COVID-19

We are committed to doing everything we can to meet your banking needs during the COVID-19 outbreak. We are open and providing all services. However, in order to protect our employees and customers, our lobby is temporarily closed to the public. You will be able to conduct your banking in our drive-thru with two walk-up windows and two drive-up lanes that will be open from 8:00 a.m. to 6:30 p.m. Monday thru Friday. Note: there will be a cleaning period between teller shifts (1-2 p.m.) that could result in a slight delay.

You will still be able to open accounts and apply for loans.  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.

Depending how quickly the virus spreads locally, we can consider allowing entry to the bank by appointment only for customers who do not have virus symptoms, e.g. for access to your safe deposit box once per month.

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 are taking action to lessen some of the financial burden for our customers who are adversely impacted by the current situation.  Please call us to learn more about the following:
· Waiving overdraft and late fees
· Increasing ATM daily cash withdrawal limits
· Increasing check credit loan limits
· Modifying personal and business loans, e.g. principle deferments.

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

 

FAQs

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: https://www.fdic.gov/deposit/deposits/faq.html

Will I still be able to get into my safe deposit box? 
Yes.  Effective Friday, March 20th, by appointment only.

Will I be able to get a loan?
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.