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# Canal Bank

Canal Bank

## Sitemaps

- [XML Sitemap](https://gocanalbank.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Blog](https://gocanalbank.com/blog/)
- [Savings vs CD vs Money Market: Making the Most of Your Savings in 2026](https://gocanalbank.com/savings-vs-cd-vs-money-market-making-the-most-of-your-savings-in-2026/) - If you're serious about making your savings work harder in 2026, three products deserve your attention: Savings accounts, CDs, and Money Market accounts. All three are FDIC-insured. All three are safe. The question isn't which one is "best", it's which one is best for you, given your goals, your timeline, and how much flexibility you
- [Checking vs Savings Account: Which One Do You Actually Need?](https://gocanalbank.com/checking-vs-savings-account-which-one-do-you-actually-need/) - Here's a question that sounds simple but trips up more people than you'd think: what's the actual difference between a checking account and a savings account? Not the textbook answer, the real answer. The one that helps you decide where your money should live. The short version: you need both. But understanding what each one
- [What to Do With a Large Sum of Money: Savings, CDs, or Money Market?](https://gocanalbank.com/what-to-do-with-a-large-sum-of-money-savings-cds-or-money-market/) - Coming into a large sum of money doesn't always feel the way you'd expect. Sometimes it's exciting, a business sale, a big bonus, a real estate windfall. Sometimes it's complicated, an inheritance, a legal settlement, the proceeds from selling a home you lived in for decades. Either way, there's often a moment where you're sitting
- [CD vs Money Market vs Savings: Where to Put Your Cash in 2026](https://gocanalbank.com/cd-vs-money-market-vs-savings-where-to-put-your-cash-in-2026/) - You've got money sitting in a standard savings account earning next to nothing. You know there's a better option, probably several. But every time you start researching, you end up with 12 browser tabs and more questions than answers. Let's fix that. CDs, money market accounts, and savings accounts are three of the most powerful
- [Money Market vs CDs: 10 Convincing Reasons Which One You Should Choose in 2025](https://gocanalbank.com/money-market-vs-cds-10-convincing-reasons-which-one-you-should-choose-in-2025/) - Compare money market accounts vs CDs. Learn 10 convincing reasons covering rates, access, penalties, & savings goals to choose the right option with Canal Bank.
- [IRA vs 401(k): 10 Key Differences Canal Bank Clients Should Know to Secure Their Retirement Future](https://gocanalbank.com/ira-vs-401k-10-key-differences-canal-bank-clients-should-know-to-secure-their-retirement-future/) - Compare IRAs and 401(k)s with 10 key differences on taxes, contribution limits, employer match, and withdrawals to help secure your retirement with Canal Bank.
- [Why Entrepreneurs Need Business Banking for Financial Success](https://gocanalbank.com/why-entrepreneurs-need-business-banking-for-financial-success/) - Entrepreneurs need business banking to effectively organize their finances and separate personal from business cash flow. This separation improves financial insights, making it easier to access tailored loans and credit options that support growth. Enhanced cash flow management tools allow you to forecast expenses and monitor spending, while expert financial advice helps navigate market trends
- [Strategic Personal Banking for Credit](https://gocanalbank.com/strategic-personal-banking-for-credit/) - Your credit card is like a key, unlocking doors to financial opportunities. Understanding how to use it wisely is essential for building your credit score and overall financial health. By choosing the right card and managing it effectively, you can maximize rewards while minimizing debt. But what strategies can you employ to ensure you're making
- [CD vs. Savings Account](https://gocanalbank.com/cd-vs-savings-account/) - Many people believe that Certificates of Deposit (CDs) are always the better choice for saving due to their higher interest rates. However, this isn't universally true; it really depends on your financial situation and goals. Understanding the differences between CDs and traditional savings accounts can help you make a more informed decision. Are you prepared
- [Comprehensive Guide to Mortgage Loan Types: Choosing the Right Home Financing Option](https://gocanalbank.com/comprehensive-guide-to-mortgage-loan-types-choosing-the-right-home-financing-option/) - Understanding the types of mortgage loans available is essential for making informed decisions as a homebuyer. Whether you’re a first-time purchaser or upgrading to your forever home, your choice of mortgage can significantly impact your long-term financial stability. From fixed-rate security to zero-down government-backed options, each loan product serves different financial goals and borrower profiles.
- [10 Powerful Ways Business Banking Loans Drive Growth in 2025](https://gocanalbank.com/10-powerful-ways-business-banking-loans-drive-growth-in-2025/) - Understanding Business Banking Loans In today’s competitive financial environment, business banking loans have become more than just a source of capital; they are a strategic tool for sustainable growth. From startups to established enterprises, the ability to access timely financing can determine how quickly a company scales, adapts, and thrives in a changing market. At
- [Home Equity Loan Documents Checklist: What You Need](https://gocanalbank.com/home-equity-loan-documents-checklist-what-you-need/) - To secure a home equity loan, you'll need several key documents.
- [What Is a CD Account](https://gocanalbank.com/what-is-a-cd-account/) - Many people overlook the benefits of a Certificate of Deposit (CD) account, which can offer higher interest rates compared to regular savings accounts. By understanding how these accounts work, you can make informed decisions about your savings strategy. However, while CDs can provide security and predictable returns, they also come with restrictions that might not
- [How a HELOC Works: A Complete Guide](https://gocanalbank.com/how-a-heloc-works-a-complete-guide/) - If you're a homeowner looking for flexible financing options, a Home Equity Line of Credit (HELOC) might be worth considering. It allows you to tap into the equity of your home for various expenses. However, understanding how it works is crucial to avoid potential pitfalls. In this guide, you'll explore the basics of HELOCs, their
- [Essential Business Banking Services for Your Company](https://gocanalbank.com/essential-business-banking-services-for-your-company/) - As a business owner, managing your company’s finances effectively is essential for sustaining growth and maintaining day-to-day operations. Having the right business banking services in place is crucial to ensure smooth financial management, streamline transactions and safeguard your company’s assets. At Canal Bank, we understand that every business has unique needs. That’s why we offer
- [How Business Banking Solutions Support Small Businesses](https://gocanalbank.com/how-business-banking-solutions-support-small-businesses/) - Learn how business banking services are tailored to the needs of small businesses, from flexible accounts to credit lines. Discover solutions here.
