It's a bank. I don't use anything other then a basic account & I'm pleased. I had some overdrafts…read moreand they let me know ASAP. They have an ATM that you can deposit money in 24/7? They have lots of locations in this area which also makes it convenient.

The worst problem with this bank, and really the deal breaker for me is the rudeness of the branch…read moremanager, Richard Lemay. Everyone else working there has been friendly to me. They are a bit unforgiving with their fees, and they don't have any ATMs except at the bank itself (and recently that one was broken). But really, the fact that they are a small, local bank outweighed any shortcomings for me until I experienced the snippy & superior attitude of the branch manager. I'm closing my account & I wouldn't recommend this bank to anyone.

Ledyard is a wonderful community bank which truly values its clients, providing attentive and…read morefriendly service & support for any banking needs!

Worst bank ever. They won't respond to my emails or the voice mails I left. My problem has not…read morebeen resolved. Bad customer service

Final Version for Review…read more I've banked for over 30 years with institutions such as Bank of America, Capital One, and JPMorgan Chase. This was my first experience working with a smaller regional bank, and it has been very different from what I'm used to. When I was buying a business in Vermont, I took a loan through National Bank of Middlebury. As an out-of-state buyer, I relied on local recommendations and expected a smooth process. However, the loan application was slow and grueling, taking much longer than I had anticipated. A few years later, I applied for another business loan, and it took only two weeks to complete the entire process -- a stark contrast to my experience with NBM. In addition to this, I've experienced repeated delays with ACH payments and outbound transfers. Transfers into NBM process quickly, but transfers out are often significantly slower than what I've experienced with larger institutions -- often taking up to two weeks. Most recently, after selling my home, a payment issued through NBM still hasn't cleared a week later. By comparison, I've moved similarly large sums from major banks, and the funds were available the next business day. Even after depositing the NBM payment into my non-NBM account, I deposited a similar sum, and it cleared within 24 hours. One other significant issue has been the bank's outdated security measures, which feel archaic compared to what I've experienced with other banks. This has made certain processes more difficult than they should be, especially when dealing with electronic transactions or interbank transfers. While I understand that many long-time local customers may be satisfied with NBM's services, my experience has been frustrating, especially when compared to the speed and efficiency of larger institutions. Based on my experience, I would not choose a small regional bank again.

Im not sure what they changed but my card has been getting decliend and locked when using it for…read morerandom purchases. Cat food at the local pet mart? declined and locked. Payment online to best buy? Declined and locked. They started using a 3rd party security group. So you have to call them first. Cards still locked. Have to call up bank of middlebury after and have them unlock it on their side. Get your card locked once and you seem to enter into this limbo start of getting locked. Is it any better than a big bank? I don't know anymore

Amazing hometown bank, so glad I picked them over Lake Sunapee Bank, which I heard was bought by a…read morebig not local bank...

From the owner: Savings,Checking,Safe Deposit Boxes,Mortgages,CD'S, Banking Services, Residential Services, ATM'S…read moreExpress Banking, 24 Hour Drive Up ATM - Serving Vermont and New Hampshire. Loan Products & Services;Apply for A Loan by Phone;Lender;Member Fdic;Your Hometown Bank

I used CNB from 2001 until late 2010, had multiple checking and a savings account with them, and…read moreheld a mortgage with them from 2006-2010. I only left after having moved 700+ miles away, and even THEN it took me two years before I finally closed my accounts. From the tellers to the loan officers, I always had such great service, and they really offered a full suite of online banking services for most of the years that I held these accounts. I've since switched over to a large, national bank in a metro area, and REALLY miss the personalized service I always got from CNB!!

Everything goes really well when we go to the bank everyone's really kind and friendly. My husband…read moreis older and they take their time explaining things to him and they don't rush us to the bank like we're just nothing like we actually like family that they really care about our banking business and

For some reason this bank has been unable to provide the executor of the decedent's account with…read morechecking account statements needed for a Probate Inventory. Months have gone by. Was told the account was purged from their system?? A request to send the information to the Executor has been ignored despite providing them with a death certificate and Probate Court Notice of Appointment of Executor. I'd love to understand what is going on.