Trusted. Local. – Landing Page – Chemung Canal Trust Company

Committed to You.

Still Here. Still Local.

From everyday banking to life’s biggest moments, we’re here to help you reach financial success — together. That’s why we offer a variety of checking & savings accounts designed to fit your lifestyle. Whether you’re looking for a no-cost, convenient option or one that earns interest, we’ll help you find the right fit for wherever you’re headed.

Find the best account for you today!

Every Chemung Canal Checking Account Includes:

Free eStatements
Free Chemung Canal Debit Card
Free UChoose Rewards^®
Free Mobile Banking**
Free Telephone Banking

If you need assistance selecting an account, call us at 800-836-3711 to speak with a Banking Specialist today.

Free Checking

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Our Free Checking account is a simple, hassle-free option that gives you access to convenient banking tools without hidden fees or complicated requirements. And yes, it’s really free!

Features

Minimum $25 to open
Free Chemung Canal Debit Card
UChoose Rewards^®
Monthly statements, eStatements available
No direct deposit or minimum balance required
No maintenance or per-check fees
Automatic transfer to savings, IRAs, loan payments, and more
Online banking, online bill pay and mobile banking, and 24-hour telephone banking

Global Checking

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Whether you’re traveling or just need flexibility, Global Checking makes it easy to access your funds from anywhere. With fee-free transactions at millions of ATMs and reimbursement of non-network ATM fees, your money is always within reach—no matter where life takes you.

Features

Minimum $25 to open
Free Chemung Canal Debit Card
Fee-free access to over 1 million ATMs worldwide
UChoose Rewards^®
Online banking, online bill payment and mobile banking
eStatements

Global 1.0 Checking

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Teaching teens how to manage money is important. Global 1.0 Checking is designed for young account holders ages 13 to 17, providing them with real-world banking experience while keeping parents involved.

Requirements and Features

Must be between the ages of 13-17 years old to open
Parent/Guardian required on account (Parents: As a joint owner, you will have complete access to your child’s checking account)
No per-check fees, no minimum balance requirement, and fee-free access to over 1 million ATMs worldwide
No incoming wire fees
Free Chemung Canal Debit Card
Online banking and eStatements
Account automatically converts to our Global 2.0 Checking Account when you turn 18; ask for complete details

Contact us today to get started!

Global 2.0 Checking

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For ages 18 to 25, Global 2.0 Checking provides the flexibility and convenience you need to manage your finances easily. With mobile banking* and fee-free access to millions of ATMs, this account grows with you as your financial needs evolve.

Requirements and Features

Must be age 18-25 to open
Fee-free access to over 1 million ATMs worldwide
No incoming wire fees
No per-check fees, no minimum balance requirement
Free Chemung Canal Debit Card
UChoose Rewards^®
Online banking, bill pay & eStatements
Mobile banking with mobile deposit
Account automatically converts to Global Checking when you turn 26; ask for complete details. Account holders are required to receive monthly eStatements and make at least five credit or signature debit card transactions during each statement cycle.

*Wireless carrier charges or data fees may apply. Certain activity required to avoid a monthly fee.

BankOn Checking

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Everyone deserves access to secure, affordable banking. BankOn Checking is a certified low-cost account that provides essential tools to help you manage your money responsibly. Whether you’re opening your first account or starting over, this account is designed to set you up for success.

Features

Minimum $25 to open an account
Free Chemung Canal Debit Card (no paper checks)
Monthly service charge: $5
Online bill payment and mobile banking eligible
Email and text alerts available
No overdraft or continuous overdraft fees
No minimum balance
Direct deposit of payroll, benefits, or social security checks
eStatements

*Bank On Certified
Chemung Canal’s BankOn Checking is certified as meeting Bank On National Account Standards for safe and affordable bank accounts with no overdraft fees.

NOW Account

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The NOW Account is designed for individuals, municipalities, nonprofits, and other eligible organizations looking to earn interest while maintaining convenient access to their funds. With a minimum investment of $1,000, this account helps you manage expenses while maximizing your earnings.

Features

Daily ledger balance of $1,000 or more earns the going interest rate and unlimited checking
Daily ledger balances below $1,000 earn no interest and are charged a $10 monthly service fee
Variable interest rate provides interest income
Convenient for paying creditors and collecting checks
Provides a complete record of expenditures for payroll and budgeting purposes

Health Savings Account (HSA)

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Medical costs can be unpredictable, even with insurance. A Health Savings Account (HSA) from Chemung Canalallows you to save tax-free for qualified healthcare expenses not covered by your High Deductible Health Plan (HDHP). This interest-bearing account gives you control over your healthcare spending today while helping you prepare for future medical needs.

Features

Savings: Save money for future medical expenses, building your funds from year to year.
Flexibility: Use for qualified medical expenses, including over-the-counter and out-of-pocket expenses.
Ownership: The HSA is yours, not your employer’s, and you can take the accumulated funds with you should you terminate employment.
Possible tax savings: The money contributed to the HSA through payroll deduction may not be subject to withholding for federal income tax nor other employment taxes. Many states, including New York, offer a similar state tax incentive.
Control: You decide how much to set aside, and which expenses are paid.

*Subject to Availability **Wireless carrier charges or data fees may apply.

Go Banking

Online & Mobile
Banking

Stay in control of your finances anytime, from anywhere.

MAKE YOU DREAM HOME A REALITY

Mortgage

When you’re ready to buy, we’re here to help with the right financing.

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*Subject to Availability **Wireless carrier charges or data fees may apply.

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