Rochester Vital Signs

Everything You Need to Know to Bank Happy

Founded in 1866 and headquartered in DeWitt, NY, Community Bank has a strong branch network throughout New York, northeastern Pennsylvania and New England. Following the Elmira Savings Bank merger, that network will include more than 220 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 has been a Top-Ranked Bank by Forbes¹ for 13 years running.

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For more than 150 years, we’ve helped our customers manage and improve their finances—and improve their lives. Likewise, we’ve served our communities by helping build local businesses, providing good jobs, and giving our time and support to local charities. We believe in being a good neighbor and a good financial partner. Headquartered in DeWitt, NY, Community Bank has a branch network that extends throughout New York, northeastern Pennsylvania and New England. After this merger, that network will include more than 220 locations. Our Bank Happy philosophy is at the core of everything we do, and it’s earned us national recognition for our friendly, customer-focused approach to banking. In 2021, Community Bank was ranked 7th in the nation by Forbes Magazine, based on its financial performance

Branch hours will remain the same after the merger. Please see the Welcome Kit mailed to you for early closings during the 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 re-order. 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.

If you use Elmira Savings Bank online banking, your services will be converted to either Community Bank Online Banking or Premier Business Connect. You’ll receive a separate letter about your online banking services prior to the conversion. See page 9 of your Welcome Kit for additional details.

If you currently use Elmira Savings Bank mobile banking, you’ll need to re-establish it with Community Bank. Simply activate your account by logging into our online banking any time after the conversion, then download our mobile app for iPhone or Android smartphones (CBNA Mobile Banking). If your online banking is converting to Community Bank online banking, mobile banking and mobile deposit are free with your Community Bank account. If your online banking is converting to Premier Business Connect, please speak with your local branch representative after the conversion for more information about mobile deposit. If you’d like to begin using mobile banking, simply download our mobile app for iPhone or Android smartphones any time after the conversion.

If you'd like to use Community Bank's Telephone Banking, simply call 800-991-4280 anytime after the merger. You'll be asked to enter the last four digits of your tax ID or SSN and your account number as identification, then select a secure PIN.

Please see the product sections of your booklet for details on your statement(s). Elmira Savings Bank will mail a final printed statement for all accounts through the merger date. If you have a combined statement for your overdraft line of credit, your overdraft activity will be provided on a separate statement and will no longer be combined with your checking account. Please note: If you are enrolled in Elmira Savings Bank eStatements, your past eStatements will not be converted and you are encouraged to download and save your most recent statement(s) prior to conversion weekend. At their first online banking login, primary account holders will be prompted to re-enroll for eStatements, which are available free through Community Bank online banking.

You’ll receive a new Visa® Debit Card and personal identification number (PIN) in separate mailings before the merger. You can activate your card through telephone banking, online banking, mobile banking or with a PIN-based transaction. You can also change your PIN when you activate your new card at any Community Bank ATM or through telephone banking after the merger. Please see the enclosed letter for more details on your new Visa Debit Card. After the merger, your transactions at ATMs in the Allpoint network will no longer be surcharge-free; however, you can get cash and make transactions at any of Community Bank’s 265 ATMs across four states with no surcharge.

If you currently have Dynamic Transfer or an overdraft sweep or line of credit that protects your checking account from overdrafts, it will be automatically converted and continue uninterrupted.

Community Bank offers both Automated and Non-Automated Overdraft Protection Programs to our customers. These programs differ from those offered by Elmira Savings Bank. Please read pages 15-21 of your disclosure booklet 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 currently have deposits that have the same ownership title(s) at both Elmira Savings Bank and Community Bank, 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 see page 8 of your booklet for details on FDIC insurance for Certificates of Deposit (CDs).

Night deposit services will continue without interruption through the merger weekend and after the branches are converted to Community Bank, unless you’re otherwise notified.

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

Outgoing wire transfers can be initiated by visiting your local Community Bank branch.

The Community Bank availability of funds policy may differ from Elmira Savings Bank. Please see the your disclosure booklet for details.

Questions? Call 866-764-8638 or visit our website


Better banking starts with trust—and we’re honored to be recognized for it.

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