- [10 Key Questions to Ask Before Opening a Business Bank Account](https://gocanalbank.com/10-key-questions-to-ask-before-opening-a-business-bank-account/) - Ensure you choose the right business bank account by asking these essential questions before making a decision. Click here to get expert advice.
- [What Is Business Banking and Why Does Your Business Need It?](https://gocanalbank.com/what-is-business-banking-and-why-does-your-business-need-it/) - Learn what business banking is, its benefits, and how it helps businesses manage finances, from transactions to growth strategies. Discover more inside.
- [The Top 5 Benefits of Business Banking for Your Company](https://gocanalbank.com/the-top-5-benefits-of-business-banking-for-your-company/) - Learn how business banking can enhance your company’s financial management, from improved cash flow to tax benefits. Find out why it’s essential for success.
- [Why Your Company Needs Online Business Banking ](https://gocanalbank.com/why-your-company-needs-online-business-banking-2/) - Discover the convenience and flexibility of online business banking, allowing you to manage finances remotely, track transactions and more. Learn the benefits here.
- [Everything You Need to Know About Applying for a Business Loan](https://gocanalbank.com/everything-you-need-to-know-about-applying-for-a-business-loan/) - Are you trying to start your own business? If so, you have a lot of work on your hands, especially when it comes to acquiring the necessary finances.
- [15 Reasons Why Business Loans Are Critical for Post-Pandemic Financial Recovery](https://gocanalbank.com/15-reasons-why-business-loans-are-critical-for-post-pandemic-financial-recovery/) - The economic toll of the pandemic has meant business owners need more access to business loans than ever before. Business loans are critical for post-pandemic financial recovery and can provide much-needed capital to help fast-track the economic recovery process.
- [Is Now a Good Time for First Time Home Buying?](https://gocanalbank.com/is-now-a-good-time-for-first-time-home-buying/) - With the current market conditions, it's no surprise that many prospective buyers are asking if now is a good time to purchase a home. It's important to consider your own personal financial situation as well as the potential benefits or drawbacks of buying at this particular moment in time.
- [Busting 7 Myths About Home Equity Loans](https://gocanalbank.com/home-equity-myths/) - A home equity loan – also referred to as a second mortgage – allows you to tap into the equity you have built into your home.
- [How to Work With a Mortgage Lender for Your Mortgaging Needs](https://gocanalbank.com/how-to-work-with-a-mortgage-lender-for-your-mortgaging-needs/) - Buying a home is an expensive endeavor, and most people need to finance their purchase by mortgaging. If you're in the market for a home, it's important to understand the different types of mortgages available, as well as the pros and cons of each.
- [How to Conquer Common Challenges in Acquiring Home Equity Loans](https://gocanalbank.com/how-to-conquer-common-challenges-in-acquiring-home-equity-loans/) - It pays to work hard and increase your home value. After all, a time may come when you'll need to borrow against your existing value by way of an equity loan. You can use your home equity loan to invest in your house and pay for timely upgrades like a new metal roof or hardwood floors. However, it's not always easy to get home equity loans. Here are some of the challenges you may face.
- [How a Business Loan Can Benefit Your Company](https://gocanalbank.com/how-a-business-loan-can-benefit-your-company/) - There are many reasons why a small business may struggle to be successful. Running out of money is a big one. According to Fundera, 29% of small businesses in need have to eventually close their doors because their capital dried up. However, there is a life raft businesses can take advantage of. Getting some money from business loan services can give a company enough cash to get over the hump and continue a successful run. Here's how business loan services can help your company survive.
- [The Do's and Don'ts of Looking for Small Business Loaning](https://gocanalbank.com/the-dos-and-donts-of-looking-for-small-business-loaning/) - Are you a new business owner trying to get off the ground or an existing business owner trying to expand? If so, you may be interested in acquiring business loans to help support your company. After all, according to Fundera, only 48% of small businesses overall have their financing needs met. If you don't have a lot of cash on hand or access to venture capital funds, going through business loan companies can help you get ahead. That said, how can you go about looking for small business loan options wisely? Here are some of the do's and don'ts of business loaning.
- [Our Best Tips For Managing Your Business Loans](https://gocanalbank.com/our-best-tips-for-managing-your-business-loans/) - Taking on debt to start or grow your business can be scary. But with some planning and discipline, you can make sure those business loans work for you instead of against you. According to Fundera, running out of capital is what leads to 29% of small businesses failing. Here are our top tips for managing business loans responsibly, so they provide long-term value rather than becoming a burden.
- [10 Foolproof Ways to Prepare as a First-Time Home Buyer](https://gocanalbank.com/10-foolproof-ways-to-prepare-as-a-first-time-home-buyer/) - Finding good housing can be a challenge. Perhaps you've decided that you're tired of paying a landlord to rent a place. Maybe now you're also ready to be a first-time home buyer. According to Statista, in 2021, 81% of people buying a home for the first time were between the ages of 23-31 years old. Here are 10 foolproof ways to do just that.
- [5 Common Financial Mistakes First-Time Home Buyers Make](https://gocanalbank.com/5-common-financial-mistakes-first-time-home-buyers-make/) - Homeownership is one of life's biggest milestones, and if you've decided that you're ready to purchase your first house, you're no doubt eager to get started on the buying process. Of course, like many of the most important things in life, this transition requires a lot of careful thought and planning. In addition to taking steps like touring multiple properties and having any home you're interested in thoroughly inspected, it's critical to make sure your finances are in order.
- [What Can You Do With a Business Loan?](https://gocanalbank.com/what-can-you-do-with-a-business-loan/) - Are you thinking of starting a business or expanding your current one? If so, you may be wondering how to access liquid capital. Business loan services can provide the funding you need and are available to those who apply. Read on to learn how a business loan can take you to new heights!
- [8 Essential Tips for First-Time Home Buyers in 2022](https://gocanalbank.com/8-essential-tips-for-first-time-home-buyers-in-2022/) - Investing in a home for the first time can feel daunting, if not overwhelming at times. In 2021, 81% of all first-time home buyers were between the ages of 23 and 31, according to Statista. For those who are unfamiliar with the process, purchasing a home may feel downright scary if you're unsure of where to begin. If you are just thinking of purchasing a home for the first time, here are eight tips to keep in mind to help guide you along the way.
