Bank of Utica

Bank of Utica, along with its subsidiary, provides a complete suite of commercial banking products and services to clients located in Utica, New York. The institution offers a diverse range of deposit options, including individual and corporate checking accounts, savings accounts, money market accounts, various retirement plans, health savings accounts, and certificates of deposit. Its lending portfolio is equally extensive, catering to both businesses and individuals. Commercial clients can access business lines of credit, commercial real estate loans, both short-term and extended financing, funding against accounts receivable and inventory, and participation in federal and New York State government loan programs. For personal banking, the bank provides installment loans, vehicle financing, home mortgages, and home equity loans. Furthermore, Bank of Utica offers a wide array of supplementary services. These include real-time account monitoring, efficient fund transfers and management, remote check deposit capabilities, bill payment services, immediate stop payment processing, check reconciliation, domestic wire transfers, and convenient check reordering. The bank also facilitates ACH processing, notably for payroll, and provides comprehensive online and mobile banking platforms that support online bill payment, mobile deposits, and direct deposits. Customers also benefit from debit and ATM cards, round-the-clock telephone banking support, and conventional in-branch services. Additionally, the bank strategically invests in securities. Bank of Utica was founded in 1927 and maintains its primary operations in Utica, New York.