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# Capital Bank

Capital Bank

## Sitemaps

- [XML Sitemap](https://www.capitalbank.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Blog](https://www.capitalbank.com/blog/)
- [CD vs. Money Market Account: Which One Fits Your Savings Goals?](https://www.capitalbank.com/cd-vs-money-market-account-which-one-fits-your-savings-goals/) - CDs and Money Market Accounts both help you earn interest on savings, but they are built for different jobs. A CD is generally for money you can leave alone for a set term. A Money Market Account is for money you want to keep accessible while still earning interest. The best choice depends on your
- [What Is a Money Market Account and Is It Better Than a Savings Account?](https://www.capitalbank.com/what-is-a-money-market-account-and-is-it-better-than-a-savings-account/) - A Money Market Account is a deposit account designed for savers who want to earn interest while keeping access to their funds. It is often used by people who have moved beyond starter savings and want a balance of earning potential and flexibility. It is ideal for customers who want higher earnings than a traditional
- [How CDs Work: A Plain-English Guide to Certificate of Deposit Accounts](https://www.capitalbank.com/how-cds-work-a-plain-english-guide-to-certificate-of-deposit-accounts/) - If you have money you want to grow safely and you know you will not need it right away, a Certificate of Deposit may be worth considering. A CD is a deposit account with a set term and a fixed interest rate for that term. You deposit money for a defined period, leave it in
- [Savings vs CD vs Money Market: Making the Most of Your Savings in 2026](https://www.capitalbank.com/savings-vs-cd-vs-money-market-making-the-most-of-your-savings-in-2026/) - If you've got money sitting in a standard savings account right now, there's a decent chance it's earning less than it could be. That's not a criticism, it's just how most people's finances end up. Life gets busy, rates change, and the account you opened five years ago might not be the best fit for
- [Checking vs Savings Account: Which One Do You Actually Need?](https://www.capitalbank.com/checking-vs-savings-account-which-one-do-you-actually-need/) - If you've ever stared at a bank's website and wondered whether you need a checking account, a savings account, or both, you're not alone. These are two of the most basic financial tools that exist, and yet a lot of people aren't entirely sure how they're different or which one they should have. No judgment
- [What to Do With a Large Sum of Money: Savings, CDs, or Money Market?](https://www.capitalbank.com/what-to-do-with-a-large-sum-of-money-savings-cds-or-money-market/) - Suddenly having a large amount of money can feel surprisingly complicated. Maybe you inherited money after losing someone close to you. Maybe you sold a house after years of paying into it. Maybe you received a bonus or a settlement or a gift that's larger than anything you've held before. Whatever brought you here, the
- [CD vs Money Market vs Savings: Where to Put Your Cash in 2026](https://www.capitalbank.com/cd-vs-money-market-vs-savings-where-to-put-your-cash-in-2026/) - You've got money sitting in a regular savings account earning next to nothing. You know there are better options out there, you've heard the terms: CD, money market, savings. But when you try to figure out which one is right for you, the explanations online feel like they were written for someone with a finance
- [IRA vs 401(k): The Ultimate Comparison for Smarter Retirement Planning (2025 Edition)](https://www.capitalbank.com/ira-vs-401k-the-ultimate-comparison-for-smarter-retirement-planning-2025-edition/) - Compare IRAs and 401(k)s for 2025. Learn key differences in taxes, limits, employer match, and flexibility to plan smarter for retirement with Capital Bank.
- [12 Strategic Drivers: How Business Banking Loans Power Growth at Capital Bank](https://www.capitalbank.com/12-strategic-drivers-how-business-banking-loans-power-growth-at-capital-bank/) - Access to capital remains the lifeblood of business growth. In 2025, strategic borrowing can make the difference between stagnation and expansion. That’s where business banking loans come in. They give companies the runway to evolve, whether through investments, working capital, or infrastructure. At Capital Bank, business lending is more than just credit. It’s a partnership
- [Personal Credit Cards & How to Choose](https://www.capitalbank.com/personal-credit-cards-how-to-choose/) - Managing your credit is essential for your financial health. Understanding how credit scores work and the impact of your credit card choices can significantly influence your borrowing power. Personal banking services provide valuable insights and tailored products to help you navigate this landscape effectively. By mastering responsible credit usage, you can unlock better financial opportunities.
- [CD vs. Savings Account: What’s the Difference?](https://www.capitalbank.com/cd-vs-savings-account-whats-the-difference/) - When considering how to manage your savings, you might find yourself weighing the benefits of a Certificate of Deposit (CD) against those of a traditional savings account. Each option has distinct advantages and disadvantages that can significantly impact your financial strategy. As you analyze interest rates, liquidity, and safety features, you’ll need to determine which
- [Mortgage Loan Types Explained: A Complete Guide to Finding the Right Home Financing Option](https://www.capitalbank.com/mortgage-loan-types-explained-a-complete-guide-to-finding-the-right-home-financing-option/) - INTRODUCTION TO MORTGAGE LOAN TYPES Purchasing a home is one of the most significant financial commitments you'll make in your lifetime. Selecting the right mortgage loan is crucial to ensuring long-term affordability, financial stability, and peace of mind. In this comprehensive guide, we'll explore the different types of mortgage loans available, highlight their advantages and
- [What Is Business Banking and How Can It Help Your Business?](https://www.capitalbank.com/what-is-business-banking-and-how-can-it-help-your-business-2/) - Business banking provides essential financial services tailored to meet your needs. It streamlines operations by separating personal and business finances, enhancing credibility with vendors and clients. You'll benefit from tools for cash management, payment processing, and expense tracking, which improve financial decision-making and cash flow. With the right banking partner, access to credit becomes easier,
- [Online Business Banking with Capital Bank](https://www.capitalbank.com/online-business-banking-with-capital-bank/) - Find out how online business banking gives you 24/7 access to your accounts, allowing you to monitor cash flow, make payments and handle transactions remotely.
- [Signs You're Ready for Your First Mortgage](https://www.capitalbank.com/signs-youre-ready-for-your-first-mortgage/) - Buying your first home is a big step that will affect you for the rest of your life. You do not want to take on a mortgage unprepared. For that reason, we have put together this handy guide to determine if you are ready for your first mortgage.
- [What Is a Home Equity Loan? Everything You Need to Know](https://www.capitalbank.com/what-is-a-home-equity-loan-everything-you-need-to-know/) - A home equity loan allows you to borrow against your home’s value, using it as collateral. There’s much more to explore on the benefits, application process, and comparison with other options.
- [5 Key Benefits of Business Banking for Your Company](https://www.capitalbank.com/5-key-benefits-of-business-banking-for-your-company/) - Discover how business banking helps you manage cash flow, handle payroll, and access loans and credit lines, giving your company the financial tools it needs to grow.
- [The Benefits of Online Business Banking for Managing Finances](https://www.capitalbank.com/the-benefits-of-online-business-banking-for-managing-finances/) - Find out how online business banking gives you 24/7 access to your accounts, allowing you to monitor cash flow, make payments and handle transactions remotely.
- [Grow Your Business with Flexible Business Loan Options ](https://www.capitalbank.com/grow-your-business-with-flexible-business-loan-options/) - Looking for financing to grow your business? Explore business loans with competitive interest rates, tailored repayment terms and quick application processes.
- [Business Banking Services That Help Small Businesses Thrive](https://www.capitalbank.com/business-banking-services-that-help-small-businesses-thrive-2/) - Discover how business banking services, from tailored accounts to business loans, help small businesses manage their finances and prepare for growth.
- [When's the Best Time to Buy a Home? Consider These 4 Factors](https://www.capitalbank.com/whens-the-best-time-to-buy-a-home-consider-these-4-factors/) - If you're checking out the market to buy a home on your own or with your spouse, you may be wondering when is the best time to do so. While there is no one perfect time to seek out mortgaging a home, this guide can provide some insights on the various ideal times you should consider and what factors are at play in the housing market.
