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Common Questions

Questions about … What you need to know …
Your new bank Founded in 1866 and headquartered in DeWitt, NY, Community Bank, N.A. has a strong branch network throughout New York and northeastern Pennsylvania. Following the Merchants Bank merger, that network will extend into Vermont and Massachusetts and will include more than 225 locations.

It’s our genuine privilege to serve the small towns and communities that have helped us become nationally recognized for our financial strength. Community Bank, N.A. has consistently been ranked among the 15 best banks in America by Forbes magazine for six years running, and was most recently ranked 3rd in 2016.

Branch hours There will be no change to your normal branch hours.
Your account number(s) Your account number(s) will remain the same, unless you are otherwise notified.
Your checks You can continue to use your existing supply of Merchants Bank checks until you are ready to re-order. If you do not order your checks through our check provider (Deluxe) and order your checks after the merger, you will need to provide your check vendor with our routing and transit number: 021307559.
Online banking See here for complete details and login instructions after the merger.
Your statements
Please Note
Please see the product sections of the welcome booklet mailed to you for details on your statement. Merchants Bank will provide a final statement listing all activity through the merger date.

Free eStatements are available through Community Bank, N.A. online banking. If you receive statements electronically, you’ll be prompted to re-enroll at your first online banking login. If you are enrolled in Merchants Bank eStatements, you’ll be able to access up to 18 months of past eStatements.

Your debit card You will receive a new debit/ATM card and personal identification number (PIN) in separate mailings prior to the merger. You can change your PIN when you activate your new card at any Community Bank, N.A. ATM or through telephone banking after the merger.
Overdraft sweep
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If you currently have an overdraft sweep that protects your checking account from overdrafts, it will be automatically converted and will continue uninterrupted.

Please see the Disclosure Booklet for applicable terms and conditions. Community Bank, N.A. offers overdraft protection lines of credit. Ask us for details.

Cash management services If you currently use cash management services, you will receive a separate letter detailing how all of these services will be converted. Our full suite of cash management services includes cash and loan sweeps, automated clearing house services (“ACH”), lockbox, remote deposit capture, account reconciliation, zero-balance accounts, positive pay fraud protection and online wire transfers.
Free mobile banking
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Mobile banking and mobile deposit are FREE with every Community Bank, N.A. account. Simply enable mobile banking any time after the merger by logging into online banking, then download our mobile app for iPhone® and Android™ smartphones.
Free telephone banking If you currently use telephone banking, you will need to re-establish it with Community Bank, N.A. any time after the merger. Simply call 1-800-991-4280. You’ll be asked to enter the last four digits of your Tax ID number and your account number as identification and then you’ll select a secure PIN.
FDIC insurance Your deposits will continue to be FDIC insured up to the maximum amount allowed by law. If you currently have deposits that have the same ownership title(s) at both Merchants Bank and Community Bank, N.A., your deposits will continue to be insured separately for six months after the merger. After that, those deposit amounts will be combined to determine the amount of your FDIC coverage. View details on FDIC Insurance for CDs here.
Repurchase agreements and Insured cash sweep If you have repurchase agreements or participate in the Insured Cash Sweep program, please click here for details.
Merchants Trust Company If you are currently a client of Merchants Trust Company, these services will continue without interruption.

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