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Loans & Lines of Credit

You’ll be happy to know that not much is changing with your loan(s). Your loan(s) will transfer automatically to Community Bank, N.A. You don’t need to do a thing. Please see additional information in the disclosure booklet we sent you.

Unless otherwise notified, your account number will remain the same.

If you have credit life or disability insurance with your loan, you’ll receive a separate communication.

Automatic payments—If your payments are made automatically from a checking or savings account, this service will continue uninterrupted. If you make your payments by mail, please mail them to the following address after the merger:

Community Bank, N.A.
PO Box 628
Olean, NY 14760

Statement payments— If you receive statements for making your personal loan, fixed-rate mortgage or fixed-rate home equity loan payments, you’ll receive a coupon book prior to the merger for making payments once the merger is complete. If you have an adjustable rate mortgage (ARM) or home equity line of credit, you’ll continue to receive monthly statements.

Online banking—You can use Community Bank, N.A. online banking to make one-time or recurring loan payments from your checking or savings account. Simply visit our website at or stop by your branch.


If you have a mortgage, it will convert to Community Bank, N.A. Please see the Disclosure Booklet for additional information and the transfer-of-servicing notice.

Home equity loans and lines of credit

Your home equity loan or line of credit will convert to Community Bank, N.A. with no change in terms. If you have a home equity line of credit, you will receive line-of-credit checks and payment coupons prior to the merger.


If you have questions about any Community Bank, N.A. credit product, please call or stop by your local branch. Or visit

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