- [3 Reasons to Apply for a Business Loan](https://www.capitalbank.com/3-reasons-to-apply-for-a-business-loan/) - If your small business is ready to make some moves in a new direction, let's take a look at how you can benefit from a business loan.
- [What to Know Before Applying for Personal Loans](https://www.capitalbank.com/what-to-know-before-applying-for-personal-loans/) - Are you interested in personal loans? These loans are a type of unsecured debt that you can use for various needs.
- [What Soon-To-Be Homeowners Should Know About Mortgaging](https://www.capitalbank.com/what-soon-to-be-homeowners-should-know-about-mortgaging/) - You might ask what mortgaging is, whether it is advisable, and how you go about it. If you are a soon-to-be homeowner, here are some things you may want to know about mortgages.
- [How to Overcome Obstacles When Getting Loans for Businesses](https://www.capitalbank.com/how-to-overcome-obstacles-when-getting-loans-for-businesses/) - It might be disheartening when a lender rejects your application for a small business loan, but you’re not alone—many small businesses face this challenge. There are various reasons why lenders might reject a small business loan application, including concerns about credit history, insufficient collateral, or unmet interest rates.
- [Questions to Ask When Buying a Home as a Young Adult](https://www.capitalbank.com/questions-to-ask-when-buying-a-home-as-a-young-adult/) - By understanding loan types, interest rates, and other key financial details, you can make an informed decision that sets you up for success in your homeownership journey.
- [How Mortgage Rates Have Changed Over Time](https://www.capitalbank.com/how-mortgage-rates-have-changed-over-time/) - Are you curious about how mortgage rates have changed over time? The article will take a look at how mortgage rates have evolved over the years and what factors have contributed to these changes.
- [What Is a CD Account](https://www.capitalbank.com/what-is-a-cd-account/) - If you’re looking for a way to grow your savings, a Certificate of Deposit (CD) account might be worth considering. These accounts can offer higher interest rates than regular savings accounts, which can boost your earnings over time.
- [7 of the Most Common Reasons to Get a Business Loan](https://www.capitalbank.com/7-of-the-most-common-reasons-to-get-a-business-loan/) - Before taking out a business loan, it is crucial to understand the different reasons why people take out business loans.
- [Questions You’ll Have for a Business Loan Service](https://www.capitalbank.com/questions-youll-have-for-a-business-loan-service/) - According to Fundera, about 29% of small businesses fail because of a lack of capital. If your business is having money problems, one of the ways to get some relief is to get a business loan.
- [10 Expert Tips for Managing Your Home Mortgage](https://www.capitalbank.com/10-expert-tips-for-managing-your-home-mortgage/) - Buying a home is an exciting time for most Americans. After all, your home is where you'll live and raise a family, but it's also a major investment.
- [Is a HELOC a Good Idea for You?](https://www.capitalbank.com/is-a-heloc-a-good-idea-for-you/) - If you're considering a Home Equity Line of Credit (HELOC), it's crucial to evaluate whether it aligns with your financial goals. A HELOC offers flexibility for various expenses, but it also comes with potential risks like fluctuating interest rates. Understanding both the benefits and drawbacks can help you make an informed decision.
- [10 Statistics to Know When Taking Out Business Loans](https://www.capitalbank.com/10-statistics-to-know-when-taking-out-business-loans/) - If you're interested in taking out business loans, it's important to know several statistics that can affect your potential borrowing power. For example, according to Fundera, a leading online publication on loans and banking, 29% of small businesses like yours will fail when they run out of capital. A strong loan can prevent that problem, but obtaining this loan type can seriously impact your bottom line for a long time.
- [10 Ways to Improve Your Mortgage Eligibility](https://www.capitalbank.com/10-ways-to-improve-your-mortgage-eligibility/) - Are you in the market for a new home but struggling to qualify for a mortgage? You're not alone. According to Forbes, about 63% of homeowners have mortgages. Many individuals face barriers when it comes to securing financing for their dream homes. However, there are steps you can take to improve your mortgage eligibility and increase your chances of approval. From improving your credit score to reducing your debt-to-income ratio, there are a variety of strategies that can make a significant impact.
- [Need New Assets? Here's How to Best Utilize Business Loan Services](https://www.capitalbank.com/need-new-assets-heres-how-to-best-utilize-business-loan-services/) - Unless your company already has an abundant cash supply, you may need to consider business loan services. Venture capital is available for companies at a certain level, but a very tiny fracture of applicants get that type of funding. However, a business loan is way more accessible regardless of whether you're a start-up or an established business. According to Fundera, 56% of small businesses apply for funding to expand their business, pursue a new opportunity, or acquire business assets. If you're considering a business loan or have already been approved for one, here are some ways you could best utilize it.

## Pages

- [Front Page__Rotating Banner-home](https://www.capitalbank.com/) - Capital Bank the oldest locally owned and managed community bank in New York, blending tradition with innovation.
- [Business Checking](https://www.capitalbank.com/business-checking/) - Business Checking FINANCIAL SOLUTIONS BUILT FOR WHERE YOU ARE — And Where You Are Going. At Capital Bank, we understand that every business is different. From unique goals to evolving challenges, your financial needs are unlike anyone else’s. That’s why we offer financial tools tailored to meet you exactly where you are today. Whether you’re
- [Auto Loans](https://www.capitalbank.com/auto-loans/) - Auto Loans The Right Loan FOR THE ROAD AHEAD Buying a car, truck, or recreational vehicle is an exciting step—but figuring out financing doesn’t have to be overwhelming. At Capital Bank, our local lenders are here to help you secure the right loan for the vehicle that fits your life. Whether you’re looking for a
- [SavvyMoney](https://www.capitalbank.com/savvymoney/) - SavvyMoney Free credit monitoring. Anytime, Anywhere. Credit Insights by SavvyMoney is a free credit monitoring tool easily accessed through Web Banking or our Mobile App. With one powerful tool, you can access your credit score, get a full credit report, and get personalized financial tips and insights. All without impacting your credit score. Benefits Daily
- [CDs and IRAs](https://www.capitalbank.com/cds-and-iras/) - CDs and IRAs Smarter Savings Options for Long-Term Growth Looking for a safe, reliable way to grow your savings? CDs and IRAs offer competitive interest rates and long-term stability, making them great options for building financial security. Whether you’re planning for retirement or want a low-risk investment, we have a range of options to fit
- [HELOC Special](https://www.capitalbank.com/heloc-special/) - HELOC Special READY. SET. REMODEL. Your Home Can Help Support What's Next. Whether you’re improving your space, planning for college, taking a trip, or simply making life a little easier, a HELOC offers flexible financing designed around your goals. A HELOC gives you flexible, affordable access to cash for home improvements, debt consolidation, or major
- [Personal Savings](https://www.capitalbank.com/personal-savings/) - Personal Savings A Smarter Way to Save For the Future Take control of your finances with a Capital Bank personal savings account. Whether you’re saving for a rainy day, a big purchase, or the future, we offer a variety of accounts to help you reach your goals. With competitive interest rates, automatic transfers, and expert
- [Special Offer](https://www.capitalbank.com/special-offer/) - Capital to Keep You Moving YOUR BUSINESS ISN'T STANDING STILL. Your financing shouldn’t either. At Capital Bank, we take a more personal approach to business financing because no two businesses move the same way. Whether you’re managing day-to-day cash flow or planning for what’s next, having the right capital in place makes all the difference.
