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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 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.

The merger of Elmira Savings Bank and Community Bank will be completed over the course of a weekend, when all accounts will be converted to Community Bank accounts. This is what’s referred to in our Welcome Kit as “the conversion.”

Branch hours will remain the same after the merger. Please see the enclosed letter for early closings during conversion weekend and see page 15 in your Welcome Kit for additional branch details.

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’ll need to provide your check vendor with our routing and transit number: 021307559.

Personal online banking and bill-pay services are free with all Community Bank checking accounts. Please see page 8 of your Welcome Kit for details. If you already have these services with Elmira Savings Bank, you’ll receive a separate letter with more information.

Mobile banking and mobile deposit are free with every Community Bank account. If you currently use Elmira Savings Bank mobile banking, you will need to re-establish it with Community Bank. Simply activate your account by logging into our online banking anytime after the conversion, then download our mobile app (CBNA Mobile Banking) for iPhone or Android smartphones. If you’d like to begin using mobile banking, simply download our mobile app (CBNA Mobile Banking) for iPhone or Android smartphones anytime after the conversion.

If you’d like to use Community Bank’s telephone banking, simply call 800-991-4280 anytime after the conversion. You’ll be asked to enter the last four digits of your Social Security number and your account number as identification, and then you’ll select a secure PIN.

Please see the product sections of this 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 currently receive eStatements, your past eStatements will not be converted. Be sure to download and save your most recent statement(s) just prior to conversion weekend. You’ll be prompted to reenroll for eStatements the first time you log in. eStatements are free through Community Bank online banking.

The Community Bank availability-of-funds policy may differ from Elmira Savings Bank. Please see the Disclosure Booklet that was sent to you for details.

You’ll receive a new Visa® Debit Card to replace your existing Elmira Savings Bank Debit Mastercard®. Your new card and personal identification number (PIN) will arrive 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 letter that was sent to you 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. Our online banking and mobile banking app offers debit card management features previously provided by the SecureLock Equip app offered by Elmira Savings Bank. You can easily reestablish your debit card security features following the merger.

If your payroll, government or other check is deposited directly into your account, this service will continue without interruption.

If you have automatic payments currently set up to process, they’ll continue without interruption unless you're otherwise notified. If you’d like to establish new automatic payments after the merger, be sure to provide our routing and transit number: 021307559. If you have payments scheduled with your debit card, please be sure to contact the vendor to provide your new debit card number. After the conversion, you’ll be able to make external transfers through online banking, so you can conveniently move money into accounts at another bank or send money to a family member or friend.

If you currently have Dynamic Transfer or an overdraft protection 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 the Disclosure Booklet that was sent to you for more information.

Please see page 10 of the booklet that was sent to you for details on how your loan or line of credit will be converted and making payments after the merger.

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 9 of the booklet that was sent to you 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 unless you are otherwise notified.

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

Questions? Call 866-764-8638 or visit cbna.com.


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

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