- [Why a Home Equity Loan Is Better Than a Reverse Mortgage](https://gocanalbank.com/why-a-home-equity-loan-is-better-than-a-reverse-mortgage/) - Your home can provide you with a surprising source of money when used properly. For example, according to Investopedia, you can usually mortgage up to 80% of your home's value before you're topped off. However, options like a reverse mortgage or home equity loan may work well in different situations. Typically, a home equity loan is a better option for most people.
- [Adjustable-Rate vs. Fixed-Rate Mortgages](https://gocanalbank.com/adjustable-rate-vs-fixed-rate-mortgages/) - For first-time homebuyers, understanding the differences between fixed-rate and adjustable-rate mortgages can seem daunting. In simple terms, a fixed-rate mortgage is one in which the interest rate on the loan remains constant throughout the lifetime of the loan. Adjustable-rate mortgages (ARMs) are different because they feature changing rates over time, commonly referred to as “resets”.
- [Could Business Loaning Help Your Small Company Thrive?](https://gocanalbank.com/could-business-loaning-help-your-small-company-thrive/) - The practice of business loaning is common in the financial and business sector. It's especially beneficial to small companies — both for those that are just starting out and for those looking to scale up operations. Truth be told, no growing business can achieve success without the necessary financial resources.
- [What First Time Home Buyers Should Know About Mortgages](https://gocanalbank.com/what-first-time-home-buyers-should-know-about-mortgages/) - If you’re just getting started on the process of buying your first home, you likely have more questions than answers. You’re in luck, though, because the resources for first time home buyers have never been better.
- [How Do Home Equity Loans Compare to Mortgages?](https://gocanalbank.com/how-do-home-equity-loans-compare-to-mortgages/) - Home equity loans and mortgages are two of the most critical types of funding. Most people do not understand the difference between the two. In this article, you will learn how home equity loans compare to mortgages.
- [How to Get a Business Loan for Your Company](https://gocanalbank.com/how-to-get-a-business-loan-for-your-company/) - At some point, your business is going to require extra cash. While the general idea behind starting a business is to make money, you should keep in mind that money is also a necessary ingredient for growth. One of the best ways to get money for your business when you run short is to get a business loan.
- [7 Benefits of Adjustable-Rate Mortgage Loans](https://gocanalbank.com/benefits-adjustable-rate-mortgage-loans/) - Owning a home is one of the best investments anyone could make. It is an invaluable asset that gives you and your family the comfort, convenience, and protection you envision. Yet, purchasing a home can be daunting, thanks to the cost involved. If you're overwhelmed by the cost, it would be best to consider various mortgage loans.
- [What Size Business Loan Is Right for Me?](https://gocanalbank.com/what-size-business-loan-is-right-for-me/) - You can benefit from a business loan if you are running a business in several ways. This is why many businesses are seeking non-pandemic-related government funding.

## Pages

- [Front Page__Rotating Banner](https://gocanalbank.com/) - Canal Bank is a division of Chemung Canal Trust Company, the oldest locally owned and managed community bank in New York, blending tradition with innovation.
- [Card Services - Business](https://gocanalbank.com/card-services-business/) - Card Services for Business Discover the Card that Works for Your Business. When it comes to running a business, you need a business card that’s convenient, flexible, and makes your day-to-day transactions easy. Whether it’s handling expenses or staying organized, we’re here to help. From business credit cards to debit cards and more, we’ve got
- [Nacha ACH Rule Changes](https://gocanalbank.com/nacha-ach-rule-changes/) - ACH Rule Changes The ​Nacha Operating Rules are the foundation for every ACH payment. By defining the roles and responsibilities of financial institutions and establishing clear guidelines for each Network participant, the Rules ensure that millions of payments occur smoothly and easily each day. As ACH payment requirements evolve, we can help you learn about key changes
- [Business Savings](https://gocanalbank.com/business-savings/) - Business Savings Smart SAVINGS SOLUTIONS That Meet You Where You Are and Take You Where You Want to Go At Canal Bank, we understand that every business has different savings goals. How you meet these goals depends on where you are today, where you want to go, and how you want to get there.We offer
- [SavvyMoney](https://gocanalbank.com/savvymoney/) - SavvyMoney Free credit monitoring. Anytime, Anywhere. Credit Insights by SavvyMoney is a free credit monitoring tool easily accessed through Web Banking or our Mobile App. With one powerful tool, you can access your credit score, get a full credit report, and get personalized financial tips and insights. All without impacting your credit score. Benefits Daily
- [HELOC Special](https://gocanalbank.com/heloc/) - HELOC Special READY. SET. REMODEL. Your Home Can Help Support What's Next. Whether you’re improving your space, planning for college, taking a trip, or simply making life a little easier, a HELOC offers flexible financing designed around your goals. 4.50% APR*6 MONTH INTRO RATE 6.75% APR*CURRENT VARIABLE RATE Apply Online Contact Us Take advantage of
- [Personal Savings](https://gocanalbank.com/personal-savings/) - Personal Savings A Smart Way to Invest in Your Financial Future. Take control of your financial future with a Canal Bank personal savings account. We offer a variety of specialized accounts designed to make saving simple, convenient, and beneficial. With competitive interest rates, automatic transfers, and guidance from our banking specialists, saving for a rainy
- [Special Offer](https://gocanalbank.com/special-offer/) - Special Offer For Business Decisions that Can’t Wait At Canal Bank, we believe business banking should move at your speed. When the right opportunity comes along, you shouldn’t have to wait on your financing. With personalized service and flexible solutions, you’ll have the capital and the partnership you need to take the next step with
- [Property Management & Landlords](https://gocanalbank.com/property-management-landlords/) - Property Management & Landlords Simplify Property Finances In One Place Property finance can be complex and fast-paced. We help you keep operating funds, deposits, and growth plans organized with tools designed to save time and support compliance. Elevate Your Financial Management with Canal Bank Open and manage security deposit accounts more efficiently Track funds cleanly
