361a5-08bdcf0](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-1d361a5-08bdcf0/) - Compatible devicesSamsung Galaxy S6 or higher, Galaxy Note5 Accepted cardsConsumer Debit MasterCard, World Debit MasterCard, Business Debit/Credit cards, VISA Platinum Credit Card ChargesNo fee to use Samsung Pay Difficulty adding cardCall Chemung Canal for assistance at (800) 836-3711 Lost deviceDeactivate/suspend token during business hours or call Chemung Canal at (800) 836-3711 for assistance uChoose RewardsBase
- [dynamic-content-widget-1d361a5-2b39531](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-1d361a5-2b39531/) - RequirementsNFC and HCE enabled Android device running KitKat 4.4+, Google Pay app Accepted cardsConsumer Debit MasterCard, World Debit MasterCard, Business Debit/Credit cards, VISA Platinum Credit Card How to useUnlock the device, hold it near the contactless terminal and receive confirmation Difficulty adding cardCall Chemung Canal for assistance at (800) 836-3711 Lost DeviceDeactivate/suspend token during business
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- [dynamic-content-widget-00f6ff5-4d64be5](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-00f6ff5-4d64be5/) - Always connected. Always in control. GoBanking Online Banking FeaturesTransfer money between your accountsPay your bills online using BillPayEnroll in eStatementsManage your mobile banking devicesSet up real-time account alertsSend and receive money with Zelle®Export your financial informationMake external transfersLive Chat support
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- [dynamic-content-widget-cb39f03-defe2a4](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-cb39f03-defe2a4/) - We send them each month via email, but they will also be archived for easy access within GoBanking online banking. To find them:Log in to GoBankingClick on the account that you would like to retrieve the eStatement forClick the Documents tabSearch the date range (able to review the last 18 months of statement activity)Click ‘Submit’
- [dynamic-content-widget-cb39f03-645aae3](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-cb39f03-645aae3/) - Want to go paperless?Sign up for eStatements! To sign up you must be enrolled in GoBanking. Log in to GoBanking and click on ‘Profile’ in the upper right hand corner of the screen. Note: The eStatement notification will be mailed to the email address found in your Profile.Click on the edit tab next to electronic
- [dynamic-content-widget-cb39f03-35664b7](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-cb39f03-35664b7/) - Check out our click-thru demo for simple instructions!
- [dynamic-content-widget-cb39f03-2c62f96](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-cb39f03-2c62f96/) - Enrolling in GoBanking online banking is easy!Complete the requested information on our Enrollment Page then create login credentials to have access to your accounts 24/7!
- [dynamic-content-widget-cb39f03-8641890](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-cb39f03-8641890/) - Electronic direct deposit, wire transfers and cash are available the same business day. Typically, the funds from checks not drawn on our institution are made available the first business day after the day of deposit. For more information, please see our Availability of Funds Disclosure.
- [dynamic-content-widget-5fd0d796-bb5ddbb](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-5fd0d796-bb5ddbb/) - At Chemung Canal, integrity, accountability, and responsible leadership are at the heart of everything we do. As a strong, independent financial institution, we remain committed to creating value for shareholders, customers, employees, and the communities we serve, while upholding the highest ethical standards. Our Board of Directors is made up of leaders from diverse industries,
- [dynamic-content-widget-edf9bab-18314e6](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-edf9bab-18314e6/) - Internal Leadership ProgramTalent Management PlanningCareer CirclesEmployee Recognition Events Mentorship ProgramContinuing Education and Training ProgramsEmployee Assistance Program
- [dynamic-content-widget-1a7abd4e-eb7e0e2](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-1a7abd4e-eb7e0e2/) - 318 N. Franklin StWatkins Glen, NY 14891Phone: (607) 535-7186Hours of OperationLobby & Drive-Up: Mon – Fri, 9am – 4:00pm Get Driving Directions Contact Us
- [dynamic-content-widget-db191b3-1035e22](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-db191b3-1035e22/) - A Strong Bank is Built on a Strong Team.At Chemung Canal, we believe in creating a culture where employees are empowered to grow, collaborate, and succeed—because when our team thrives, so do our customers and the communities we serve.We believe that having a workforce that reflects the unique communities in which we operate is crucial
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- [dynamic-content-widget-588cc98a-f94ea88](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-588cc98a-f94ea88/)
- [dynamic-content-widget-db191b3-b492f7d](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-db191b3-b492f7d/) - At Chemung Canal, integrity, accountability, and responsible leadership are at the heart of everything we do. As a strong, independent financial institution, we remain committed to creating value for shareholders, customers, employees, and the communities we serve, while upholding the highest ethical standards.Our Board of Directors is made up of leaders from diverse industries, combining
- [dynamic-content-widget-db191b3-19d4d6f](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-db191b3-19d4d6f/) - Internal Leadership ProgramTalent Management PlanningCareer CirclesEmployee Recognition EventsMentorship ProgramContinuing Education and Training ProgramsEmployee Assistance Program
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- [dynamic-content-widget-1cd3e0c-a522e0b](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-1cd3e0c-a522e0b/) - Canal Bank fosters an environment where our employees thrive, because when our team succeeds, so do our customers. Our culture is centered around teamwork, collaboration, and delivering exceptional customer service while upholding respect for all. We also understand the value of a diverse and inclusive workplace. That’s why we actively promote diversity and inclusion in
- [dynamic-content-widget-1cd3e0c-ead7a2a](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-1cd3e0c-ead7a2a/) - Internal Leadership ProgramTalent Management PlanningCareer CirclesEmployee Recognition EventsMentorship ProgramContinuing Education and Training ProgramsEmployee Assistance Program
- [dynamic-content-widget-319e77d6-f94ea88](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-319e77d6-f94ea88/) - 806 W. Buffalo StIthaca, NY 14850Phone: (607) 277-2609Hours of OperationLobby: Mon – Fri, 9am-4:30pmDrive-Up: Mon – Fri, 9am-4:30pm Get Driving Directions Contact Us
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- [dynamic-content-widget-319e77d6-bed2401](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-319e77d6-bed2401/) - 318 N. Franklin StWatkins Glen, NY 14891Phone: (607) 535-7186Hours of OperationLobby: Mon – Fri, 9am – 4:30pmDrive-up: Mon – Fri, 9am – 4:30pm Get Driving Directions Contact Us
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- [dynamic-content-widget-6675f0a-bed2401](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-6675f0a-bed2401/) - 9159 Main Street, Suite 1BPhone: (716) 777-7805Hours of OperationMon – Fri, By Appointment Only. Get Driving Directions Contact Us
- [dynamic-content-widget-3631eb71-bed2401](https://www.chemungcanal.com/elementskit-content/dynamic-content-widget-3631eb71-bed2401/) - 9159 Main Street, Suite 1BPhone: (716) 777-7805Hours of OperationMon – Fri, By Appointment Only. Get Driving Directions Contact Us
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## Categories

- [Uncategorized](https://www.chemungcanal.com/category/uncategorized/)
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- [Business](https://www.chemungcanal.com/category/business/) - Continue browsing our business archives for more tips on commercial lending, cash management, & fraud protection from the team at Chemung Canal Trust Co.
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