MUNI-BANKING

Local Bankers with a Total Package for Local Communities


PARTNERS FOR THE COMMUNITY!

  • A Customer Relationship Team: our Municipal Business Development Specialist, a Branch Manager, a Branch Administrator and You

SAVINGS OPTIONS FOR CONVENIENCE

  • Certificates of Deposit (CDs) 30 Days to 6 Months
  • Competitive Money Market and Savings Accounts.
  • Deposits secured by 3rd party collateralization*

MUNI-CHECKING

  • Free Municipal Checking Accounts with no monthly maintenance fee, no per-transaction fee, no minimum balance required
  • FREE standard-sized checks for your first order
  • Next-day availability on deposits
  • Statements are processed at the end of the month for your convenience.

TRUST AND INVESTMENT MANAGEMENT

  • We’re the only trust company headquartered in the region with over a century of trust and investment management experience.
  • For certain municipal transactions, we can act as a custodian or trustee of funds, or in an agency capacity. Your counsel will be able to work with our professionals to determine the proper financial solution.**

A SEASONED TEAM OF MUNICIPAL FINANCE PROFESSIONALS

  • A team with over 100 years of combined banking experience
  • The breadth and depth of our municipal know-how offer you a value proposition that will prove critical to your fiscal management priorities.
  • Our products and services form a comprehensive suite of financial tools unmatched by any community bank in the region.

EVEN MORE MUNI-FISCAL MANAGEMENT TOOLS

  • Bond Anticipation Notes (BAN), Tax Anticipation Notes (TAN) and Serial Bonds – a critical piece of your annual fiscal planning
  • Facilitated contact with traditional bond underwriters and bond counsel
  • Assistance with conventional financing for equipment or real estate purchases
  • Easy financial management with Online Banking, Bill Pay, and Remote Deposit service

 

* Orange Bank & Trust Company provides securities as collateral for deposits as required by the New York General Municipal Law and Banking law. Deposits are secured at a rate of 105% of total deposits and statements from a 3rd party financial institution are provided monthly. The independent financial institution will hold the securities in safekeeping collateral for municipal deposits.

**Trusts, securities, and insurance products are not FDIC insured or insured by any Federal Government entity. Not bank guaranteed. Not a deposit. May lose value. Before investing, consider your investment objectives, risks, charges, and expenses. Contact a Professional in the Trust and Investment Division for the appropriate prospectus or relevant information. Read it carefully.

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Orange Bank and Trust has a heritage and tradition of community banking for over 125 years. Our local bankers are at your service for all your financial needs whether you’re running a business or a family.

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