Financial Flexibility

Banking Options

  • Online and Mobile Banking: For mobile deposit, change of address, stop payments, sending secure emails, paying your bills, transferring money and more
  • Debit Cards: If your transaction is declined, please contact Enfact, our fraud monitoring provider at 1-800-262-2024, for lost or stolen debit cards, turn your card off inside online banking and call 1-800-472-3272 
  • Bill Pay: For online or mobile bill pay questions, please use this number: 1-844-699-9741
  • Mobile Wallet: Load your debit card onto your phone for contactless transactions
  • Telephone Banking: 866-440-0391
  • Person to Person payments can be easily set up using Zelle®. 
  • New Accounts: Most new accounts can be opened online or by appointment

We are taking appointments if the above alternatives do not work for your particular situation. Please call us at 866-440-0391 or email us at to arrange your personal appointment.

Financial Enhancements

Higher ATM Cash Limits: You can now withdraw up to $750 per day from any ATM when you use your Ulster Savings Bank ATM or debit card

Direct Deposit to You Faster: Expediting direct deposit monies that flow through Ulster Savings a little bit sooner than normal in most cases, depending on where your direct deposit originates.

Excessive Transactions: Certain regulations (Reg D) limit the number of withdrawals or outgoing transfers from a savings or money market account (currently up to 6 transactions per statement cycle). We are suspending, until further notice, the limitation of transfers or withdrawals by means of: 

  • preauthorized or automatic transfer
  • telephone or online banking transactions
  • or transfers to third parties using your USB card for purchases either electronically or by check

Ulster Savings processed my paycheck direct deposit a day early today—so appreciated! 
~ 4/2/20 Facebook Message from a Happy Customer

Thank you, Ulster Savings Bank for making my payroll direct deposit available to me!  Normally I do not have access to the funds until Friday!  Ulster Savings Bank ROCKS!​
~ 4/9/20 E-mail from a Happy Customer

Waived Fees

We will be waiving the following fees:

  • ATM fees for customers using non-network owned ATMs
  • ATM fees for non-customers using Ulster Savings ATMs
  • Penalties waived for early CD withdrawals up to $20,000
  • Overdraft of funds
  • Insufficient funds
  • Uncollected funds
  • Overdraft Privilege Service
  • Continuous Overdraft
  • Savings Overdraft
  • Incoming wire fees
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