Community Bank N.A: Your Trusted Financial Partner in Olean, NY

Nestled in the heart of Olean, New York, Community Bank N.A. stands as a beacon of financial stability and community support. Rooted in the principles of personal service, financial innovation, and community engagement, the bank has emerged as a leading provider of banking and financial services for individuals, businesses, and non-profit organizations in the region.

Our Commitment to Community

Community Bank N.A. prides itself on being an integral part of the Olean community. The bank's employees are actively involved in local organizations, volunteering their time and resources to support a wide range of initiatives. The bank also makes significant contributions to local charities and non-profit organizations, shaping the fabric of the community in a meaningful way.

A Comprehensive Range of Financial Solutions

Individuals:
- Checking and savings accounts
- Personal loans
- Mortgages
- Investments and retirement planning

Businesses:
- Commercial loans
- Business checking and savings accounts
- Treasury management services
- Equipment financing

Non-Profit Organizations:
- Non-profit lending
- Grants and sponsorships
- Volunteer opportunities

Why Choose Community Bank N.A.?

• Local Ownership and Decision-Making: Unlike national banks, Community Bank N.A. is locally owned and operated, ensuring that decisions are made by individuals who understand the unique needs of the community.
• Personalized Service: Customers are not just account numbers at Community Bank N.A.; they are valued members of the community. The bank's staff takes the time to get to know each customer and provide tailored financial solutions that meet their specific needs.
• Financial Strength and Stability: Community Bank N.A. is a financially sound institution with a strong capital base. The bank has consistently received high ratings from independent rating agencies, demonstrating its ability to withstand economic downturns and provide customers with peace of mind.

Our Mission and Values

Mission: To provide exceptional financial services that empower our customers to achieve their financial goals and contribute to the prosperity of our community.

Values:

• Customer Focus
• Integrity
• Innovation
• Community Involvement
• Financial Strength

Financial Literacy and Education

Community Bank N.A. believes that financial literacy is essential for individuals to make informed financial decisions. The bank offers a variety of financial literacy programs, workshops, and resources to help customers develop their knowledge and skills in money management, saving, and investing.

Community Involvement

Community Bank N.A. is actively involved in the Olean community, supporting a wide range of organizations and initiatives. Some of the bank's recent community partnerships include:

• United Way of Cattaraugus County: Community Bank N.A. is the largest corporate donor to the United Way, which supports over 40 local non-profit organizations.
• Cattaraugus County Chamber of Commerce: The bank is a member of the Chamber and sponsors various business events and initiatives.
• Olean General Hospital Foundation: Community Bank N.A. provides financial support to the hospital foundation, which funds vital healthcare equipment and programs.

Success Stories

Local Business Thrives with Commercial Loan

A local manufacturing company needed financing to expand its operations and add new equipment. Community Bank N.A. provided a customized commercial loan tailored to the company's specific needs. The loan allowed the business to increase production, create new jobs, and contribute to the local economy.

First-Time Homebuyer Achieves Dream

A young couple dreamed of owning a home, but they were struggling to save for a down payment. Community Bank N.A. offered a special first-time homebuyer loan with a low interest rate and flexible repayment terms. The loan made it possible for the couple to purchase their first home and start a new chapter in their lives.

Non-Profit Organization Expands Services

A local non-profit organization wanted to expand its services to meet the growing needs of the community. Community Bank N.A. provided a non-profit loan that allowed the organization to renovate its facility and hire additional staff. As a result, the organization was able to provide more programs and services to those in need.

What We've Learned

From these success stories, we can learn valuable lessons about the power of financial partnership:

• Access to capital: Businesses and non-profit organizations often need access to capital to grow and make a positive impact on the community. Community banks play a vital role in providing this funding.
• Personalized solutions: Every customer's financial needs are unique. Community banks understand this and tailor their products and services to meet specific requirements.
• Local impact: Financial institutions that are deeply rooted in their communities can make a real difference by supporting local businesses, organizations, and individuals.

Common Mistakes to Avoid

When it comes to choosing a financial institution, it's important to avoid common mistakes. Here are some tips:

• Don't just go with the big banks: National banks often have impersonal service and high fees. Consider supporting local community banks that have a genuine interest in your well-being.
• Don't be afraid to ask questions: Choosing the right financial products and services can be overwhelming. Don't hesitate to ask your banker for guidance and clarification.
• Don't ignore financial literacy: Take advantage of the resources available to improve your financial knowledge. Financial literacy empowers you to make informed decisions and achieve your financial goals.

FAQs

1. What are the benefits of being a customer of Community Bank N.A.?
   - Personalized service, local decision-making, financial strength, and community involvement.

2. What types of accounts does Community Bank N.A. offer?
   - Checking accounts, savings accounts, money market accounts, and certificates of deposit.

3. Does Community Bank N.A. offer loans?
   - Yes, the bank offers personal loans, mortgages, business loans, and non-profit loans.

4. How can I get involved with Community Bank N.A. in the community?
   - Volunteer your time, attend local events, and support organizations that the bank partners with.

5. How do I contact Community Bank N.A.?
   - Visit the bank's website, call the main office at (716) 373-1400, or visit one of the convenient branch locations.

6. What are the bank's hours of operation?
   - The main office is open from 8:30 AM to 5:00 PM Monday through Friday, and the drive-up tellers are open from 8:00 AM to 6:00 PM Monday through Saturday.

7. Is Community Bank N.A. a member of the FDIC?
   - Yes, the bank is a member of the FDIC, which insures deposits up to $250,000.

8. Can I use my Community Bank N.A. debit card at other ATMs?
   - Yes, the bank's debit cards can be used at ATMs nationwide, and there is no surcharge for using out-of-network ATMs.

Call to Action

Whether you're a first-time homebuyer, a small business owner, or a non-profit organization seeking funding, Community Bank N.A. stands ready to be your trusted financial partner. Experience the difference of personalized service, financial strength, and a genuine commitment to the Olean community.

Join us today and discover how we can help you achieve your financial goals and contribute to the prosperity of our shared home.

Visit our website at www.communitybankna.com or call (716) 373-1400 to learn more.

Additional Information

Table 1: Community Bank N.A. Financial Highlights

Table 2: Community Involvement

Table 3: Financial Literacy Programs