- [Property Management & Landlords](https://www.capitalbank.com/property-management-landlords/) - Property Management & Landlords Simplify Property Finances In One Place Property finance can be complex and fast-paced. We help you keep operating funds, deposits, and growth plans organized with tools designed to save time and support compliance. Elevate Your Financial Management with Capital Bank Open and manage security deposit accounts more efficientlyTrack funds cleanly across
- [Banking Login](https://www.capitalbank.com/banking-login/) - Log In to Additional Banking Services BusinessCredit Card Login Manage your account online Log In PersonalCredit Card Login Manage your account online Log In RetirementPlanLogin Manage your account online Log In WealthManagement Account Login Manage your account online Log In MerchantServices Account Manage your account online Log In PayMy Loan Online Manage your account online
- [Investment Outlook](https://www.capitalbank.com/investment-outlook/) - Investment Outlook Investment Insight from the Financial Services Team Our Investment Insight articles are available to read.Simply click to download each PDF. 2026 Second Quarter Outlook 2026 First Quarter Outlook 2025 Fourth Quarter Outlook 2025 Third Quarter Outlook 2025 Second Quarter Outlook 2025 First Quarter Outlook 2024 Fourth Quarter Outlook 2024 Third Quarter Outlook 2024
- [Law Firms](https://www.capitalbank.com/law-firms/) - Law Firms Private-Bank Level Support For Your Practice In a sea of look-alike banks, Capital Bank is built for businesses that want things handled the right way. We combine modern tools with a highly personal relationship and real expertise in managing client funds so your firm stays efficient and confidently compliant, without extra hassle. We’ll
- [Municipalities](https://www.capitalbank.com/municipalities/) - Municipalities MANAGEABLE Reporting and Cash Flow Municipal finance requires transparency, precision, and a partner who understands the stakes. Capital Bank brings steady support and modern tools to simplify daily workflows. Elevate Your Financial Management Streamline collections and paymentsImprove reporting clarity across fundsReduce manual steps and branch visits Financial Solutions for Municipalities Operating AccountsPositive Pay Services:
- [EscrowEdge](https://www.capitalbank.com/escrowedge/) - EscrowEdge INTRODUCING EscrowEdge A Secure Digital Platform for Managing Client Accounts EscrowEdge helps you manage client accounts by providing secure online access and streamlined account management.Strong reporting and record keeping supportBuilt with compliance in mind for client fund handlingNo account opening paperwork: Create digital accounts for any department in minutesDetailed Reporting: Generate compliance reports within
- [CRA Public Files](https://www.capitalbank.com/cra-public-files/) - CRA Public Files Chemung Canal Trust Company is pleased to provide information for public inspection under the Community Reinvestment Act (CRA). By providing this information online, Capital Bank can keep it current with convenient access.In compliance with CRA requirements, the following information must be maintained in the public file, current as of April 1 of
- [Rates - Auto Loan](https://www.capitalbank.com/rates-auto-loan/) - Current Rates Auto Loan Rates from Capital Bank Rates as of July 7, 2026 New 2023-21 2020 2019 2018 2017-15 2014-Older New Auto Loan Rates Credit Score*TermInterest RateAPR** 740 & Above0 to 48 Months - 0% Down Payment6.75%6.75%740 & Above49 to 60 Months - 0% Down Payment7.00%7.00%740 & Above61 to 72 Months - 0% Down
- [Personal Loans](https://www.capitalbank.com/personal-loans-2/) - Personal Loans Personal Loans To fit your needs Whether you're making a big purchase, tackling a home project, or consolidating debt, our personal loans offer flexible options to help you reach your goals. We offer both secured and unsecured loans, with borrowing amounts, interest rates, and APR determined by factors like your credit score.Once approved,
- [Careers](https://www.capitalbank.com/career/) - Capital Bank Careers Grow with us Succeed With Us At Capital Bank, we are committed to building a team of talented professionals who are passionate about customer service and dedicated to building lasting relationships. Our team is what sets us apart, and what helps shape our community every single day. We take pride in a
- [Checking](https://www.capitalbank.com/checking/) - Personal Checking Spend and Save Your Way At Capital Bank, we know that everyone manages their money differently. That’s why we offer you the choice of personal checking accounts designed to match what you need. Whether you’re looking for a simple, no-fee account or one that earns interest, we’ll help you find the right one—so
- [Rates - Home Equity](https://www.capitalbank.com/rates-home-equity/) - Current Rates Home Equity Interest Rates from Capital Bank Rates as of July 7, 2026 Monthly fixed-rate 1st lien Monthly fixed-rate 2nd lien Bi-Weekly Fixed Rate 1st lien Bi-Weekly Fixed Rate 2nd lien Adjustable rate line of credit Monthly Fixed-Rate Loans 1st Lien LTV 1st Lien Term (Years) 80% LTV (1st Lien) Interest RateAPR*90% LTV
- [Mortgage](https://www.capitalbank.com/mortgage/) - Mortgages THE RIGHT MORTGAGE To Take You Home Buying a home is a big step, and at Capital Bank, we’re here to help make it easier. With competitive rates, personalized service, and local decision-making, we’ll guide you through the process to find the mortgage that fits your needs. Need Help Crunching the Numbers? Check out
- [Rates](https://www.capitalbank.com/rates/) - Current Rates Save More with Specials from Capital Bank Rates as of July 7, 2026 Stop by our branch or call us at 800-836-3711 to open your account today! CD - 3.55% APY* for 6 months CD - 3.25% APY* for 15 months For a limited time, take advantage of our special offers: Interest checking
- [CD Specials](https://www.capitalbank.com/cd-specials/) - CD Specials CD Specials Take advantage of our other CD special offers 3.55% APY* For 6 months 3.25% APy* For 15 months Apply Today *APY = Annual Percentage Yield. Minimum deposit to open is $1,000. Account balance may not exceed $1,000,000 with the exception of future interest payments. Offer valid for personal and nonprofit clients
- [Ryan E. Weinhoffer](https://www.capitalbank.com/team/ryan-e-weinhoffer/) - Ryan E. Weinhoffer, CFA Portfolio Manager Ryan E. Weinhoffer joined Chemung Canal Trust Company in June of 2023 as an Assistant Portfolio Manager. He was promoted to Portfolio Manager in June of 2024. Ryan has passed all 3 levels of the CFA Program. He is a graduate of Susquehanna University, where he majored in finance
- [Team](https://www.capitalbank.com/team/) - Our Team The Capital Bank Team: Wealth Management, Personalized for You Your financial goals are unique, and so is the service we provide. At Capital Bank, we tailor our approach to match your needs—whether you're looking for specific financial guidance or a more hands-on, concierge-style wealth management experience. Our team is committed to helping you
- [Shelby M. Fay, CFA, CFP®](https://www.capitalbank.com/team/shelby-m-fay/) - Shelby M. Fay, CFA, CFP® Senior Vice President / Chief Investment Officer Shelby M. Fay was promoted to Chief Investment Officer in January of 2026. Shelby joined Chemung Canal Trust Company in the summer of 2015 and has held several positions within the Investment Services Department. Shelby has obtained both the Chartered Financial Analyst (CFA)
