A Letter from the President

To Our Valued Customers:

As we continuously monitor the latest news regarding the spread and impact of the COVID-19 virus, new policies & procedures are frequently being implemented/updated for the safety of our staff and customers. We value the trust you place in us and we want you to know that the health and safety of all is our top priority. That's why I am reaching out to assure you that we have plans in place to continue to support you during this time.

Our branches are ready to serve you

We actively monitor COVID-19 information and standards from the Centers for Disease Control and Prevention (CDC), and reinforce best health practices in our offices and branches. While our lobbies are closed to the public, we have processes in place to provide you with all of our banking services in a safe and sound manner.

We're cleaning our branches and ATMs extensively and frequently. We're even cleaning our money. We have invested in new ultraviolet light cash cleaners, so rest assured that the currency you receive from us is clean. We also clean our coin as it comes in from the public.

Hand sanitizer, disinfectant spray, and cleanser is readily available at each of our locations. We are regularly reinforcing the best practices recommended by the CDC.

Effective Thursday, April 16, 2020 all staff has been provided with face masks to wear in compliance with Governor Cuomo's Executive Order 202.16.

In an effort to uphold our strict safety standards, we will ask anyone (vendors and customers) entering our buildings or coming into direct contact with our staff, to properly identify themselves when they are wearing a mask.

If you've been affected by COVID-19 and need help with your banking services, please call your Relationship Manager, your local branch, or our Call Center to learn how we may help. We have knowledgeable staff ready and available to serve you during our normal business hours.

24/7 access to your accounts

The North Country Savings Bank also offers several secure, simple and convenient ways to bank with us 24/7 from your home. Through our online, bank-by-phone, and mobile app services, you may check balances, transfer funds, deposit checks or find the nearest ATM. If you are not yet enrolled in online or mobile banking, just visit www.northcountrysavings.bank or call us at: (315) 386-4533 or toll free (888) 737-4795

Be Aware

You should know that the COVID-19 virus could accelerate the activities of cyber criminals who prey upon the public's concerns. These criminals look for ways to gain trust and information they can use to obtain access to your accounts. If we legitimately reach out to you via phone, email, or written correspondence, we will never ask you to provide or verify your: full Social Security or account numbers; one-time password; username or password: or answers to security questions over the phone.

We Care

Lastly and most importantly, our customers, our communities, and our employees and their families are our priority. Please feel free to contact us with concerns regarding any of your accounts.

I also recommend visiting our website for up-to date information regarding the availability of our services.

Thank you for choosing us to be your Bank,

Theresa A. Phalon
President & Chief Executive Officer