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Terms of Use


Opening New Accounts

Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account at The Upstate National Bank. When you open an account with us we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver's license or other identifying documents.


Web Site

The Upstate National Bank provides this web site as a resource for its customers and potential customers. We do not certify or guarantee the accuracy, completeness, efficacy, or timeliness of the information on this site. The bank does not exercise editorial control over materials and information posted by third parties onto this site or materials that are e-mailed by third parties.

The Upstate National Bank expressly disclaims liability for damages of any kind claimed by any person or organization, directly or indirectly, from the use of or reliance upon any information on this site or third party postings. This site includes links to other internet sites. These sites are independent from the bank and we do not endorse, approve, certify, or control these sites, nor the accuracy, completeness, or timeliness of information provided.

Users are solely responsible for product and service selections and vendors are solely responsible for the quality and value of their products, billing, warranty, and service.

The Upstate National Bank expressly disclaims responsibility for damages of any kind caused by any person or organization from use, reference to, or reliance upon such product, process, or service.


New....Upstate Online!

We, at The Upstate National Bank are pleased and excited to introduce to you our new online banking, Upstate Online! This new and enhanced banking system is more secure against Identity Theft with the addition of Multifactor Authentication (an enhanced, layered method of validating your identity). Also, it gives you, our customer, more viewing options and transfer capabilities. You can even personalize your individual accounts! Please call 1-800-219-6109 with any questions. As always, we will be happy to assist you. Thank you for doing business with us!


Small Business Owners / Rochester

Looking to borrow money from someone who understands your business, who lives in the same community as you, where lending decisions are made locally? Then talk to the staff in our Commercial Lending Division! They are what makes our hometown approach so special! Call Thomas O'Neil at 1-800-543-9064 to get first hand knowledge, and local expertise, for all of your conventional borrowing needs...


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