- [Joseph J. Tascone](https://www.capitalbank.com/team/joseph-j-tascone/) - Joseph J. Tascone Sr. Vice President / Sr. Investment Officer Joseph Tascone returned to Chemung Canal Trust Company in September 2015 as the Investment Services Department Manager and Senior Investment Officer of the Wealth Management Group. He previously served in that same position at CCTC from 1987 to 1999. Joseph has more than 40 years
- [Sara Soprano](https://www.capitalbank.com/team/sara-soprano/) - Sara Soprano, QKA®, QKS™ Asst. Vice President / Senior Retirement Plan Manager Sara Soprano joined Chemung Canal Trust Company in 2014 and in 2015 she took on the role of a Recordkeeper in the Retirement Service Group. Sara currently is a Senior Retirement Services Plan Manager and responsibilities include managing and delivering our suite of
- [Austin Farrell](https://www.capitalbank.com/team/austin-farrell/) - Austin Farrell, CTFA Asst. Vice President / Relationship Manager Austin Farrell joined Chemung Canal Trust Company in March of 2017. He brings over 10 years of experience in the financial services industry and has served in several capacities within the bank. Austin was originally hired as a Branch Manager I in our Corning office and
- [Locations & Hours](https://www.capitalbank.com/locations/) - Locations & Hours Find a Location Search Location Distance Range Radius: Km Status Loading... Number Of Shops: 0 PRINT × Store Direction GET DIRECTIONS × From: To: Km Miles GET DIRECTIONS Use my location to find the closest Service Provider near me × USE LOCATION Description × Capital Region Western New York Southern New York
- [1365 New Scotland Rd. • Slingerlands, NY ​​](https://www.capitalbank.com/locations/1365-new-scotland-rd-slingerlands-ny/) - Capital Bank • 1365 New Scotland Rd. • Slingerlands, NY ContactCapital BankAddress: 1365 New Scotland Rd.Slingerlands, NY 12159Phone:(518) 694-5620 HoursLobby & Drive-Up: Mon – Fri, 9:30am – 4:30pm Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services ATM
- [2 Rush St. • Schenectady, NY ​​](https://www.capitalbank.com/locations/2-rush-st-schenectady-ny/) - Capital Bank • 2 Rush St. • Schenectady, NY ContactCapital BankAddress: 2 Rush St.Schenectady, NY 12305Phone:(518) 579-2478 HoursLobby & Drive-Up: Mon – Fri, 9:30am – 4:30pm Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services ATM Make an
- [3057 Route 50 • Saratoga Springs, NY ​​](https://www.capitalbank.com/locations/3057-route-50-saratoga-springs-ny/) - Capital Bank • 3057 Route 50 • Saratoga Springs, NY ContactCapital BankAddress: 3057 Route 50Saratoga Springs, NY 12866Phone: (518) 430-2832 HoursLobby & Drive-Up: Mon – Fri, 9:30am – 4:30pm Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services
- [581 New Loudon Rd. • Latham, NY ​​](https://www.capitalbank.com/locations/581-new-loudon-rd-latham-ny/) - Capital Bank • 581 New Loudon Rd.​ ContactCapital BankAddress: 581 New Loudon Rd.Latham, NY 12110Phone: (518) 694-3670 HoursLobby & Drive-Up: Mon – Fri, 9am – 4:00pm, Sat, 9am – Noon Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional
- [25 Park Ave • Clifton Park, NY ​​](https://www.capitalbank.com/locations/25-park-ave-clifton-park-ny/) - Capital Bank • 25 Park Ave • Clifton Park, NY ​ ContactCapital BankAddress: 25 Park AveClifton Park, NY 12065Phone: (518) 579-2080 HoursLobby: Mon – Fri, 9:30am – 4:30pm Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services ATM
- [65 Wolf Rd • Albany, NY ​​](https://www.capitalbank.com/locations/65-wolf-rd-albany-ny/) - Capital Bank • 65 Wolf Rd• Albany, NY ​ ContactCapital BankAddress: 65 Wolf Rd, Ste. 107Albany, NY 12205Phone: (518) 438-0046 HoursLobby & Drive-Up: Mon – Fri, 9am – 4:00pm Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services
- [132 State St • Albany, NY](https://www.capitalbank.com/locations/132-state-st-albany-ny/) - Capital Bank • 132 State St • Albany, NY ​ ContactCapital BankAddress: 132 State StAlbany, NY 12207Phone: (518) 434-1212 HoursLobby: Mon – Fri, 9:30am – 4:30pm Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services ATM Make an
- [Kristina Vaselewski](https://www.capitalbank.com/team/kristina-vaselewski/) - Kristina W. Vaselewski Vice President / Prestige Relationship Manager Kristina W. Vaselewski joined Capital Bank in November 2022 as Prestige Relationship Manager in the bank’s Capital District. Ms. Vaselewski was most recently Vice President and Relationship Manager with Key Private Bank and has had more than 25 years in the financial services industry. Prior to Key
- [Julie Wolak](https://www.capitalbank.com/team/julie-wolak/) - Julie Wolak, QPA, QKC, QKA®, TGPC Senior Retirement Plan Manager Julie Wolak joined Chemung Canal Trust Company in 2023 as a Sr. Retirement Plan Manager. Julie is responsible for managing and delivering our suite of administration, consulting, and compliance services to our retirement plan clients. She has over 15 years of experience in the retirement
- [Line of Credit](https://www.capitalbank.com/line-of-credit/) - Line of Credit Flexible Funds When you need them Whether you're managing everyday expenses, balancing cash flow, or preparing for the unexpected, our Line of Credit gives you quick access to funds when you need them. Linked to your Capital Bank checking account, this short-term credit option ensures convenience and peace of mind.BenefitsProtect Your Checking
- [Credit Builder Loan](https://www.capitalbank.com/credit-builder-loan/) - Credit Builder Loan A Simple Way to Strengthen Your Credit Good credit opens the door to financial opportunities. Whether you’re just starting out or rebuilding your credit history, our Credit Builder Loan is designed to help you establish or improve your credit while building savings at the same time.How it works:Borrow any amount between $1,000
- [Calculators](https://www.capitalbank.com/calculator/) - Financial Calculators
- [Money Market](https://www.capitalbank.com/money-market/) - Money Market Accounts Earn More While Keeping Your Money Accessible Looking for a savings account that offers both competitive interest rates and the flexibility to access your funds? A Money Market Account from Capital Bank gives you the best of both worlds—higher earnings than a traditional savings account, plus the convenience of check-writing and flexible
- [Municipal Banking](https://www.capitalbank.com/municipal-banking/) - Municipal Banking MOVE FORWARD Helping Our Communities At Capital Bank, we know that local governments do more than manage budgets—they keep communities running. From public services and infrastructure projects to payroll and daily operations, municipalities need reliable financial solutions to keep things moving.We’re here to provide straightforward banking solutions that make it easier to manage
- [Lock Box Services](https://www.capitalbank.com/lock-box-services/) - Lock Box Service Safe. Secure. Smart Cash Management To Keep Your Business Moving Managing your accounts receivables shouldn’t slow you down. That’s why Capital Bank offers Lock Box Service. Capital Bank Lock Box Service is a secure and efficient way to collect payments and streamline your cash management process. Payments are sent directly to a
- [Bill Payment](https://www.capitalbank.com/bill-payment/) - Bill Payment Simple. Secure. Built for Efficiency. At Capital Bank, we know your time matters. That’s why we offer an Online Bill Payment System that can help to make managing your payments fast, easy, and secure. Organize your payables, link invoices to payments, and send payments to nearly anyone in the U.S.—all in just minutes!
