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Deposit Products

We have been your community bank since 1839 and we take great pride in offering professional services with a personal touch. Please call our customer service representatives any time at (607)-746-0720 if you have any questions or concerns

We Provide the following Deposit Products:

Checking Products

  • Personal Checking
    • $25 minimum opening deposit required
    • Unlimited check writing privileges
    • No statement fees or per check fees
  • Business Checking
    • $25 minimum opening deposit required
    • Unlimited check writing privileges
    • No statement fees or per check fees
  • NOW Account
  • Health Savings Accounts (HSA)

Free Checks for All Accounts

All of our checking accounts are eligible for free checks. We offer two styles of personal checks to choose from, and both are available in regular or duplicate format. For our business customers, we offer a binder style check available in regular or duplicate format, as well as a laser style check.

All checks are made in-house and are usually available for pick-up by the next day. We can ship them to your address, however a shipping fee does apply.

Savings Accounts (try our Deposit Calculator)

  • Insured Money Market Deposit
  • Statement Savings Account
  • Passbook Savings
  • Christmas Club
  • Tax Club
  • Energy Savers Club
  • Certificate of Deposit / IRA  

ATM/Debit Cards

All of our Checking Accounts, including Health Savings Accounts, are eligible for an ATM or Debit Card. For our Business Customers, we offer a Business Debit Card. An ATM card can also be issued for any Statement Savings Account.

There is no fee for Cash withdrawals at ATMs we own; $1 per transaction at foreign ATMs and on Point of Sale purchases.

Certificates of Deposit and Individual Retirement Accounts

  • From 3 months to 5 years, maturities are available at competitive rates
  • $100 minimum deposit required
  • No account Fee
  • Early withdrawal penalty may apply
  • May receive interest by check, transfer to DNB account, or reinvest

Electronic Banking

Other Services

  • Amortization Schedules Prepared
  • Automatic Clearing House (ACH) transfers
  • Automatic Transfers and Payments
  • Bank-by-Mail
  • Coin Counting
  • Direct Deposit of Social Security and Other Pensions
  • Redemption of EE and I Bonds
  • Fax Services
  • Foreign Currency and Drafts
  • Free Night Depository
  • Notary Public Services
  • Personal Money Orders
  • Receiver of Margaretville Telephone and Margaretville Cable Payments
  • Rolled Coin
  • Safe Deposit Boxes (4 Sizes)*
  • Visa / MasterCard merchant accounts
  • Wire Transfers

*Please Note: Contents of Safe Deposit Boxes are not FDIC insured



All funds in a “noninterest-bearing transaction account”  are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000.00 available to depositors under the FDIC’s general deposit insurance rules. The term “non-interest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other interest-bearing accounts, such as NOW and Money Market accounts.




Member of the Federal Deposit Insurance Corporation and an Equal Housing Lender
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