- [Banking Login](https://gocanalbank.com/banking-login/) - Log In to Additional Banking Services BusinessCredit Card Login Manage your account online Log In PersonalCredit Card Login Manage your account online Log In Retirement Plan Login Manage your account online Log In WealthManagement Account Manage your account online Log In MerchantServices Account Manage your account online Log In PayMy Loan Online Make a loan
- [Investment Outlook](https://gocanalbank.com/investment-outlook/) - Investment Outlook Investment Insight from the Financial Services Team Our Investment Insight articles are available to read. Simply click to download each PDF. 2026 Second Quarter Outlook 2026 First Quarter Outlook 2025 Fourth Quarter Outlook 2025 Third Quarter Outlook 2025 Second Quarter Outlook 2025 First Quarter Outlook 2024 Fourth Quarter Outlook 2024 Third Quarter Outlook
- [Law Firms](https://gocanalbank.com/lawfirm/) - LAW FIRM Client funds Private-bank level support for your practice Canal Bank brings a fresh, highly personal approach, backed by a long history of stability. If your firm manages client funds, we’ll help you simplify the process and keep everything buttoned up with a team that knows the rules, knows the workflows, and knows how
- [Municipalities](https://gocanalbank.com/municipalities/) - Municipalities MANAGEABLE Reporting and Cash Flow Municipal finance requires transparency, precision, and a partner who understands the stakes. Canal Bank brings steady support and modern tools to simplify daily workflows. Elevate Your Financial Management Streamline collections and paymentsImprove reporting clarity across fundsReduce manual steps and branch visits Financial Solutions for Municipalities Operating Accounts Positive Pay
- [EscrowEdge](https://gocanalbank.com/escrowedge/) - EscrowEdge Introducting EscrowEdge A secure digital platform for managing client accounts EscrowEdge helps you manage client accounts by providing secure online access and streamlined account management.Strong reporting and record keeping supportBuilt with compliance in mind for client fund handlingNo account opening paperwork: Create digital accounts for any department in minutesDetailed Reporting: Generate compliance reports within
- [CRA Public Files](https://gocanalbank.com/cra-public-files/) - CRA Public Files Chemung Canal Trust Company is pleased to provide information for public inspection under the Community Reinvestment Act (CRA). By providing this information online, Canal Bank can keep it current with convenient access.In compliance with CRA requirements, the following information must be maintained in the public file, current as of April 1 of
- [Rates - Personal Loans](https://gocanalbank.com/rates-personal-loans/) - Current Rates Personal Loan Rates Rates as of July 8, 2026 Personal Loan Rates Credit Score*TermInterest Rate (Secured)APR**Interest Rate (Partially Secured)APR**Interest Rate (unsecured)APR** 740 & AboveUp to 48 Months7.25%7.25%8.50%8.50%10.50%10.50%740 & Above49 to 60 Months7.75%7.75%9.50%9.50%----700 - 739Up to 48 Months8.75%8.75%10.25%10.25%12.25%12.25%700 - 73949 to 60 Months9.50%9.50%11.00%11.00%----675 - 699Up to 48 Months11.25%11.25%13.50%13.50%----675 - 69949 to 60 Months11.75%11.75%14.00%14.00%----674 &
- [Careers](https://gocanalbank.com/career/) - Canal Bank Careers Build Your Career With Us. Our employees are at the heart of our success. That’s why we’re committed to building a workforce of exceptional people who prioritize customer service and thrive on building lasting client relationships. We take pride in fostering an environment that not only attracts top talent, but also nurtures
- [Checking](https://gocanalbank.com/checking/) - Personal Checking Discover the Account that Works the Way You Need it to. At Canal Bank, we understand that when it comes to financial management, people need different options to best fit their lifestyle. That’s why we offer a variety of personal checking accounts to fit the needs of what’s most important to you. Whether
- [Rates - Home Equity](https://gocanalbank.com/rates-home-equity/) - Current Rates Home Equity Interest Rates from Canal Bank Rates as of July 8, 2026 Monthly fixed-rate 1st lien Monthly fixed-rate 2nd lien Bi-Weekly Fixed Rate 1st lien Bi-Weekly Fixed Rate 2nd lien Adjustable rate line of credit Monthly Fixed-Rate Loans 1st Lien LTV 1st Lien Term (Years) 80% LTV (1st Lien) Interest RateAPR*90% LTV
- [Mortgage](https://gocanalbank.com/mortgage/) - Mortgages Helping You Live, Like No Other. When you’re ready for a new home, we’re ready to help you finance it. At Canal Bank, you not only get a great rate, you get a personalized service experience and local decision-making. From first-time home buyer loans to construction loans, refinancing loans, and more, our Mortgage Specialists
- [Rates](https://gocanalbank.com/rates/) - Current Rates Save More with Specials from Canal Bank Rates as of July 8, 2026 Interest checking PERSONAL SAVINGS CD IRA IRA MONEY MARKET HSA For a limited time, take advantage of our special offers: Stop by our branch or call us at 716-458-3690 to open your account today! 3.50% APY* Money Market Minimum opening
- [Ryan E. Weinhoffer](https://gocanalbank.com/team/ryan-e-weinhoffer/) - Ryan E. Weinhoffer, CFA Portfolio Manager View All Team Ryan E. Weinhoffer joined Chemung Canal Trust Company in June of 2023 as an Assistant Portfolio Manager. He was promoted to Portfolio Manager in June of 2024. Ryan obtained the Chartered Financial Analyst (CFA) designation in 2026 . He is a graduate of Susquehanna University, where
- [Team](https://gocanalbank.com/team/) - Our Team The Canal Bank Team: Here for You, Like No Other. Because your wealth management needs are like no other, we offer a style of service like no other. We know that each client requires a different level of service, and we’re committed to helping you achieve your financial objectives through personal strategic financial
- [Rates - Auto Loan](https://gocanalbank.com/rates-auto-loan/) - Current Rates Auto Loan Rates from Canal Bank Rates as of July 8, 2026 New 2024-22 2021 2020 2019 2018-16 2015-Older New Auto Loan Rates Credit Score*TermInterest RateAPR** 740 & Above0 to 48 Months - 0% Down Payment6.75%6.75%740 & Above49 to 60 Months - 0% Down Payment7.00%7.00%740 & Above61 to 72 Months - 0% Down
- [Shelby M. Fay, CFA, CFP®](https://gocanalbank.com/team/shelby-m-fay/) - Shelby M. Fay, CFA, CFP® Senior Vice President / Chief Investment Officer View All Team Shelby M. Fay was promoted to Chief Investment Officer in January of 2026. Shelby joined Chemung Canal Trust Company in the summer of 2015 and has held several positions within the Investment Services Department. Shelby has obtained both the Chartered