- [Remote Deposit Capture](https://www.capitalbank.com/remote-deposit-capture/) - Remote Deposit Capture SKIP THE TRIP TO THE BANK Now That's Smart. You’re busy, we get it! And we want to help. Save valuable time and simplify your day with Capital Bank’s Remote Deposit Capture. With just a check scanner and your computer, you can safely process check deposits electronically right from your office—no need
- [Business Banker](https://www.capitalbank.com/business-banker/) - Business Banker SECURE ACCESS 24/7 Your Finances Anywhere You Go At Capital Bank, we’re dedicated to helping you run your business as smoothly and efficiently as possible. That’s why we provide our business clients with access to our powerful online banking platform - Business Banker. With Business Banker, you can easily track cash flow, transfer
- [Commercial Loans](https://www.capitalbank.com/commercial-loans/) - Commercial Loans Empower Your Business WITH THE FUNDS THAT GROW At Capital Bank, your success is our priority. That’s why we offer a wide range of competitive commercial financing solutions designed to meet the unique needs of your business. Whether you’re looking for a commercial mortgage, equipment leasing, or a business loan, we’re here to
- [Small Business Loans](https://www.capitalbank.com/small-business-loans/) - Small Business Loans Get the Financial Freedom You Need to Drive Your Business Forward Running a small business takes dedication, determination, and the right financial tools. From managing daily operations to planning for future growth, small business owners face unique challenges—and at Capital Bank, we’re here to help. Our Small Business Banking Specialists provide the
- [FAQs](https://www.capitalbank.com/faqs/) - FAQs FAQ Topics General Digital Banking Personal Loans & Mortgages Debit Cards Wire Transfers Overdraft Protection Business Loans General What is your routing number? 021301115 How can I update my contact information? You can update your contact information by calling us at 1-800-836-3711 or completing the Contact Info Form directly from our site. Where are
- [Card Services - Business](https://www.capitalbank.com/card-services-business/) - Card Services for Business The Right Card For the Way You Do Business Running a business means having tools that work as hard as you do. That’s why we offer business cards to simplify everyday transactions and help you manage expenses efficiently. Whether you need a business credit card, a debit card, or both, our
- [Business Savings](https://www.capitalbank.com/business-savings/) - Business Savings Smart Saving Solutions Built for Where You Are and Where You’re Headed. At Capital Bank, we understand that every business has unique savings goals. Whether you’re focused on building liquidity, managing risk, or achieving specific investment objectives, your financial needs depend on where your business is today and where you want to go
- [Privacy & Security](https://www.capitalbank.com/privacy-security/) - Privacy & Security Mobile, Internet, and Corporate Privacy Policies Mobile Privacy Policy The Company’s “GoBanking” Mobile Banking App (the “App”) – powered by Fiserv – helps customers easily manage finances on the go.The App also allows you to:View real-time balances for your accountsManage your moneyView transactions and statementsMake transfersManage your debit cardPay people with ZellePay
- [Our History](https://www.capitalbank.com/our-history/) - Our History A History Like No Other Built on a Foundation of strength, growth & Commitment. Where it all Began In 1833, Chemung Canal Trust Company was founded in Elmira, New York, with a vision to provide strong, independent financial services to the community. From the very beginning, we have been committed to honesty, integrity,
- [Who We Are](https://www.capitalbank.com/who-we-are/) - Who We Are Capital Bank Where Banking is Personal No matter where your financial path takes you, we’re here to meet you where you are and help you get where you want to go—with guidance, support, and banking solutions designed around your needs. Our Platinum Promise At Capital Bank, we know that every financial decision
- [Security Center](https://www.capitalbank.com/security-center/) - Security Center YOUR SAFETY IS Our Priority At Capital Bank, we are committed to helping you protect yourself and your accounts. Knowledge is your best defense against fraud and identity theft, and we’ve gathered a variety of resources and best practices to help you stay informed and secure.From preventative steps to what to do if
- [Wealth Account Login](https://www.capitalbank.com/wealth-account-login/) - Account Login Secure and Convenient Account Access Managing your accounts online has never been easier. With our secure portal, you can safely access your account information anytime, from anywhere. Only authorized users can review market valuations, account balances, and transactions—or download financial data for their records.If you’re new to online access, we’re happy to help
- [FAQ Wealth Management](https://www.capitalbank.com/faq-wealth-management/) - Wealth Management FAQs Frequently Asked Questions Customers may wonder how their managed assets held in the bank’s Wealth Management Group are safeguarded. Here is a brief explanation of how extensive regulation, examination, and sound practices protect a bank customer’s interests. Who Supervises My Bank? Bank Wealth Management Groups often act as both custodian and investment
- [Contact a Wealth Advisor](https://www.capitalbank.com/contact-a-wealth-advisor/) - Contact Us Connect with a Wealth Management Advisor We’re here for you. If you have questions, would like to schedule an appointment, or need additional information, please complete the form below, and we will respond to you promptly. We look forward to connecting with you soon! Name *Phone *Email *Confirm Email *Street AddressCityState/ProvinceZIP / Postal
- [Our History - Wealth](https://www.capitalbank.com/our-history-wealth/) - Our History A Legacy of Strength and Service At Capital Bank, our commitment to serving clients with trusted financial solutions runs deep. As part of a banking tradition that dates back nearly two centuries, we continue to grow and evolve to meet the changing needs of our clients. Over the years, we have expanded our
- [Retirement Services](https://www.capitalbank.com/retirement-services/) - Retirement Services A Plan for the future Peace of Mind for Life Planning for retirement comes with a lot of questions—Will I have enough? How should I save? Where do I start? At Capital Bank, we’re here to help you build a strong retirement plan so you can feel confident about the future. Whether you’re
- [Investment Services](https://www.capitalbank.com/investment-services/) - Investment Services A Team Approach to Building and Protecting Your Wealth. At Capital Bank, we believe successful investing starts with a plan that matches your individual goals. Our Investment Team works closely with you to create a portfolio that aligns with your ambitions, timeframe, and risk tolerance—because your financial future should be built around you.
- [Financial Planning](https://www.capitalbank.com/financial-planning/) - Financial Planning Plan for the Future You Deserve At Capital Bank, we know that planning for your financial future requires careful thought and the right guidance. That’s why our team of experienced financial advisors works closely with clients to create strategies tailored to their goals. Whether you’re planning for retirement, managing investments, or preparing for
- [Trust & Estate Administration](https://www.capitalbank.com/trust-estate-administration/) - Trust & Estate Administration Helping You Protect What Matters Most. At Capital Bank, we understand the importance of preserving and managing your assets for future generations. We know that protecting your assets and ensuring they are passed on according to your wishes is important. Our Trust & Estate Administration services help you plan for the
- [Prestige Banking](https://www.capitalbank.com/prestige-banking/) - Prestige Banking Services Exclusive Financial Services for Premier Clients. Managing financial success comes with its own set of challenges. At Capital Bank, we understand the complexities that come with wealth, which is why we offer Prestige Banking—a service designed to provide you with tailored financial solutions and personalized attention. As a Prestige Banking client, you’ll
- [Wealth Management](https://www.capitalbank.com/wealth-management/) - Wealth Management HERE TO HELP YOU Shape Your Financial Future We’re here to help you plan for your financial future. Our Wealth Management team takes the time to understand your needs and create a strategy that fits your goals. Whether you’re planning for retirement, growing your investments, or managing wealth for your family or business,
