fpo

We take banking personally.

For more than 150 years, we’ve put our customers first. It’s how we do business and it’s what sets us apart. Our people genuinely care about their neighbors, and that shapes every decision we make, from supporting local causes to helping businesses and families succeed. Our checking and savings accounts, credit cards, mortgages, personal and business loans, and financial planning help people reach their goals and live their dreams. Banking should be personal. Stop in and we’ll show you why that makes all the difference.

Loans
Apply for a personal loan online.

We’ll help you find a loan that suits your budget and plans, with flexible terms and convenient payment options.

Personal Banking
Open a direct-deposit account online today.

Can’t make it to a branch? No problem.

Welcome to Carefree Checking℠
Opening an account online has never been easier
Open a Deposit Account Online Today
arrow_link

Our Community

Peaceful Valley 1200x900

Compassion & Expertise Combine to Help Small Business in a Time of …

Losing a loved one isn’t easy. But when that loved one runs the finances of your small business, it can be overwhelming. That’s when a little extra assistance can go a long way.

Read More
VT Fin Lit 1200x900

Immense Value in Teaching Kids About Money

Kindergartners at Richmond Elementary School are having fun learning the value of pennies, nickels, dimes and quarters. But the true value of financial literacy is much greater.

Read More
Loka 1200x900

One-to-One Customer Service Sets Tea Shop Up for Success

Loka Leaf Tea Lounge in Cazenovia, NY, has earned a place in the community by making each person feel important. So, we’re happy to return the favor.

Read More
Elmire 1200x900

Small Business in Elmira Heights is at the Forefront of Glass for …

A family-owned business isn’t all that surprising in a small town like Elmira Heights, NY. But one that develops some of the most advanced technical glass in the world?

Read More
Warm Up To Winter

Warm Up to Winter with These Hot Spots

While there are many more out there, here’s a list of a few popular places—all just a short drive away—that give us the warm-and-fuzzies this season.

Read More
Women Painting Fence

8 Inexpensive Ways to Make an Impact in Your Community

Good-hearted people often struggle with the practical side of giving—the cost. But you don’t need a lot of money to make a big difference.

Read More
hamburger_x
location
Enter your address
GO
Locations near ${locationSelectionSearchedAddress}
${item.address.street1}
${item.address.city}, ${item.address.state} ${item.address.zip}${item.phone}
Select

No locations found. Please enter a specific address.

See more locations and details
hamburger_x