Customer Support

Contact Us

Customer Support: 845-338-6322

  • Monday-Friday: 8 am - 6 pm
  • Saturday: 9 am - 2 pm

Business Banking Support: 845-943-5089
24/7 Debit Card Support: 866-440-0392
Fax: 845-339-9334

Mail: Customer Service Center
Ulster Savings Bank
PO Box 3337
Kingston, NY 12402

Street Address:
180 Schwenk Drive
Kingston, NY 12401

Telephone Banking

Can’t get to the bank to transfer funds from your savings to your checking? With telephone banking, you can:

  • Check account balance information and transaction history
  • Transfer money between eligible accounts
  • Request stop payments of checks
  • Make loan payments
  • Check rates

Convenience & Flexibility 24 hours a day... 7 days a week!

Local 845 area code: 338-0900

Toll Free: 888-579-4344

Don't speak English? Language Services offers many different languages!

Debit Card Security

Enfact - Fraud Monitoring Provider: 1-800-262-2024

We use EnFact, a fraud monitoring provider, in order to ensure your accounts are safe against various types of fraud. If your transaction is declined or your debit card is locked please contact Enfact at 1-800-262-2024. EnFact will contact you via a text message or by calling from 1-800-262-2024 to verify that the transactions made, or those attempting to be made, are coming from you and not a scammer..You need to respond to these calls, as failing to do so may leave the door open for fraud to occur or result in your card being frozen from future use in order to prevent it.


24/7 Debit Card Customer Support: 866-440-0392

  • Activate Debit Card
  • Card Replacement
  • Declined Transactions
  • Digital Wallet Tokenization
  • Fraud Prevention
  • Report Lost or Stolen Card

Holiday Schedule 2024

All Ulster Savings Bank branches will be closed on the following 2024 holidays shown below. Our ATMs, online, and telephone banking services will remain available to meet your banking needs.

New Year’s Day Monday, January 1
Martin Luther King Day Monday, January 15
President’s Day Monday, February 19
Memorial Day Monday, May 27
Juneteenth Observed Wednesday, June 19
Independence Day Thursday, July 4
Labor Day Monday, September 2
Columbus Day Monday, October 14
Veterans’ Day Monday, November 11
Thanksgiving Day Thursday, November 28
Christmas Day Wednesday, December 25

Direct Deposit

Set up direct deposit with US and get paid earlier. It's safe and secure. Open an account with US and then download the Direct Deposit form. If you already have an account with US download the Direct Deposit form, complete it, and bring it to your employer.

Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 1 day earlier than the scheduled payment date

Order Checks

Please log into your online banking account to find the link to order your checks or visit the Harland Clarke website.

Prepaid Cards

You can check the balance on your prepaid cards and prepaid gift cards, as well as view transaction history, set up direct deposit and reload your cards.


General FAQs

Ulster Savings Bank’s routing number is 221971264.

Sign up to register your account(s) for Online Banking and Mobile Banking. Once your registration has been approved, you may login and view all your account(s) online.

You can call the Contact Center 24/7 for live assistance at 866-440-0392 or call 800-472-3272 and follow the prompts.

You can call the Contact Center 24/7 at 866-440-0392 or our Customer Service Center at 845-338-6322 Monday-Friday 8 am-6 pm and Saturday 9 am-2 pm.

Please log into your online banking account to find the link to order your checks or click here.

Foreign ATM fees are assessed when a non-Ulster Savings Bank ATM is used.

Mortgage FAQs

If you have an existing Ulster Savings checking account, log into your online banking to make a transfer to your loan. If not, you can register to make an automatic one-time payment or re-occurring payments on the Mortgage Payment Options page.

Yes! Please call our Telephone Banking number at 845-338-0900 or customer service toll free at 866.440.0391. There are other ways to make a payment as well. Log in to your online banking to make a payment from your existing checking/savings account or if you don't have online banking with us, you can set up an automatic one-time or reoccurring payment on our website here.

By calling the loan servicing department at 845-338-6322, ext. 5701.

Please contact our Loan Servicing department at 845-338-6322, ext. 3338.

By calling 845-338-6322 and asking for our tax escrow department.

Please fax to 845-339-5446 or by mail to: Ulster Savings Bank, 180 Schwenk Drive, Kingston, NY 12401 Attn: Tax Escrow Department

Loan Payment Assistance

For your convenience, we have a multi-page, PDF Borrower Assistance Package available online. Please complete, print and return it to us at the address below:

Ulster Savings Bank, 180 Schwenk Drive, Kingston, N.Y. 12401

These forms can also be e-mailed to us at If you require a written copy of the Borrower Assistance Package or have any questions, please call US toll-free at 845-338-6322,ext. 3338. We look forward to assisting you.

Privacy Policy – Affiliate Marketing Opt-Out Request

If you are a customer of Ulster Savings Bank or our subsidiaries (Ulster Financial Group, Inc. or Ulster Insurance Services, Inc.), and you would like to opt out of affiliate marketing efforts, please complete the form below or contact our Deposit Operations Department at 845-338-6322, ext. 5710.

If you have any questions or concerns about your opt-out request, please contact our Customer Service Center at 845-338-6322 during regular business hours or via e-mail at

Privacy Policy Opt-Out

I have received a Privacy Notice from Ulster Savings Bank or its subsidiaries (Ulster Financial Group, Inc. or Ulster Insurance Services, Inc.) and I would like to opt out of any future affiliate marketing efforts.   Read the privacy notice here


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24/7 Debit Card Support: 866-440-0392
Calls from 800-262-2024 are from our fraud monitoring provider Enfact.
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