- [Wire Services](https://www.capitalbank.com/wire-services/) - Wire Services FAST, RELIABLE and Secure Money Transfers Need to send money quickly? Capital Bank’s Wire Transfer Services provide a secure and efficient way to move funds—whether across town or around the world. Whether you’re making a payment, transferring money internationally, or sending funds for a time-sensitive transaction, our wire services ensure your money gets
- [Digital Wallet](https://www.capitalbank.com/digital-wallet/) - Digital Wallet A Faster, Safer WAY TO PAY Leave your wallet at home—your phone has you covered. With Capital Bank Digital Wallet, you can securely pay with just a tap of your smartphone or smartwatch. Use your Capital Bank Mastercard® credit or debit card at millions of stores that accept mobile payments, all while enjoying
- [Debit Cards](https://www.capitalbank.com/debit-cards/) - Debit Cards PAY YOUR WAY Simple, Secure, and Convenient! Your Capital Bank Debit Card is linked to your personal checking account, so you can use it almost anywhere! It’s like having cash, but without the hassle of carrying bills. Plus, every time you use your card, you’ll earn points that you can turn into awesome
- [Personal Credit Cards](https://www.capitalbank.com/personal-credit-cards/) - Personal Credit Cards More Spending Power. More Benefits The right credit card should do more than just make purchases—it should work for you. At Capital Bank, our Visa® credit cards offer flexibility, convenience, and rewards tailored to your lifestyle. Whether you want to build credit, earn cash back, or save with a low APR, we
- [Fraud Protection](https://www.capitalbank.com/fraud-protection/) - Fraud Protection PROTECT YOUR BUSINESS And Your Peace of Mind. At Capital Bank, we understand that the security of your business is one of your highest priorities. We can help give you protect your accounts and give you peace of mind. Our smart, proactive tools to protect your accounts from fraud, hackers, and unauthorized transactions—so
- [FAQ Business Banker Tokens](https://www.capitalbank.com/faq-business-banker-tokens/) - Tokens FAQs Frequently Asked Questions What is a soft token? A soft token is a secure app on a mobile device that generates a one-time password each time you log in to Business Banker. It is similar to a hard token, but allows you to use an app on your mobile device instead of a
- [Online & Mobile Banking](https://www.capitalbank.com/online-mobile-banking/) - GoBanking Bank Your Way Anytime, Anywhere Managing your money should be simple and convenient. With GoBanking from Capital Bank, you get secure access to your accounts wherever you are. Whether you’re paying bills, depositing checks, or transferring funds, our online and mobile banking services put financial control at your fingertips.It’s your money—bank the way that
- [Rates Mortgage](https://www.capitalbank.com/rates-mortgage/) - Current Rates Mortgage Rates Rates as of July 7, 2026 30 & 15yr Fixed Rates Jumbo & 15/1 ARM Rates Construction Draw Loan Other Mortgage Options To learn more about our other mortgage options, please contact us at: Call us at (607) 737-3815 or toll-free at (800)836-3711 extension 3815Email us at mortgages@chemungcanal.com Get a Free Quick Quote
- [Home Equity Loan](https://www.capitalbank.com/home-equity-loan/) - Home Equity Loans Turn Your Home's Value Into Your Next Opportunity The equity in your home can be a powerful financial tool. With a Capital Bank Home Equity Loan, you can tap into the value you’ve built to fund home improvements, cover education expenses, consolidate debt, or even plan a dream vacation. Our Home Loan
- [Landlord Tenant Lease Security Service](https://www.capitalbank.com/landlord-tenant-lease-security-service/) - Landlord Tenant Lease Security Service A HASSLE-FREE WAY TO Manage Security Deposits At Capital Bank, we understand that landlords have a lot to manage. From managing tenant relationships to staying on top of paperwork, your time is valuable. We can help! Our Lease Security Service provides you with a simple and secure way to handle
- [Nacha ACH Rule Changes](https://www.capitalbank.com/nacha-ach-rule-changes/) - ACH Rule Changes The Nacha Operating Rules provide the framework for every ACH payment, outlining clear guidelines and defining the roles of financial institutions and Network participants. These rules ensure that millions of transactions are processed securely and efficiently each day.As ACH payment requirements evolve, Capital Bank is here to keep you informed about key
- [Customer Support](https://www.capitalbank.com/customer-support/) - Customer Support Service That Puts You First. Our Platinum Promise At Capital Bank, we know that every financial decision tells a story—and we’re committed to understanding yours. Built on a foundation of Mutual Respect, Open & Honest Communication, and Accountability, we’re redefining personal banking. Whether you’re planning for tomorrow, managing today, or just navigating life,
- [Cookie Policy](https://www.capitalbank.com/cookie-policy/) - Effective Date: 22-Jul-2025 Last Updated: 22-Jul-2025 What are cookies? This Cookie Policy explains what cookies are and how we use them, the types of cookies we use i.e, the information we collect using cookies and how that information is used, and how to manage the cookie settings. Cookies are small text files that are
- [951 Pennsylvania Ave • Elmira, NY](https://www.capitalbank.com/locations/951-pennsylvania-ave-elmira-ny/) - 951 Pennsylvania Ave • Elmira, NY ​ ContactAddress: 951 Pennsylvania AveElmira, NY 14904Phone: (607) 734-2111 HoursLobby & Drive-Up: Mon – Fri, 9am – 4:00pm Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services ATM Make an Appointment Schedule
- [909 Hanshaw Rd • Ithaca, NY](https://www.capitalbank.com/locations/909-hanshaw-rd-ithaca-ny/) - 909 Hanshaw Rd • Ithaca, NY ​ ContactAddress: 909 Hanshaw RdIthaca, NY 14850Phone: (607) 257-2194 HoursLobby & Drive-up: Mon – Fri, 9am – 4:00pm Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services ATM Make an Appointment Schedule
- [628 W. Church St • Elmira, NY ​​](https://www.capitalbank.com/locations/628-w-church-st-elmira-ny/) - 628 W. Church St • Elmira, NY ContactAddress: 628 W. Church StElmira, NY 14905Phone: (607) 734-7204 HoursLobby & Drive-Up: Mon – Fri, 9am – 4:00pm Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services ATM Make an Appointment
- [602 S. Main St • Horseheads, NY](https://www.capitalbank.com/locations/602-s-main-st-horseheads-ny/) - 602 S. Main St • Horseheads, NY ​ ContactAddress: 602 S. Main StHorseheads, NY 14845Phone: (607) 739-8735 HoursLobby: Mon – Fri, 9am – 4:00pm; Sat, 10am – NoonDrive-up: Mon, Thu, Fri, 9:00am – 4:30pm; Tue – Wed, 9am – 4:00pm; Sat, 9am – Noon Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit
- [5529 Main Street • Williamsville, NY ​​](https://www.capitalbank.com/locations/5529-main-street-williamsville-ny/) - 5529 Main Street • Williamsville, NY ​ ContactAddress: 5529 Main StreetWilliamsville, NY 14221Phone: (716) 458-3690 HoursLobbyMonday – Friday: 9:00am – 4:30pmSaturday – Sunday: Closed Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services ATM Make an Appointment Schedule
- [54 Fall St. • Seneca Falls, NY](https://www.capitalbank.com/locations/54-fall-st-seneca-falls-ny/) - 54 Fall St. • Seneca Falls, NY ​ ContactAddress: 54 Fall St.Seneca Falls, NY 13148Phone: (315) 568-5820 HoursMon – Fri 9am – 4:00pm Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services ATM Make an Appointment Schedule Here
- [5 West Main St • Canton, PA](https://www.capitalbank.com/locations/5-west-main-st-canton-pa/) - 5 West Main St • Canton, PA ​ ContactAddress: 5 West Main StCanton, PA 17724Phone: (570) 673-5127 HoursLobby & Drive-Up: Mon – Fri, 9am – 4:00pm; Sat, 9am-Noon Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services ATM
- [405 Chemung St • Waverly, NY](https://www.capitalbank.com/locations/405-chemung-st-waverly-ny/) - 405 Chemung St • Waverly, NY ​ ContactAddress: 405 Chemung StWaverly, NY 14892Phone: (607) 565-8168 HoursLobby: Mon – Fri, 9am – 4:00pm; Sat, 10am – NoonDrive-up: Mon – Fri, 9am – 4:00pm; Sat, 9am – Noon Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking
- [318 N. Franklin St • Watkins Glen, NY](https://www.capitalbank.com/locations/318-n-franklin-st-watkins-glen-ny/) - 318 N. Franklin St • Watkins Glen, NY ​ ContactAddress: 318 N. Franklin StWatkins Glen, NY 14891Phone: (607) 535-7186 HoursLobby & Drive-Up: Mon – Fri, 9am – 4:00pm Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services ATM
- [304 Elmira Rd • Ithaca, NY](https://www.capitalbank.com/locations/304-elmira-rd-ithaca-ny/) - 304 Elmira Rd • Ithaca, NY ​ ContactAddress: 304 Elmira RdIthaca, NY 14850Phone: (607) 272-2407 HoursLobby & Drive-Up: Mon – Fri, 9am – 4:00pm; Sat, 9am – Noon Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services ATM