- [Joseph J. Tascone](https://gocanalbank.com/team/joseph-j-tascone/) - Joseph J. Tascone Sr. Vice President / Sr. Investment Officer View All Team Joseph Tascone returned to Chemung Canal Trust Company in September 2015 as the Investment Services Department Manager and Senior Investment Officer of the Wealth Management Group. He previously served in that same position at CCTC from 1987 to 1999. Joseph has more
- [Sara Soprano](https://gocanalbank.com/team/sara-soprano/) - Sara Soprano, QKA Asst. Vice President / Senior Retirement Plan Manager View All Team Sara Soprano joined Chemung Canal Trust Company in 2014 and in 2015 she took on the role of a Recordkeeper in the Retirement Service Group. Sara currently is a Senior Retirement Services Plan Manager and responsibilities include managing and delivering our
- [test poll page](https://gocanalbank.com/test-poll-page/) - Poll Page Holiday Poll TestWhat's the best holiday movie?ElfMiracle on 34th StreetThe HolidayHome Alone (Any in the series)Die HardThe GrinchNational Lampoon ChristmasThe Santa ClauseVoteView results What's your favorite holiday season treat?Cut-out Sugar CookiesFudgePumpkin RollPieEggnogCandy CanesGingerbread cookiesSubmit
- [Austin Farrell](https://gocanalbank.com/team/austin-farrell/) - Austin Farrell, CTFA Asst. Vice President / Relationship Manager View All Team Austin Farrell joined Chemung Canal Trust Company in March of 2017. He brings over 10 years of experience in the financial services industry and has served in several capacities within the bank. Austin was originally hired as a Branch Manager I in our
- [Locations & Hours](https://gocanalbank.com/locations/) - Locations & Hours Proudly Serving the Greater Buffalo Community Canal Bank is dedicated to providing excellent service. Our branch is located at: 5529 Main Street Williamsville, NY However, you can always visit one of the Chemung and Capital branches for any assistance you may need. Utilize the map provided to locate the nearest branch. [ASL_STORELOCATOR
- [Julie Wolak](https://gocanalbank.com/team/julie-wolak/) - Julie Wolak, QPA, QKC, QKA®, TGPC Senior Retirement Plan Manager View All Team Julie Wolak joined Chemung Canal Trust Company in 2023 as a Sr. Retirement Plan Manager. Julie is responsible for managing and delivering our suite of administration, consulting, and compliance services to our retirement plan clients. She has over 15 years of experience
- [Home Equity Loan](https://gocanalbank.com/home-equity-loan/) - Home Equity Loans A Quick and Convenient Way to Get the Loan You Need, For What You Want to Do. Have you ever considered using the value you’ve built up in your home to fund your next project? Canal Bank makes it easy with our quick and convenient Home Equity Loans. Your home’s equity, the
- [Cookie Policy](https://gocanalbank.com/cookie-policy/) - Effective Date: 22-Jul-2025 Last Updated: 22-Jul-2025 What are cookies? This Cookie Policy explains what cookies are and how we use them, the types of cookies we use i.e, the information we collect using cookies and how that information is used, and how to manage the cookie settings. Cookies are small text files that are
- [Vanessa R. Schallmo](https://gocanalbank.com/team/vanessa-r-schallmo/) - Vanessa R. Schallmo, QKA®, TGPC, QPFC Sr. Retirement Plan Manager View All Team Vanessa recently joined our team as a Senior Retirement Plan Manager responsible for managing and delivering our suite of administration, consulting, and compliance services to our retirement plan clients. Vanessa has over 20 years of experience in the retirement plan industry, most
- [Home](https://gocanalbank.com/home/) - Canal Bank is a division of Chemung Canal Trust Company, the oldest locally owned and managed community bank in New York, blending tradition with innovation.
- [Business Checking](https://gocanalbank.com/business-checking/) - Business Checking Smart business. Smart banking. Perfect timing. At Canal Bank, we understand that no two businesses are the same. Different stages, different needs. Your business deserves financial solutions designed for where you are — today. Whether you’re a large corporation or a start up, you need a checking account that’s scaled to meet your
- [Money Market](https://gocanalbank.com/money-market/) - Money Market Accounts Smart Saving with Every Transaction. When you need competitive interest rates, check-writing convenience, and flexible transactions, our Money Market Accounts offer it all. This blend of accessibility and benefits provides access to unlimited withdrawals, competitive interest rates, eStatements, and more – designed to help you save like no other. Contact a Banking
- [Debit Cards](https://gocanalbank.com/debit-cards/) - Debit Cards Convenient and Flexible Spending. Connected to your personal checking account, you can use your Canal Bank Debit Card just about anywhere. It’s like having cash on-hand without the hassle of carrying around dollar bills. Not only does our debit card provide convenience and flexibility, but you’ll also earn points on your purchases that
- [Prestige Banking](https://gocanalbank.com/prestige-banking/) - Prestige Banking Services Personal Financial Services for Premier Clients. Navigating the complexities of financial success can be demanding. At Canal Bank, we recognize the unique challenges premier clients face. That’s why we offer Prestige Banking—an exclusive service that couples the privileges of premier banking with the personalized attention and expertise that you deserve. Your dedicated
- [Privacy & Security](https://gocanalbank.com/privacy-security/) - Privacy & Security Mobile, Internet, and Corporate Privacy Policies Mobile Privacy Policy The Company’s “GoBanking” Mobile Banking App (the “App”) – powered by Fiserv – helps customers easily manage finances on the go.The App also allows you to:View real-time balances for your accountsManage your moneyView transactions and statementsMake transfersManage your debit cardPay people with ZellePay
- [Personal Credit Cards](https://gocanalbank.com/personal-credit-cards/) - Personal Credit Cards Get the Spending Power You Need with the Convenience You Deserve. When it comes to purchasing power, our credit cards provide flexibility and convenience, like no other. Not only do they make it easy to pay in person or online, but our cards also offer a variety of benefits for you to
- [Zelle](https://gocanalbank.com/zelle/) - Zelle® MOBILIZE YOUR MONEY. Canal Bank + ZELLE® We have partnered with Zelle® to bring you a fast, safe, and easy way to send and receive money with friends, family, and people you trust using your online banking account or your mobile banking app. Funds are sent directly to the recipient’s account in a matter
