Business Services

When you establish a business relationship with us, you get the advantage of our outstanding personal service, competitive rates, and valuable resources.

Business Checking

Get a checking account that works as hard as your business does. View more about Business Checking

Business Savings

We offer flexible saving options to help your business continue to grow. View more about Business Savings

Business Credit Cards

Low rates and cash back on purchases make this the perfect business tool. View more about Business Credit Cards

Business Loans

We can provide the additional capital your business needs, from covering day-to-day operating expenses to buying or building commercial properties. View more about Business Loans

Business Membership

Every business owner needs a strong partner with a foundation in the local business community who can provide the products and services you count on to help your business grow.

Eligible Business Types:

  • Sole Proprietorship/DBA (Doing Business As)
  • Partnership
  • Subchapter “S” Corporation
  • Corporation
  • Organization
  • Limited Liability Company (LLC)
  • Limited Liability Partnership (LLP)

Requirements

  • Business accounts are available to eligible businesses located in Dutchess, Orange, or Ulster County, and registered to do business in the State of New York.
  • The business must maintain one share ($5.00) in a primary savings as a condition for membership.
  • All Officers & Authorized Signers must be present at account opening. If not available special arrangements must be made to have all documents required to open the account notarized.

Working for Your Business

Every business owner needs a strong partner with a foundation in the local business community who can provide the products and services you count on to help your business grow. We take the time to understand the needs and trends of many industries and find methods that are right for you. We look forward to providing you with safe and sound business solutions, please contact us today!

Spencer Fern, AVP of Commercial Lending

Spencer Fern

Assistant Vice President of Commercial Lending
Leitha Dickens Assistant Vice President of Commercial Lending

Leitha Oliver

Manager of Business Development

REQUIRED DOCUMENTS BY BUSINESS TYPE

Corporations

  • Valid Photo ID for all Officers & Authorized Signers (Drivers License, Passport)
  • Proof Of Residence – will be required if address on ID is not valid or is a P.O. box.
  • Written Proof of Tax ID # (TIN, FEI, or EIN)
  • Social Security Number – For all Officers & Authorized Signers
  • Articles of Incorporation – Certified by State of NY
  • Corporate Resolution – Completed & signed by the Corporate Secretary, one other Officer, & all Authorized Signers
  • Trade Name Registration ( for DBAs only)

Partnership

  • Valid Photo ID for all Partners & Authorized Signers (Drivers License, Passport)
  • Proof Of Residence – will be required if address on ID is not valid or is a P.O. box.
  • Written Proof of Tax ID # (TIN, FEI, or EIN)
  • Social Security Number -For all Partners & Authorized Signers
  • Articles of Partnership Agreement – Certified by State of NY
  • Partnership Resolution – Completed & signed by all Partners & all Authorized Signers. Note if it is a Limited Partnership the general partner must sign all required forms.
  • Trade Name Registration (for DBAs only)

Limited Liability Company LLC

  • Valid Photo ID for all Managers & Authorized Signers (Drivers License, Passport)
  • Proof Of Residence – will be required if address on ID is not valid or is a P.O. box
  • Written Proof of Tax ID # (TIN, FEI, or EIN) If the LLC has only one owner a SS# can be used
  • Social Security Number – For all Mangers & all Authorized Signers
  • Articles of Organization or Operating Agreement – Certified by State of NY
  • Limited Liability Company Authorization Resolution – Completed & signed by all Managers & all Authorized Signers
  • Trade Name Registration (for DBAs only)

Sole Proprietorship

  • Valid Photo ID for Owner & all Authorized Signers (Drivers License, Passport)
  • Proof Of Residence – will be required if address on ID is not valid or is a P.O. box.
  • Written Proof of Tax ID # (SSIN, TIN, FEI, or EIN)
  • Social Security Number – For Owner & all Authorized Signers
  • Trade Name Registration
  • Sole Proprietorship Resolution – Required only if there are other signers on the account in addition to the owner. Completed & signed by the Owner & all Authorized Signers.

We do not offer business membership to the following business types: companion, escort and dating services; massage parlors; sexual encounter clubs and organizations; drug paraphernalia sales; lotteries or raffles; businesses dealing with the occult (e.g., psychics); pornographic material; pyramid schemes, multi-level sales, etc.; check cashing stores; issuer, seller or redeemer of money orders and traveler’s checks; currency exchange business; currency dealers; convenience store, gas station or private postal service that provides wire services through Western Union or provides check cashing services; funds transfer services (e.g., wire services); casinos and card clubs; offshore corporations and banks located in tax and/or secrecy havens; and any business engaged in illegal practices.