Checking Products

We take great pride in offering professional services with a personal touch. We offer a variety of accounts:

  • Personal Checking
    • $25 minimum opening deposit required
    • Unlimited check writing privileges
    • No statement fees or per check fees
  • Business Checking
    • $25 minimum opening deposit required
    • Unlimited check writing privileges
    • No statement fees or per check fees
  • NOW Account
  • Health Savings Accounts (HSA)

Reduced Price Checks

Reduced Price Checks

We offer checks for all of our accounts at a lower cost than our competitors. Our basic personal size checks are only $8.00 per box and duplicates are available at $10.00 per box (Price includes shipping).
Take a look at what our affiliate MainStreet Checks has to offer!
If you have already ordered checks from MainStreet Checks, through us, you can use the link below to order more.
If not, simply contact any of our Customer Service Representatives to place an order.

ATM & Debit Cards

All of our Checking Accounts, including Health Savings Accounts, are eligible for an ATM or Debit Card. For our Business Customers, we offer a Business Debit Card. An ATM card can also be issued for any Statement Savings Account.

There is no fee for Cash withdrawals or inquiries at our ATMs; $1 per transaction at foreign ATMs.


Safeguard your Card with CardValet-control where, when and how your DNB Debit Card is used.

Chip Cards

EMV Chip cards are replacing your non-chip card. When your card expires you will receive a chip card. Watch the video above to learn more.

Savings Accounts

  • Insured Money Market Deposit
  • Statement Savings Account
  • Passbook Savings
  • Christmas Club
  • Tax Club
  • Energy Savers Club
  • Certificate of Deposit / IRA

Other Services

  • Amortization Schedules Prepared
  • Automatic Clearing House (ACH) transfers
  • Automatic Transfers and Payments
  • Bank-by-Mail
  • Coin Counting
  • Direct Deposit of Social Security and Other Pensions
  • Redemption of EE and I Bonds
  • Fax Services
  • Foreign Currency and Drafts
  • Free Night Depository
  • Notary Public Services
  • Personal Money Orders
  • Receiver of Margaretville Telephone and Margaretville Cable Payments
  • Rolled Coin
  • Safe Deposit Boxes (4 Sizes)*
  • Visa / MasterCard merchant accounts
  • Wire Transfers

*Please Note: Contents of Safe Deposit Boxes are not FDIC insured

FDIC Notice

You can calculate your current FDIC Coverage by clicking this link, which will take you to the FDIC Insurance Estimator web page.

Please Note: The above link will take you to a third-party web-site. We do not make any claims or guarantees about the content of their internet web pages or their individual privacy policies. Their web-site may provide less security than the bank's web-site.


Certificates of Deposit and Individual Retirement Accounts

  • From 3 months to 5 years, maturities are available at competitive rates
  • $100 minimum deposit required
  • No account Fee
  • Early withdrawal penalty may apply
  • May receive interest by check, transfer to another account, or reinvest

Roth, Traditional, SEP and Education IRAs are offered at the same rates as our Certificate of Deposits. Plus, we offer a variable rate IRA that you can make additional deposits to.

  • Main Bank Contact Information

    124 Main Street
    Delhi , NY 13753


    Call Us
    General Calls: 855-413-3544
    General Fax: 855-450-1433

  • Margaretville Branch

    42568 ST HWY 28
    Margaretville, NY 12455


    Call Us
    General Calls : 855-423-3544
    General Fax: 855-450-1431

  • Davenport Branch

    PO Box 25
    West Davenport, NY 13860


    Call Us
    General Calls: 855-433-3544
    General Fax: 855-450-1432

    Mon: 10:00AM
    Tue: 10:00AM
    Wed: 10:00AM
    Thu: 10:00AM
    Fri: 10:00AM
    Sat: 10:00AM
    Sun: 10:00AM

  • Hobart Branch

    1058 Main Street
    Hobart, NY 13788


    Call Us
    General Calls : 855-443-3544
    General Fax: 607-538-3072

  • Oneonta Loan Office

    265 Main Street Suite 7
    Oneonta, NY 13820


    Call Us
    General Calls : 855-403-3544
    General Fax : 607-433-2474

  • Sidney Loan Office

    276 State Highway 7
    Sidney, NY 13838


    Call Us
    Phone Number: (855) 483-3544

    Mon: 8:30AM - 5:00PM
    Tue: 8:30AM - 5:00PM
    Wed: 8:30AM - 5:00PM
    Thu: 8:30AM - 5:00PM
    Fri: 8:30AM - 5:00PM
    Sat: Closed
    Sun: Closed