- [Who We Are](https://gocanalbank.com/who-we-are/) - Who We Are Canal Bank — We are Like No Other. When it comes to you and your financial journey, it’s personal. At Canal Bank, we see beyond the numbers to the person behind the account.Our approach is simple: meet you where you are and help you reach where you want to go. No matter
- [Online Accessibility Statement](https://gocanalbank.com/online-accessibility-statement/) - Online Accessibility Statement October 21, 2024 Compliance status We firmly believe that the internet should be available and accessible to anyone and are committed to providing a website that is accessible to the broadest possible audience, regardless of ability. To fulfill this, we aim to adhere as strictly as possible to the World Wide
- [Wire Services](https://gocanalbank.com/wire-services/) - Wire Services A Fast and Secure Way to Transfer Funds. When you need to move money fast, count on Canal Bank’s wire services to deliver your funds swiftly and securely wherever they need to go. Whether you have a payment to make or need to send money internationally with confidence, our wire transfer services offer
- [Wealth Management](https://gocanalbank.com/wealth-management/) - Wealth Management Here for You and Your Financial Future. We’re here for you and your financial future. With a foundation of loyalty, integrity, and respect, our Wealth Management team will help you meet your goals with sound financial strategies tailored specifically for you. We understand that each person has unique financial priorities and goals, and
- [Wealth Account Login](https://gocanalbank.com/wealth-account-login/) - Account Login Safe and convenient access to your accounts We offer secure and convenient access to your account information online. You’ll have easy and confidential access to your accounts at any time. Only authorized individuals are able to review market valuation, account balances, and transactions, as well as download the data.To access your accounts online,
- [Trust & Estate Administration](https://gocanalbank.com/trust-estate-administration/) - Trust & Estate Administration Preserving and Managing Your Assets for Future Generations. At Canal Bank, we understand the importance of preserving and managing your assets for future generations. Our experienced team will work with you to plan and explore the best vehicles to achieve your wealth transfer goals. We prioritize open communication, ensuring that your
- [Stephanie Martelli](https://gocanalbank.com/team/stephanie-martelli/) - Stephanie Martelli, QPA, QKC, QKA® Sr. Retirement Plan Manager View All Team Stephanie Martelli joined Chemung Canal Trust Company in 2022 as a Sr. Retirement Plan Manager. Stephanie is responsible for managing and delivering our suite of administration, consulting, and compliance services to our retirement plan clients. She has over 20 years of experience in
- [Peter Capozzola, CFA](https://gocanalbank.com/team/peter-capozzola/) - Peter Capozzola, CFA Vice President / Senior Investment Officer View All Team Peter Capozzola joined Capital Bank in May of 2019 as the Senior Investment Officer in the bank’s Capital District. Peter was most recently a Vice President with Glens Falls National Bank and President of North Country Investment Advisers. Prior to Glens Falls National
- [Michael L. Hart](https://gocanalbank.com/team/michael-l-hart/) - Michael L. Hart, CTFA Vice President / Sr. Relationship Manager View All Team Michael Hart was promoted to Vice President, Senior Relationship Manager for the Wealth Management Group in 2021. He began his career at Chemung Canal Trust Company in 2008 and joined the Wealth Management Group in 2009. In 2013, Michael was promoted to
- [Michael D. Blatt, CFA, CMT](https://gocanalbank.com/team/michael-d-blatt/) - Michael D. Blatt, CFA, CMT Vice President / Sr. Investment Officer View All Team Michael D. Blatt joined Chemung Canal in 1999 as a Portfolio Manager, was elected Assistant Vice President in 2000, and was promoted to Vice- President, Senior Investment Officer in 2005. Michael has more than 30 years of analytical and investment experience.
- [Lauren Zell](https://gocanalbank.com/team/lauren-zell/) - Lauren Zell, CPC, QPA, CEBS Asst. Vice President / Sr. Retirement Plan Manager View All Team Lauren Zell joined Chemung Canal Trust Company in 2013 as a Senior Retirement Plan Manager. Lauren is responsible for managing and delivering our suite of administration, consulting, investment, education, and compliance services to our retirement plan clients. She has
- [Kevin W. Brimmer](https://gocanalbank.com/team/kevin-w-brimmer/) - Kevin W. Brimmer Assistant Vice President / Investment Officer View All Team Kevin W. Brimmer joined Chemung Canal Trust Company in 2011 as part of the Trust Operations Department within the Wealth Management Group. He joined the Investment Department in 2013 where he continues to serve as an Assistant Vice President and Investment Officer. Kevin
- [J. Edmond Morton, IV, CTFA](https://gocanalbank.com/team/j-edmond-morton/) - J. Edmond Morton, IV, CTFA Sr. Vice President / Regional Wealth Management Group Executive – Binghamton View All Team Ed Morton was named Binghamton Regional Wealth Management Group Executive in 2012 and was promoted to Senior Vice President in 2015. He joined Chemung Canal Trust Company in 2009 with 15 years of experience in the
- [Heidi Wahl](https://gocanalbank.com/team/heidi-wahl/) - Heidi Wahl, CFP Asst. Vice President / Relationship Manager View All Team Heidi Wahl joined Chemung Canal Trust Company in 2012. Prior to becoming a Relationship Manager in the Estate Administration department, she was a Financial Advisor in the CFS Group. Heidi has more than 20 years of experience in the financial services industry. She
- [Hal D. Coghill](https://gocanalbank.com/team/hal-d-coghill/) - Hal D. Coghill, CIS II®, AIF®, CLTC® Relationship Manager View All Team Hal Coghill joined Chemung Canal Trust Company in 2022 as a Relationship Manager. He is responsible for proactive management of our IRA and Individual 403(b) clients offering administrative services, investment reviews, retirement income planning, and financial planning. He spent part of his career
- [Gregory Stewart](https://gocanalbank.com/team/gregory-stewart/) - Gregory Stewart Vice President / Sr. Relationship Manager View All Team Gregory Stewart joined Chemung Canal Trust Company as a Senior Relationship Manager in 2016 and was elected Vice President the same year. In 2023 Gregory assumed the role as Senior Wealth Advisor, partnering with the Investment Services team to bring insight and solutions to
