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Elmira Savings Bank is committed to continuing to take steps to help minimize the spread of the Coronavirus (COVID-19), while serving the banking needs of our customers and local communities. The health and well-being of our customers and employees continues to be a priority.
If you have experienced financial hardship, remember that we are here for you. Please contact our Call Center to learn how we may be able to assist you during this challenging time, (607) 734-3374.
Please visit this site frequently for up-to-date information on the steps we are taking during this time, and to see helpful resources from state and federal government agencies.
We strongly encourage customers to utilize digital channels for banking, such as Online and Mobile Banking. These services allow you to bank from the comfort of your home or office, while decreasing exposure to customers and our staff. Check your balance and account activity, make deposits, pay your bills, transfer funds, receive your statement and much more – anytime, anywhere. Learn more.
For the safety of our customers and employees, branch hours and operations have been adjusted and will continue to be modified as our regions reopen. Transactions are primarily being processed through the drive-thru, where applicable, with branch lobbies available on a limited basis or by appointment only. To see a full listing of our current branch hours, click here. You can also schedule an appointment at any of our branch locations by clicking here. When visiting any of our offices, we ask everyone to wear a mask or cloth face covering for face-to-face service. Our employees will also wear face coverings for such interactions.
Our Call Center is also available to assist with your questions. Call (607) 734-3374 or (888) 372-9299, Monday through Friday, 8:00 a.m. to 6:00 p.m., and Saturday, 9:00 a.m. to 1:00 p.m.
In addition to completing transactions with our branch staff, deposits and loan payments can be made in the branch night depositories and at most branch ATMs. ATMs can also be used to withdraw funds from your account and review your account balance.
To encourage the continued use of ATMs and Mobile Banking, we have temporarily increased certain limits that have been in place related to these services, including withdrawal limits at ATMs and mobile deposit limits based on the dollar amount and quantity of checks deposited within specified time frames. Additionally, Regulation D, which has traditionally imposed limitations on certain transactions out of savings and money market account types, has been suspended, eliminating any fees we would normally assess and allowing customers greater access to their savings.
Federal regulation has also made important changes impacting IRAs and other retirement accounts, including:
We encourage you to contact a tax advisor or financial consultant for additional information and to confirm your eligibility related to these changes.
For our loan customers who have a hardship related to COVID-19
Contact us at email@example.com or call us at 888-270-9510 between 9:00 a.m. and 4:00 p.m. Monday through Friday to discuss your options.
We are also offering our “Everything Loan” available up to $5,000, at an Interest Rate as low as 3.00% for up to 24 months, or an Interest Rate as low as 4.00% for up to 48 months*, and the first payment will not be due until 90 days after the loan closing. We have modified our standard requirements to allow for the potential to qualify even if you have reduced income during this time as a result of the COVID-19 pandemic.
Begin the application process by calling us at (607) 737-3374, toll free at (888) 372-9299, or apply online at https://loans.elmirasavingsbank.com/oa/.
*Offer effective as of March 24, 2020, and may change at any time. Offer is available to qualified customers only, loans are subject to credit approval. Not available on real estate secured loans. Funds may not be used for educational or real estate tax purposes. Payment example: $5,000 for 48 months at 4.00% (4.803% Annual Percentage Rate) is approximately $114.70, $2,500 for 24 months at 3.00% (6.073% Annual Percentage Rate) is approximately $110.89
For our Business Customers
Elmira Savings Bank is proud to have helped over 300 small businesses receive funding through the Paycheck Protection Program (PPP). At this time we are no longer accepting new applications for this program, but we continue to offer a variety of other commercial loan options, which may also be of assistance to your business.
If you received your PPP loan through Elmira Savings Bank, please contact us for information related to loan forgiveness. The Small Business Administration (SBA) has released several documents related to PPP forgiveness, including the application, and we are here to help you through this process.
The SBA has also released special guidance and the Simpler Loan Forgiveness Application for loans of $50,000 or less.
We encourage you to work closely with your accountant and/or payroll company for assistance regarding the documentation or data requirements. Once you have gathered the documentation and have completed the application, please contact your Commercial Loan Officer or email our team at SBA2020@elmirasavingsbank.com, and we will work with you to submit the application on your behalf.
As always, we are here to assist you with all of your borrowing and cash flow needs. We have several standard loan options available at low rates and competitive terms, as well as an assortment of accounts and services to support the needs of your business.
We encourage everyone to stay vigilant against scams related to the Coronavirus. Cybercriminals have begun to send emails or contact through social media with links to fraudulent websites, intended to trick victims into revealing sensitive information.
Messages may appear to be educational, promoting awareness and prevention tips, or attempting to sell a bogus product for prevention or cure. Additionally, messages from cybercriminals may appear to come from charities seeking donations.
Be cautious of emails, text messages, social media posts or phone calls you receive requesting information; do not open links or attachments from sources unfamiliar to you; and never provide your personal or financial information. If you plan to make a donation, research the charity, never let them rush you into a donation, and do not send cash or gift cards, or wire the funds.
Other Important Information
Elmira Savings Bank
333 E. Water St., Elmira, NY 14901
Phone: (607) 734-3374
The Advisor Newsletter
Routing Number: 221370399
Orig NMLS #403589
©Copyright 2020 Elmira Savings Bank. All rights reserved.
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