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*
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.