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Here to Help

Updated June 26, 2020

COVID-19 may be presenting some unexpected financial challenges for your personal or business finances. As your neighbor and community-banking partner, we understand your concerns and we are here for you.

No matter your current situation, we are committed to offering you financial guidance and helping to ease the burden when possible.

Home, Auto and Other Personal Loans

We have always worked with our customers on a personal basis to protect the status of their loans. Our dedicated team will continue to do the right thing during these challenging times.

For personal loan assistance, use our deferral information request form and someone from our team will get back to you. They are ready to discuss your situation and work with you one-on-one.

Click to access Loan Deferral Information Request Form – burgundy button that reads deferral requests

Business Loans

For business loan assistance, please call your relationship manager directly to start the conversation. For general questions, Our Customer Care Center can point you in the right direction at (518) 583-3114.

Other Guidance

As our communities adjust to these challenging times, here are a few other steps you can take in your personal finances.

  • If you are owed a tax refund, don't delay: The federal and state tax filing deadline has been extended until July 15. However, if you are owed a refund, aim to file as soon as you can. Your refund can serve as an emergency fund of sorts. Visit the state Tax Department website for more information.
  • Contact services or creditors right away: If you think you can’t make other payments, contact those companies right away to see how they can work with you.
  • Create an emergency budget: Eliminate items that are not a need at this time and cut back where possible to avoid taking on debt. Within our Internet Banking, you can find a free online budgeting tool to track expenses and look ahead.
  • Use financing with the lowest interest: If you must use a credit card for basic expenses, use the one with the lowest interest.

While we are dedicated to helping you today and throughout this situation, we also wanted to share some other helpful resources for your reference.