Community Bank System

Elmira Savings Bank, located in Elmira, New York, is a financial institution that focuses on providing a range of personal and business banking services. The bank attracts deposits from the public and specializes in originating mortgage loans secured by first and second liens on one-to-four family residences. In addition to mortgage loans, it offers consumer loans for automobiles and general purposes, as well as commercial real estate loans and commercial loans. Elmira Savings Bank provides various accounts, including savings and money market accounts, certificates of deposit, and checking accounts. Its services extend to online and mobile banking, debit cards, and merchant services, along with additional offerings such as overdraft protection and safe deposit boxes, catering to the needs of both individual and commercial customers.

Fringe Benefits Design specializes in providing actuarial, benefits, and consulting services on a fee-for-service basis. The company focuses on retirement plan administration and benefit consulting, catering to both employers and individuals. It offers a comprehensive suite of services that includes investment guidance, educational resources, and enrollment assistance. Additionally, Fringe Benefits Design manages recordkeeping functions tailored to the specific needs of its clients, allowing them to concentrate on their core business operations.

Steuben Trust is a financial services provider based in western New York, offering a range of banking solutions to consumers, businesses, and municipal clients. The company specializes in personal and business banking, including savings accounts, home equity loans, lines of credit, and business loans. Additionally, Steuben Trust provides cash management services and insurance products. Beyond traditional banking, the company offers wealth management services that encompass education planning, retirement planning, and individualized advisory accounts. Through these diverse offerings, Steuben Trust aims to help clients achieve their financial goals while providing essential support to local businesses.