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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.


Attention local businesses!! 

Put our office in your office with our Remote Deposit service!

Remote Deposit technology from The Upstate Bank can help you take advantage of new check clearing regulations and make funds available to your business sooner.  We can save you time and money by eliminating trips to the bank and reducing your photocopying costs.  Remote Deposit is safe, secure, and reduces the risk of check fraud.

Scan checks to your account 24 hours a day, 7 days a week.  Make same day deposits Monday through Friday until 9:00 pm.  Receive faster notification of returned items.  Reduce your back office costs.

To learn more please contact us at info@upstatebank.com.  If you prefer please call us at 585-454-3450 or 800-543-9064.


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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