We remain committed to the health and safety of our employees, you our customers and the community; therefore we will be phasing in the reopening of our lobby.   Beginning on June 8th, we will allow access to the lobby at limited capacity.  For the time being we ask that you enter through the Washington Street elevator door. The Genesee Street door will be available for exit only. 
Please wear a mask for everyone's safety.  A guard will ask you to pull your mask down as you enter our vestibule for identification purposes, and then to put it back on before getting on the elevator.

If you feel sick or exhibit any signs of having the virus, or were recently in contact with someone who has, please do not visit us. 

You will still be able to open accounts and apply for loans in the drive thru.  We recommend that you call us first at 315-797-2761 so that we can arrange to get the proper documents to you.  You will be able to mail them back to us or drop them in our night drop located in the first drive-thru lane.

Remember, you have access to our free Online and Mobile Banking which offer convenient ways to check your account status, pay bills, transfer/send money and deposit checks from almost anywhere. And, we can now instantly issue you a debit card.  If you need one, let us know. 

We understand that some of our customers, both personal and business, may be experiencing financial hardship during this COVID-19 crisis due to a loss of income, e.g. because they have been laid-off from their job or their business is suffering a loss of income. 

Bank of Utica is taking the following steps to assist our customers:

·We have raised the daily limit on ATM withdrawals to $1,000.
·We can also raise the daily limit on Mobile Deposits.  This is done on an individual basis, so call us if you need this option.
·Bank of Utica has temporarily suspended the $5.00 per item charge over the allowable 6 transfers per month on Money Market and Statement Savings accounts giving customers unlimited withdrawals and transfers from these accounts.
·We are willing to waive overdraft fees if these overdrafts are caused by COVID-19 related issues.
·If you are having problems making your residential loan payments, we will allow you to defer these payments for up to 90 days with no late charges.  We will not report your loan as past due to credit reporting agencies.  
·If you have any other COVID-19 related financial issues, including difficulty making other loan payments, call us so that we can work with you to alleviate these.

If you are a business owner, in addition the SBA's Paycheck Protection Program, we are willing to assist you with relief in the event that you are having a difficult time making loan payments or maintaining  day-to-day financial operations. 

To apply for assistance, simply call us at (315) 797-2700 ext. 264.  We may ask you to show proof of financial hardship.

We're here to help, call us at 315-797-2761.



Is my money safe?
Yes.  Each depositor insured by the Federal Deposit Insurance Corporation (FDIC) to at least $250,000 per insured bank.  More information regarding deposit insurance can be found here:

Will I be able to get a loan without coming into the bank?
Yes. Loan applications can be mailed or picked up.  Call our Personal Banking Department from 9 a.m. to 5 p.m., Monday through Friday at 315-797-2700 ext. 264 if you have any questions, want more information or to pick up an application. 
Did you know that we offer a personal line of credit called Check Credit that is attached to your checking account? This allows you to draw against available credit when you need to, usually at a much lower rate than a credit card. 

Will I be able to sign my note or do advances or renewals?
Yes. Contact your lending officer.

How can I get signed up for Online Banking?
If you are not yet using Online Banking, please give our Checking Accounts Department a call at 315-797-2761 to receive your Around the Clock Banking Password (also known as your PIN) to get started.

How can I get signed up for Mobile Banking?
Once you have signed up for Online Banking you can establish yourself on Mobile Banking by downloaded our app.
Bank of Utica has a myriad of products that let you bank electronically. Please visit our Electronic Banking for Personal Banking page to learn more.

How can I protect against fraud and/or scams?
Some people may take advantage of COVID-19 by using fraudulent websites, phone calls, emails, and text messages claiming to offer "help" but may be trying to trick people into providing personal and financial information like social security numbers, bank account numbers, and other valuable details.  Do not divulge your bank or debit/credit card numbers or other personal information unless you know that it is a reputable organization.  In addition, you should be cautious about online solicitations and on guard against imposters.

Will there be enough cash during a pandemic?
Yes. We will continue to meet the currency needs of our customers. Be assured that sufficient resources are available, however if necessary, daily withdrawal limits may be implemented. Remember, the safest place for your money is inside a bank – deposit funds are protected by the FDIC.