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190th Anniversary Special Offer

Let's Celebrate Together!

Take advantage of this special offer:


Open a Free Checking or 49 Forever Checking account with $190, and receive $190!


Free Checking

When we say free, we mean free!

Many banks offer free checking, yet almost all of them attach "strings." Not here. Our free checking account is absolutely free and offers additional benefits you're not likely to find elsewhere, including free online bill payment.

Other features

  • Free Chemung Canal Debit Card
  • Minimum $25 to open the account
  • UChoose Rewards
  • No maintenance or per-check fees
  • Monthly statements, eStatements are available
  • Automatic transfers to savings, IRAs, loan payments, etc.
  • No direct deposit or minimum balance requirement
  • Web Banking, Bill Pay and Mobile Banking, and 24-hour telephone banking

Get Started


49 Forever Checking

Age 49 or older? You deserve the advantages of our 49 Forever checking account, which boasts a number of special benefits. Only one person on the account needs to be 49 in order to take advantage of the benefits.

  • Free Chemung Canal Debit Card
  • Free checks
  • UChoose Rewards
  • No maintenance or per-check charges
  • $6 off any size safe deposit box rental
  • Minimum $25 to open account
  • Up to 4 non-bank ATM fees waived per month (CCTC fees only; ATM operator fees may apply)
  • Direct deposit of payroll, benefits, or social security checks
  • Online bill payment and Mobile Banking
  • eStatements available
  • Automatic transfers to a Chemung Canal savings account

Get Started


Apply online or stop into one of our offices, or call us at 800-836-3711 and open your account today!


Offer valid through May 31, 2024.  Must open a new Free Checking account or 49 Forever Checking account with $190.00 or more to receive the incentive of $190.00.  Promotion is valid only for those without a current Chemung Canal or Capital Bank retail checking relationship.  Incentives are limited to one per person, and paid only to the primary account holder.  Account must be open for six months before incentive is paid.  Incentive will be auto-credited to the account within 60 days after the six-month period ends.