Everything You Need to Know to Bank Happy

Founded in 1866 and headquartered in DeWitt, NY, Community Bank, N.A. has a strong branch network throughout New York, northeastern Pennsylvania and New England. Following the Kinderhook Bank merger, that network will include more than 235 locations. It’s our genuine privilege to serve the small towns and communities that have helped us become nationally recognized for our financial strength. Community Bank, N.A. has been ranked among the 15 best banks in America by Forbes magazine for the past eight years running and was most recently ranked 3rd in 2018. Below, you’ll find answers to some common questions to help you Bank Happy.

Questions about ...

There will be no change to your normal branch hours. Please see the welcome booklet mailed to you for early closings during conversion weekend.

Your account number(s) will remain the same unless you are otherwise notified.

You can continue to use your existing supply of checks until you're ready to reorder. If you do not order your checks through our check provider (Deluxe) and order your checks after the merger, you will need to provide your check vendor with our routing and transit number: 021307559.

Please click here for complete details and login instructions after the merger.

Mobile banking and mobile deposit are FREE with every Community Bank, N.A. account. If you use Kinderhook Bank mobile banking, you will need to reestablish it with Community Bank, N.A. Simply activate your account by logging into online banking anytime after the merger, then download our mobile app for iPhone or Android smartphones.

If you use telephone banking, you will need to reestablish it with Community Bank, N.A. anytime after the merger. Simply call 1-800-991-4280. You'll be asked to enter the last four digits of your Social Security number and your account number as identification, then select a secure PIN.

Please see the product sections of the welcome booklet for details on your statement(s). Kinderhook Bank will provide a final statement listing all activity through the merger date. Free eStatements are available through Community Bank, N.A. online banking. Primary account holders will be prompted to re-enroll at your first online banking login. If you are enrolled in Kinderhook Bank eStatements, please note that your past eStatements/history will not be converted. We encourage you to download and save your most recent statement(s) just prior to conversion weekend.

You will receive a new debit card and personal identification number (PIN) in separate mailings prior to the merger. You can change your PIN when you activate your new card at any Community Bank, N.A. ATM or through telephone banking after the merger. Your debit card can be activated beginning July 15, 2019.

The Community Bank, N.A. availability of funds policy may differ from Kinderhook Bank. Please see the disclosure booklet that was mailed to you for details.

If you currently have an overdraft sweep or overdraft line of credit that protects your checking account from overdrafts, it will be automatically converted and will continue uninterrupted. If you have an overdraft line of credit, your overdraft activity will be provided on a separate statement and will no longer be combined with your checking account statement. Please see the disclosure booklet that was mailed to you for applicable terms and conditions.

Community Bank, N.A. offers automated and non-automated overdraft protection programs to our customers. These programs differ from those offered by Kinderhook Bank. Please see pages 12-15 of the disclosure booklet that was mailed to you for more information.

If you use cash management services, you will receive a letter detailing how all of these services will be converted. Our full suite of cash management services includes cash and loan sweeps, automated clearing house (ACH) services, lockbox, remote deposit capture, account reconciliation, zero-balance accounts, positive pay fraud protection and online wire transfers.

Your deposits will continue to be FDIC insured up to the maximum amount allowed by law. If you have deposits with the same ownership title(s) at both Kinderhook Bank and Community Bank, N.A., your deposits will continue to be insured separately for a period of six months after the merger. After that, those deposit amounts will be combined to determine the amount of your FDIC coverage. Please click here for details on FDIC insurance for certificates of deposit (CDs).

If you have a safe deposit box, your box will remain at its current location.

Incoming and outgoing wire transfers can be initiated by visiting your local Community Bank, N.A. branch.

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