- [303 W. Main St • Montour Falls, NY](https://www.capitalbank.com/locations/303-w-main-st-montour-falls-ny/) - 303 W. Main St • Montour Falls, NY ​ ContactAddress: 303 W. Main StMontour Falls, NY 14865Phone: (607) 535-7103 HoursLobby: Mon – Fri, 9am – 4:00pm Sat, 10am – NoonDrive-up: Mon – Fri, 9am – 4:00pm Sat, 9am – Noon Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine
- [29 Arnot Rd • Horseheads, NY](https://www.capitalbank.com/locations/29-arnot-rd-horseheads-ny/) - 29 Arnot Rd • Horseheads, NY ​ ContactAddress: 29 Arnot RdHorseheads, NY 14845Phone: (607)739-0373 HoursLobby: Mon – Fri, 9am – 4:00pm; Sat, 10am – NoonDrive-up: Mon – Fri, 9am – 4:00pm; Sat, 9am – Noon Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking
- [203 Main St • Owego, NY](https://www.capitalbank.com/locations/203-main-st-owego-ny/) - 203 Main St • Owego, NY ​ ContactAddress: 203 Main StOwego, NY 13827Phone: (607) 687-0670 HoursLobby & Drive-up: Mon – Fri, 9am – 4:00pm Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services ATM Make an Appointment Schedule
- [201 Bath Plaza • Bath, NY](https://www.capitalbank.com/locations/201-bath-plaza-bath-ny/) - 201 Bath Plaza • Bath, NY ​ ContactAddress: 201 Bath PlazaBath, NY 14810Phone: (607) 776-3361 HoursLobby: Mon – Fri, 9am – 4:00pm; Sat 10am – NoonDrive-up: Mon – Fri, 9am – 4:00pm; Sat 9am – Noon Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking
- [185 Grant Ave • Auburn, NY](https://www.capitalbank.com/locations/185-grant-ave-auburn-ny/) - 185 Grant Ave • Auburn, NY ​ ContactAddress: 185 Grant AveAuburn, NY 13021Phone: (315) 253-7155 HoursLobby & Drive-up: Mon – Fri 9am – 4:00pm, Sat 9am – Noon Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services ATM
- [159 Canton St • Troy, PA](https://www.capitalbank.com/locations/159-canton-st-troy-pa/) - 159 Canton St • Troy, PA ​ ContactAddress: 159 Canton StTroy, PA 16947Phone: (570) 297-0657 HoursLobby & Drive-Up: Mon – Fri, 9:00am – 4:00pmDrive-up: Mon – Fri, 8:30am – 4:30pm Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional
- [149 W. Market  • Corning, NY](https://www.capitalbank.com/locations/149-w-market-corning-ny/) - 149 W. Market St • Corning, NY ​ ContactAddress: 149 W. Market StCorning, NY 14830Phone: (607) 962-4668 HoursLobby & Drive-Up: Mon – Fri, 9am – 4:00pm Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services ATM Make an
- [100 Rano Blvd • Vestal, NY](https://www.capitalbank.com/locations/100-rano-blvd-vestal-ny/) - 100 Rano Blvd • Vestal, NY ​ ContactAddress: 100 Rano BlvdVestal, NY 13850Phone: (607) 763-4028 HoursLobby & Drive-Up: Mon – Fri, 9am – 4:00pm Sat, 9am – Noon Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services ATM
- [100 W. McCanns Blvd  • Elmira Heights, NY](https://www.capitalbank.com/locations/100-w-mccanns-blvd-elmira-heights-ny/) - 100 W. McCanns Blvd • Elmira Heights, NY ​ ContactAddress: 100 W. McCanns BlvdElmira Heights, NY 14903Phone: (607) 734-1323 HoursLobby & Drive-Up: Mon – Fri, 9am – 4:00pm Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services ATM
- [1094 State Route 222 • Cortland, NY](https://www.capitalbank.com/locations/1094-state-route-222-cortland-ny/) - 1094 State Route 222 • Cortland, NY ​ ContactAddress: 1094 State Route 222Cortland, NY 13045Phone: (607) 753-1707 HoursLobby & Drive-Up: Mon – Fri, 9am – 4:00pm Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services ATM Make an
- [110 Genesee St • Auburn, NY](https://www.capitalbank.com/locations/110-genesee-st-auburn-ny/) - 110 Genesee St • Auburn, NY ​ ContactAddress: 110 Genesee StAuburn, NY 13021Phone: (315) 255-7810 HoursMon – Fri, 9am – 4:00pm Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services ATM Make an Appointment Schedule Here
- [127 Court St • Binghamton, NY](https://www.capitalbank.com/locations/127-court-st-binghamton-ny/) - 127 Court St • Binghamton, NY ​ ContactAddress: 127 Court StBinghamton, NY 13901Phone: (607) 771-6874 HoursMon – Fri, 9am – 4:00pm Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services ATM Make an Appointment Schedule Here
- [1 Chemung Canal Plaza • Elmira, NY](https://www.capitalbank.com/locations/1-chemung-canal-plaza-elmira-ny/) - 1 Chemung Canal Plaza • Elmira, NY ​ ContactAddress: 1 Chemung Canal PlazaElmira, NY 14901Phone: (607) 737-3711 HoursLobby & Drive-Up: Monday – Friday 9am – 4:00pm Services Available at this Location Personal Banking Checking AccountsSavings AccountsAuto LoansCredit CardsMortgagesPersonal LoansHome Equity LoansLine of Credit Business Banking Checking AccountsSavings AccountsCredit CardsCommercial Loans Additional Services ATM Make an
- [Vanessa R. Schallmo, QKA®, TGPC, QPFC](https://www.capitalbank.com/team/vanessa-r-schallmo-qka-tgpc-qpfc/) - Vanessa R. Schallmo, QKA®, TGPC, QPFC Sr. Retirement Plan Manager Vanessa recently joined our team as a Senior Retirement Plan Manager responsible for managing and delivering our suite of administration, consulting, and compliance services to our retirement plan clients. Vanessa has over 20 years of experience in the retirement plan industry, most recently with Ameritas
- [Nathan Gage](https://www.capitalbank.com/team/nathan-gage/) - Nathan Gage, AIF®, QKA, QKC Vice President / Retirement Plan Advisor Nathan Gage joined Chemung Canal Trust Company in 2019 as a Retirement Plan Advisor. He is responsible for working with plan sponsors and plan participants to ensure optimal outcomes with their retirement plans. Nathan has over 20 years of experience in the retirement plan
- [Hal D. Coghill](https://www.capitalbank.com/team/hal-d-coghill/) - Hal D. Coghill, RICP®, CLTC®, AIF®, CIS II Relationship Manager Hal Coghill joined Chemung Canal Trust Company in 2022 as a Relationship Manager. He is responsible for proactive management of our IRA and Individual 403(b) clients offering administrative services, investment reviews, retirement income planning, and financial planning. He spent part of his career in Information
- [Christopher K. Kelly, AIF®, QPFC, QKA, CEBS](https://www.capitalbank.com/team/christopher-k-kelly/) - Christopher K. Kelly, CFP®, AIF®, QPFC, QKA®, CEBS Sr. Vice President / Retirement Services Manager Christopher K. Kelly joined Chemung Canal Trust Company in 2011 as a Senior Retirement Plan Manager. He was promoted to Assistant Vice President in 2013 and then to Vice President and Retirement Services Department Manager in 2014. In 2018, Chris
- [Customer Identification Requirements](https://www.capitalbank.com/customer-identification-requirements/) - Customer Identification Requirements The USA PATRIOT Act of 2001 requires financial institutions to take extra steps to prevent fraud, identity theft, money laundering and the financing of terrorism. It requires us to obtain information from an individual or legal entity to help establish identity.This means that, when you open an account or as our regular
- [Merchant Services](https://www.capitalbank.com/merchant-services/) - Merchant Services with Clover HELPING YOU Do Business Faster At Capital Bank, we understand how demanding it can be to own a business. Tracking inventory, supervising employees, taking orders, and much more, can be challenging. We can help! We’ve teamed up with Clover®, an all-in-one point-of-sale system that can help your business with payment processing
- [Docusign](https://www.capitalbank.com/docusign/) - You're All Done! Thank you for signing your documents!You’ll receive a copy of your document via email once all parties have signed.
- [z_blog](https://www.capitalbank.com/z_blog/) - Blog It seems we can’t find what you’re looking for.
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- [Lauren Zell](https://www.capitalbank.com/team/lauren-zell/) - Lauren Zell, CPC, QPA, CEBS Asst. Vice President / Sr. Retirement Plan Manager Lauren Zell joined Chemung Canal Trust Company in 2013 as a Senior Retirement Plan Manager. Lauren is responsible for managing and delivering our suite of administration, consulting, investment, education, and compliance services to our retirement plan clients. She has more than 40
- [Stephanie Martelli](https://www.capitalbank.com/team/stephanie-martelli/) - Stephanie Martelli, QPA, QKC, QKA® Sr. Retirement Plan Manager Stephanie Martelli joined Chemung Canal Trust Company in 2022 as a Sr. Retirement Plan Manager. Stephanie is responsible for managing and delivering our suite of administration, consulting, and compliance services to our retirement plan clients. She has over 20 years of experience in the retirement plan
- [Heidi Wahl](https://www.capitalbank.com/team/heidi-wahl/) - Heidi Wahl, CFP Asst. Vice President / Relationship Manager Heidi Wahl joined Chemung Canal Trust Company in 2012. Prior to becoming a Relationship Manager in the Estate Administration department, she was a Financial Advisor in the CFS Group. Heidi has more than 20 years of experience in the financial services industry. She holds a B.S.