- [Christopher K. Kelly, AIF®, QPFC, QKA, CEBS](https://gocanalbank.com/team/christopher-k-kelly/) - Christopher K. Kelly, AIF®, QPFC, QKA, CEBS Sr. Vice President / Retirement Services Manager View All Team Christopher K. Kelly joined Chemung Canal Trust Company in 2011 as a Senior Retirement Plan Manager. He was promoted to Assistant Vice President in 2013 and then to Vice President and Retirement Services Department Manager in 2014. In
- [Catherine B. Crandall](https://gocanalbank.com/team/catherine-b-crandall/) - Catherine B. Crandall Sr. Vice President / Sr. Trust Officer View All Team Catherine Crandall joined Chemung Canal Trust Company in 2008 as Vice President / Sr. Trust Officer of the Trust & Estate Administration Department and was named Department Manager in 2009. She is licensed to practice law in New York, having earned a
- [Andrea McClure](https://gocanalbank.com/team/andrea-mcclure/) - Andrea McClure Asst. Vice President / Manager of Tax Services View All Team Andrea McClure joined Chemung Canal Trust Company in December 2014 as Manager of Tax Services. She has more than 25 years of experience and previously was a Senior Tax Accountant at Market Street Trust Company. Andrea has been preparing taxes for 20
- [Small Business Loans](https://gocanalbank.com/small-business-loans/) - Small Business Loans Get the Spending Power You Need to Keep Your Business Moving Forward. Running a business can be challenging! From handling the day-to-day operations to making long-term decisions on things like growth strategy — managing a business is no small feat. No one understands small business owners like we do. Our Small Business
- [Security Center](https://gocanalbank.com/security-center/) - Security Center Your Safety is Our Priority. When it comes to protecting yourself and your accounts, Canal Bank believes knowledge is power. That’s why we’ve compiled a variety of resources to help you stay safer and protect yourself from fraud and identity theft. From how to prevent it, to what to do if you are
- [Retirement Services](https://gocanalbank.com/retirement-services/) - Retirement Services Your “Peace of Mind Plan” for the Future Planning for retirement can feel overwhelming. Will I have enough? How should I save? Where do I start? We want to help you build a healthy retirement account to alleviate your concerns and bring you the peace of mind you deserve. Whether you’ve just started
- [Remote Deposit Capture](https://gocanalbank.com/remote-deposit-capture/) - Remote Deposit Capture Process Checks Electronically — Without Leaving the Office. Save time and stay focused on the work you need to do with Canal Bank’s Remote Deposit Capture. With a check scanner and your computer, Remote Deposit Capture allows you to process your check deposits electronically right from your office to Canal Bank. We
- [Rates Mortgage](https://gocanalbank.com/rates-mortgage/) - Current Rates Mortgage Rates Rates as of July 8, 2026 30 & 15yr Fixed Rates Jumbo & 15/1 ARM Rates Construction Draw Loan To learn more about our other mortgage options, please contact us at:Call us at (607) 737-3815 or toll-free at (800)836-3711 extension 3815Email us at mortgages@chemungcanal.com Get a Free Quick Quote Below
- [Our History - Wealth](https://gocanalbank.com/our-history-wealth/) - Our History Longstanding Tradition & Legacy Established in 1833, Chemung Canal Trust Company has a proud heritage in meeting the financial needs of our clients. Granted trust powers in 1903, our Wealth Management division has provided trust, investment and retirement services for clients not only in our region, but across the country and internationally.We’ve also
- [Our History](https://gocanalbank.com/our-history/) - Our History A History Like No Other. Built upon a legacy of hard work, dedication, innovation, and expertise. Where it all began. In 1833, Chemung Canal Trust Company first opened its doors to serve the people of Elmira, New York. Our mission was to become a strong and independent financial services organization that created value
- [Online & Mobile Banking](https://gocanalbank.com/online-mobile-banking/) - GoBanking Bank Like No Other. Manage Your Money Anywhere, Anytime. When it comes to financial management, we understand the importance of accessibility, convenience, and flexibility. That’s why we offer GoBanking online and mobile banking services designed to provide you with the powerful money management tools you need and the convenience you deserve. Whether you want
- [Money iQ](https://gocanalbank.com/money-iq/) - Money iQ Tools to Better Understand Your Financial Life When it comes to your financial life, the better you understand your money, the more likely you are to make sound financial decisions to make the day to day management of your money easier, and to grow your finances.Enter Money iQ. This library of videos covers
- [Lock Box Services](https://gocanalbank.com/lock-box-services/) - Lock Box Service Safe. Efficient. Smart. Streamlined. You have things to do, and spending time collecting, recording, and processing funds takes your focus away from your core operations. Now, you can collect payments safely and save time on your accounts receivables process with our Lock Box Service. Payments are sent to a P.O. Box and
- [Line of Credit](https://gocanalbank.com/line-of-credit/) - Line of Credit Financial flexibility for peace of mind. Whether you’re managing daily expenses, handling cash flow, or preparing for unexpected expenses, our Line of Credit ensures you have funds onhand, when needed. This short-term credit is attached to your Canal Bank checking account, providing convenient access to your finances, anytime. Get the peace of
- [Landlord Tenant Lease Security Service](https://gocanalbank.com/landlord-tenant-lease-security-service/) - Landlord Tenant Lease Security Service A Smart Solution for Handling and Tracking Tenant Security Deposits. At Canal Bank, we understand that as a landlord, you have a lot on your plate. From paperwork to tenant interactions, there is always something to do or someone who needs your attention. We can help! Take advantage of our
- [Investment Services](https://gocanalbank.com/investment-services/) - Investment Services Helping you Build and Secure Your Wealth, Like No Other. When it comes to building and preserving wealth, we believe in a team approach designed around your individual goals. The Canal Bank Investment Team will work closely with you to construct a portfolio that reflects your ambitions, time horizon, and risk tolerance. After
- [Hello Buffalo](https://gocanalbank.com/hello-buffalo/) - Hi, Buffalo! WELCOME TO Canal Bank Your new neighbor on Main Street in Williamsville. We’ve been around for over 190 years, but we’re all about what’s next — your next adventure, your next home, your next big dream. We’re here to be more than just your bank… we’re here to be part of your story.
