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Checking Products

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

Reduced-Price Checks

We offer checks for all of our accounts at a lower cost than our competitors.
Take a look at what our affiliate MainStreet Checks has to offer! Main Street Inc. Site (opens new window)
If you have already ordered checks from MainStreet Checks, through us, you can use the link below to order    more.
Order Checks Here (opens new window)
If not, simply contact any of our Customer Service Representatives to place an order.

ATM & Debit Cards



Savings Accounts

Other Services


*Please Note: Contents of safe deposit boxes are not FDIC Insured

FDIC Notice


Certificates of Deposit and Individual Retirement Accounts

  • From 3 to 60 months, maturities are available at competitive rates.
  • $100 minimum deposit required.
  • No IRA Administration Fee.
  • Early withdrawal penalty may apply.
  • May reinvest interest or receive interest by check, or transfer to another account, or another financial institution.

Roth, Traditional, SEP, HSA, 5 Year Bump CDs and Education IRAs are offered at the same rates as our Certificates of Deposit. Plus, we offer a variable rate IRA to which you can make additional deposits.
Main Branch
124 Main Street
Delhi, NY 13753
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Delhi Drive-Up
121 Main Street
Delhi, NY 13753
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Margaretville Branch
42568 State Highway 28
Margaretville, NY 12455
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Davenport Branch
2503 Prosser Hollow Rd.
Davenport, NY 13750
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Hobart Branch
1058 Main Street
Hobart, NY 13788
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Sidney Loan Office
276 State Highway 7
Sidney, NY 13838
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