- [Catherine B. Crandall](https://www.capitalbank.com/team/catherine-b-crandall/) - Catherine B. Crandall Sr. Vice President / Sr. Trust Officer Catherine Crandall joined Chemung Canal Trust Company in 2008 as Vice President / Sr. Trust Officer of the Trust & Estate Administration Department and was named Department Manager in 2009. She is licensed to practice law in New York, having earned a Juris Doctorate from
- [Michael L. Hart](https://www.capitalbank.com/team/michael-l-hart/) - Michael L. Hart, CTFA Vice President / Sr. Relationship Manager Michael Hart was promoted to Vice President, Senior Relationship Manager for the Wealth Management Group in 2021. He began his career at Chemung Canal Trust Company in 2008 and joined the Wealth Management Group in 2009. In 2013, Michael was promoted to Associate Relationship Manager
- [Andrea McClure](https://www.capitalbank.com/team/andrea-mcclure/) - Andrea McClure Asst. Vice President / Manager of Tax Services Andrea McClure joined Chemung Canal Trust Company in December 2014 as Manager of Tax Services. She has more than 25 years of experience and previously was a Senior Tax Accountant at Market Street Trust Company. Andrea has been preparing taxes for 20 years, and in
- [Gregory Stewart](https://www.capitalbank.com/team/gregory-stewart/) - Gregory Stewart Vice President / Sr. Relationship Manager Gregory Stewart joined Chemung Canal Trust Company as a Senior Relationship Manager in 2016 and was elected Vice President the same year. In 2023 Gregory assumed the role as Senior Wealth Advisor, partnering with the Investment Services team to bring insight and solutions to the client base.
- [Michael D. Blatt, CFA, CMT](https://www.capitalbank.com/team/michael-d-blatt/) - Michael D. Blatt, CFA, CMT Vice President / Sr. Investment Officer Michael D. Blatt joined Chemung Canal in 1999 as a Portfolio Manager, was elected Assistant Vice President in 2000, and was promoted to Vice- President, Senior Investment Officer in 2005. Michael has more than 30 years of analytical and investment experience. He is a
- [Peter Capozzola, CFA](https://www.capitalbank.com/team/peter-capozzola/) - Peter Capozzola, CFA Vice President / Senior Investment Officer Peter Capozzola joined Capital Bank in May of 2019 as the Senior Investment Officer in the bank’s Capital District. Peter was most recently a Vice President with Glens Falls National Bank and President of North Country Investment Advisers. Prior to Glens Falls National Bank, Peter held
- [Kevin W. Brimmer](https://www.capitalbank.com/team/kevin-w-brimmer/) - Kevin W. Brimmer Assistant Vice President / Investment Officer Kevin W. Brimmer joined Chemung Canal Trust Company in 2011 as part of the Trust Operations Department within the Wealth Management Group. He joined the Investment Department in 2013 where he continues to serve as an Assistant Vice President and Investment Officer. Kevin holds a BS
- [Mark Lasch, CTFA](https://www.capitalbank.com/team/mark-lasch/) - Mark Lasch, CTFA Sr. Vice President / Regional Wealth Management Group Executive – Capital Mark Lasch joined Capital Bank in July 2017 as a Senior Vice President and Regional Executive of the bank’s Capital Region Wealth Management Group. Mr. Lasch was most recently a Senior Vice President and Senior Trust Officer with Key Private Bank
- [Online Accessibility Statement](https://www.capitalbank.com/online-accessibility-statement/) - Online Accessibility Statement October 21, 2024 Compliance statusWe firmly believe that the internet should be available and accessible to anyone and are committed to providing a website that is accessible to the broadest possible audience, regardless of ability. To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C)
- [Front Page__Rotating Banner](https://www.capitalbank.com/front-page-2/) - Personal Business First Time User > Forgot Password > Forgot password or PIN? Log In to Additional Banking Services Tailor Your Banking Journey PERSONAL BANKING We're ALL ABOUT What's Next We’re here for your next adventure, your next home, your next big dream. Get Started Why Canal Banking That Stands & Grows with You Canal
- [Buffalo Business](https://www.capitalbank.com/buffalo-business/) - Hey, Buffalo Businesses! WELCOME TO Canal Bank Your new neighbor on Main Street in Williamsville. We’ve been around for over 190 years, but we’re all about what’s next — your next adventure, your next business expansion, your next big dream. We’re here to be more than just your bank… we’re here to be part of
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- [dynamic-content-widget-822f061-3ac0222](https://www.capitalbank.com/elementskit-content/dynamic-content-widget-822f061-3ac0222/) - Bank Wealth Management Groups often act as both custodian and investment manager of client assets. Banking institutions that offer these services are subject to rigorous and frequent examination, as well as extensive regulation, by federal regulators such as the Office of the Comptroller of the Currency (OCC), the Federal Reserve Board, the Federal Deposit Insurance
- [dynamic-content-widget-f5384e9-594e2c7](https://www.capitalbank.com/elementskit-content/dynamic-content-widget-f5384e9-594e2c7/) - Account Authentication & Online Banking (PDF)Risk Assessment & Layered Security for Online Business Transactions (PDF)
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- [dynamic-content-widget-123e5c09-18314e6](https://www.capitalbank.com/elementskit-content/dynamic-content-widget-123e5c09-18314e6/) - Internal Leadership ProgramTalent Management PlanningCareer CirclesEmployee Recognition Events Mentorship ProgramContinuing Education and Training ProgramsEmployee Assistance Program
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- [dynamic-content-widget-db191b3-b492f7d](https://www.capitalbank.com/elementskit-content/dynamic-content-widget-db191b3-b492f7d/) - At Capital Bank, we are committed to integrity, accountability, and responsible leadership. Our mission is to remain a strong and independent financial institution that creates value for shareholders, customers, employees, and the communities we serve, all while upholding the highest ethical standards.Our Board of Directors is made up of leaders from diverse industries, bringing together
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## Templates

- [Home Page Header](https://www.capitalbank.com/?elementskit_template=home-page-header) - Why Capital Customer Support Locations & Hours Menu Business Accounts & Credit Cards Business Checking Business Savings Card Services FAQs Contact Us Customer Identification Requirements Log in to Business Banking Borrowing Small Business Loans Commercial Loans FAQs Contact Us Services Business Banker Remote Deposit Capture Bill Payment Lock Box Services Merchant Services Municipal Banking FAQs
- [Global Footer](https://www.capitalbank.com/?elementskit_template=global-footer) - Why Capital Who We Are Careers History Privacy Policy Investor Relations Cookie Policy Business Checking Savings Credit Cards Fraud Protection Merchant Services Commercial Loan SBA Loans Business Banker Personal Checking Savings Auto Loan Credit Cards Credit Builder Loan Mortgage Home Equity GoBanking Wealth Wealth Management Retirement Investment Financial Planning Prestige Banking Who We Are Education
- [Inner Page Header](https://www.capitalbank.com/?elementskit_template=inner-page-header) - Why Canal Customer Support Locations & Hours Business Accounts & Credit Cards Business Checking Business Savings Card Services FAQs Contact Us Customer Identification Requirements Log in to Business Banking Borrowing Small Business Loans Commercial Loans FAQs Contact Us Services Business Banker Remote Deposit Capture Bill Payment Lock Box Services Merchant Services Municipal Banking FAQs FAQ

## Categories

- [Uncategorized](https://www.capitalbank.com/category/uncategorized/)
- [Wealth](https://www.capitalbank.com/category/wealth/)
- [Home Equity Loan](https://www.capitalbank.com/category/home-equity-loan/)
- [Business](https://www.capitalbank.com/category/business/)
- [Business Loan](https://www.capitalbank.com/category/business-loan/)
- [Mortgage](https://www.capitalbank.com/category/mortgage/)
- [Saving](https://www.capitalbank.com/category/saving/)
- [Personal Loan](https://www.capitalbank.com/category/personal-loan/)