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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.
To help protect the health and safety of our employees and customers, our branch lobbies are operating under modified lobby access and capacity will be limited. Branches with lobby hours will allow only a limited number of customers in the lobby at one time to maintain optimal social distancing. All customers are required to wear a mask, and identity verifications will be performed as customers enter the branch. Our drive-thrus, night depositories, and ATMs are available for certain transactions to help reduce the number of customers in the branch lobbies. Should you have a need for an in-person meeting at one of our branches, we encourage you to schedule an appointment ahead of time by clicking here.
From time-to-time, temporary branch closures may be necessary. Any closures will be listed on our locations page, which will remain up-to-date for your convenience. We recommend you check the locations page prior to visiting a branch to confirm the current hours.
The staff members at all of our branch locations are wearing face masks to assist customers, and plexiglass shields have been installed at all transaction windows and desks. Hand sanitizer stations are located in all branches and staff disinfect high-touch surfaces throughout each day, in addition to each branch having regularly scheduled, professional cleaning.
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.
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.
For our loan customers
If you have experienced a hardship related to COVID-19, please contact us at firstname.lastname@example.org 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%, APR 6.073%, for up to 24 months; or an Interest Rate as low as 4.00%, APR 4.803%, 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 February 4, 2021, 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 be a participating lender in the second round of the Small Business Administration’s (SBA) Paycheck Protection Program (PPP) funding. As a designated SBA 7(a) lender, we gained a great deal of experience in helping small businesses throughout our communities receive funding through the first round of PPP in 2020, and are ready to help our customers apply for first or second round funding in 2021. We are now accepting applications for our customers who meet the criteria. Please refer to the information below and complete the application applicable to your business.
PPP loans will be eligible for full loan forgiveness if during the 8- to 24-week covered period:
Please contact our commercial lending specialists at email@example.com for additional information and assistance. Information and applications are also available through the SBA website:
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
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