Chemung Canal Trust Company, also known as Chemung Canal Bank, is affiliated with Capital Bank and they belong to a larger group of independent community banking and financial services companies which operate under separate names and brands. Highlights of the variety of banking branches some of these companies offer are as illustrated below:
Products and Services
- For Individuals
- Checking: varied types, ranging from interest-bearing to no-fee, as well as rewards checking.
Savings Accounts: Savings—both regular and high-yield—and CDs at competitive interest rates. Loans: Personal, auto, home equity, and mortgage loans. Credit Cards: A variety of cards with various rewards packages and benefits. - Online & Mobile Banking: The account management, bill pay, transfers, and mobile deposits they would make available through either their app or website.
- Business Banking
- Business Checking & Savings Accounts: This would be ideally tailored for the small through medium-sized business entities that also present offerings designed for the effective management of cash flows and earning interest.
- Business Loans: This would include the offerings of term loans, lines of credit, equipment financing, and commercial real estate loans.
Merchant Services: Business payment solutions, including point-of-sale systems and eCommerce solutions.
**Treasury Management: ** Services that optimizes cash flow, payroll management, tools against fraud.
3.** Investment Services:**
**Wealth Management: ** Sound investment advice for both individual and business needs, and portfolio management.
**Retirement Accounts: ** Individual Retirement Accounts (IRAs), other Retirement Planning Services.
4.** Miscellaneous Services: ** - Safe Deposit Boxes: For the storage of valuable items and important documents.
- Notary Services: Help when documents need to be notarized.
- Financial Education: The bank offers resources around budgeting, investing, and financial planning.
Features
- Community: Chemung Canal Trust Company and Capital Bank both serve the community, and they are often seen at community events.
- Personal Service: They generally offer a great deal of personal service since the local branches are offering services and answers geared specifically for people within that community.
- Competitive Rates: Generally provides competitive interest rates on deposits and loans, which are set according to the rates of a specific local market.
- Comprehensive Services: They have everything from personal and business banking to investment products and wealth management.
So, their investment also falls on modern banking technologies that will assure customers the convenience felt from online and mobile banking platforms.
How to Get Started
- Visit Their Website: Log in to their respective websites for further details on account options, loan products, and all services.
- Contact with Customer Service: One can always reach out to their effective customer service through direct queries and advisories.
- Visit a Branch: Stop into the branch to speak with a representative, ask questions about their services, open accounts and for other services.
Added Information
- Chemung Canal Trust Company: – 1833, one of a New York State’s oldest banks, good reputation for involvement in the community, offers a complete line good products and services.
Capital Bank: Often associated with a range of financial services and may operate under various names or brands due to regional mergers and acquisitions.
Both institutions work towards offering modern financial solutions and remain deeply committed to their communities; a blend of traditional banking values and contemporary financial services.