- [Fraud Protection](https://gocanalbank.com/fraud-protection/) - Fraud Protection The Protection You Need for the Peace of Mind You Deserve. At Canal Bank, we understand that nothing is more important than the security of your business. And we believe you shouldn’t have to worry about unwanted hackers stealing data, funds, or other important information. After all, you have enough to do! That’s
- [Financial Planning](https://gocanalbank.com/financial-planning/) - Financial Planning Prepare For the Financial Future You Deserve. At Canal Bank, we understand that when it comes to long-term financial well-being, you need an individualized approach, industry knowledge, and proven experience. That’s why we’ve assembled a team of experts dedicated to helping our clients reach their financial goals. From goal setting to retirement and
- [FAQs](https://gocanalbank.com/faqs/) - FAQs General What is your routing number? 021301115 How can I update my contact information? You can update your contact information by calling us at 1-800-836-3711 or completing the Contact Info Form directly from our site. Where are your branches located? We have offices in New York and Pennsylvania. Visit our Locations page for a
- [FAQ Wealth Management](https://gocanalbank.com/faq-wealth-management/) - Wealth Management FAQs Frequently Asked Questions Customers may wonder how their managed assets held in the bank’s Wealth Management Group are safeguarded. Here is a brief explanation of how extensive regulation, examination, and sound practices protect a bank customer’s interests. Who Supervises My Bank? Bank Wealth Management Groups often act as both custodian and investment
- [FAQ Business Banker Tokens](https://gocanalbank.com/faq-business-banker-tokens/) - Tokens FAQs Frequently Asked Questions What is a soft token? A soft token is a secure app on a mobile device that generates a one-time password each time you log in to Business Banker. It is similar to a hard token, but allows you to use an app on your mobile device instead of a
- [EventsPage](https://gocanalbank.com/upcoming-events/) - Upcoming Events [tribe_events]
- [Docusign](https://gocanalbank.com/docusign/) - You're All Done! Thank you for signing your documents!You’ll receive a copy of your document via email once all parties have signed.
- [Digital Wallet](https://gocanalbank.com/digital-wallet/) - Digital Wallet A Simple, Convenient, and Safe Way to Pay. Take your money with you, no matter where you go — no cash needed. Save time and simplify your daily transactions with Canal Bank Digital Wallet. With a quick tap of your phone or smartwatch, you can use your Canal Bank Mastercard® credit or debit
- [Customer Support](https://gocanalbank.com/customer-support/) - Customer Support Service Like No Other OUR PLATINUM PROMISE​At Canal Bank, we believe that every dollar tells a story, and we’re committed to understanding yours. Guided by the principles of Mutual Respect, Open & Honest Communication, and Accepting Responsibility, our goal is to redefine the banking experience to bring you the quality accounts, loan solutions,
- [Customer Identification Requirements](https://gocanalbank.com/customer-identification-requirements/) - Customer Identification Requirements The USA PATRIOT Act of 2001 requires financial institutions to take extra steps to prevent fraud, identity theft, money laundering and the financing of terrorism. It requires us to obtain information from an individual or legal entity to help establish identity.This means that, when you open an account or as our regular
- [Credit Builder Loan](https://gocanalbank.com/credit-builder-loan/) - Credit Builder Loan Build a Healthy Financial Future with Strong Credit. When it comes to financial well-being, a good credit history plays an important role. Whether you’re a first-time borrower, or working on repairing damaged credit, our Credit-Builder Loan may help you establish a good credit history.How it works:Borrow any amount between $1,000 and $5,000A
- [Contact a Wealth Advisor](https://gocanalbank.com/contact-a-wealth-advisor/) - Contact Us Connect with a Wealth Management Advisor We’re here for you. If you have questions, would like to schedule an appointment, or need additional information, please complete the form below, and we will respond to you promptly. We look forward to connecting with you soon! Name *Phone *Email *Confirm Email *Street AddressCityState/ProvinceZIP / Postal
- [Commercial Loans](https://gocanalbank.com/commercial-loans/) - Commercial Loans Get the Spending Power You Need to Grow Your Business. At Canal Bank, supporting the growth of your business is what we do best. We offer a wide variety of competitive commercial loan solutions designed to help your business succeed. From commercial mortgages to business loans and equipment leasing, our team will help
- [CDs and IRAs](https://gocanalbank.com/cds-and-iras/) - CDs and IRAs Smart Savings Options for Long-Term Investments. Planning for the future? CDs and IRAs offer extended terms, interest earnings, and a smart way to build financial reserves. Whether you’re planning for retirement, or simply want a low-risk investment option, our CD and IRA investment products may be the right fit for you.Give us
- [Calculators](https://gocanalbank.com/calculator/) - Calculators A Healthy Financial Future Starts with a Goal, and a Plan to Achieve it. You know where you want to go; our job is to help you to get there. Whether it’s purchasing a new home, saving for retirement, or consolidating loans, our calculators are designed to guide you in planning a healthy financial
- [Business Banker](https://gocanalbank.com/business-banker/) - Business Banker CONVENIENT AND SECURE Stay Connected and In Control of Your Finances. At Canal Bank, we want to help you do business like no other. That’s why we offer our business clients access to our online banking platform — Business Banker.​ With Business Banker, you can keep cash flowing and stay connected to your
- [Buffalo Business](https://gocanalbank.com/buffalo-business/) - Hey, Buffalo Businesses! WELCOME TO Canal Bank Your new neighbor on Main Street in Williamsville. We’ve been around for over 190 years, but we’re all about what’s next — your next adventure, your next business expansion, your next big dream. We’re here to be more than just your bank… we’re here to be part of
- [Bill Payment](https://gocanalbank.com/bill-payment/) - Bill Payment Efficient. Easy. Secure. Benefits Saves time and money versus writing and mailing checks Easy to use calendar shows you the earliest date a payment can be received by your vendor Allows you to schedule future dated payments Most major vendors will receive their payment electronically within two business days We know time is
- [Auto Loans](https://gocanalbank.com/auto-loans/) - Auto Loans Wherever You Want to Go, We Can Help Get You There. When it comes to buying a new car or recreational vehicle, there are a lot of things to consider. Make, model, year, and color are all important, but perhaps the most important thing to keep in mind is how you’ll pay for
- [Nathan Gage](https://gocanalbank.com/team/nathan-gage/) - Nathan Gage Vice President / Retirement Plan Advisor View All Team Nathan Gage joined Chemung Canal Trust Company in 2019 as a Retirement Plan Advisor. He is responsible for working with plan sponsors and plan participants to ensure optimal outcomes with their retirement plans. Nathan has over 20 years of experience in the retirement plan
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## ElementsKit items

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