Community Bank System

Elmira Savings Bank, located in Elmira, New York, is a financial institution that offers a comprehensive range of personal and business banking services. The bank primarily focuses on attracting deposits from the public and providing various loan products, including mortgage loans secured by residential properties, consumer loans for automobiles, and commercial real estate loans. Elmira Savings Bank also provides individual and commercial customers with savings and money market accounts, certificates of deposit, checking accounts, and a suite of online and mobile banking services. Additional offerings include commercial lending, merchant services, overdraft protection, and safe deposit boxes, ensuring a well-rounded banking experience for its clients.

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, catering to consumer, business, and municipal customers. The company offers a comprehensive range of banking services, including personal and business savings accounts, home equity loans, lines of credit, overdraft management, and cash management services. In addition, Steuben Trust provides loans and insurance, ensuring robust support for various financial needs. The firm also engages in wealth management, assisting clients with education planning, retirement planning, and individualized advisory accounts to help them achieve their financial objectives. Through its diverse offerings, Steuben Trust aims to deliver effective financial solutions tailored to the unique requirements of its clientele.