The individuals that work at the Clayton, NY Community Bank are knowledgeable and helpful…read more However, I use banks as I must deposit paychecks as we do not have option of direct deposit of pay available to us. Prior to 30 June 2014 you had day of deposit access to $100.00 of your deposit, with full availability of remainder of deposit following day. Effective 30 June 2014 a new policy goes into effect that you will no longer have access to $100.00 of deposit until following business day. If you are a working person that deposits on a Friday after 2 in afternoon, you will not have access to initial 100.00 until possibly the following Tuesday, and not have full access to funds until Wednesday. If you are a person that is not able to be paid with direct deposit, I would not recommend this bank.

I love NFCU with with a passion. How is this possible? Aren't financial institutions things to put…read moreup with, not t love? That's what I used to think. Before I became an NFCU member. Here are the reasons I love it: 1. FREE ATMS anywhere I go. I live in Los Angeles, but never pay ATM fees. Anywhere. Why? NFCU refunds ALL my ATM fees at the end of the month. There ARE three conditions: you have to a) use direct deposit b) log on to your account at least once a month, and c) use your debit card to make purchases at least least 10 times. But these are no burden, and things I do anyway. 2. I EARN INTEREST every month on my checking account. Currently, it's paying APR 2%, but this varies based on prevailing rates. When I first signed up, I was getting 5%. Considering that some banks charge YOU fees for maintaining a checking account, this is awesome. 3. I'm putting my money in a MEMBER-OWNED, NON-PROFIT financial institution, instead of in one of the profit-hogging, fraudulent, "too-big-to-fail" financial behemoths that caused the country's ongoing financial crisis. 4. When I call CUSTOMER SERVICE, I'm immediately talking to someone sitting in an NFCU office in Watertown, and she stays with me until my problem is solved. She doesn't read a script. She doesn't transfer me to additional people. She might put me on hold while she goes to talk to someone else about my problem, but then she comes back, and she solves it. To join the credit union, you have to "live, work, or worship" in Jefferson, Lewis, or St. Lawrence Counties, OR be an immediate family member of someone who is already a member. I grew up in Jefferson county, but didn't join until I moved away. I was able to join since my dad is a member. Once you're a member, it's for life. There are also a full range of other financial services available -- personal loans, etc., which I haven't yet used. But I think their rates on those services are probably unbeatable. Join a credit union! Join any credit union you're eligible for! But if you're eligible for NFCU, no matter where you live, you're absolutely crazy not to join.

From the owner: Northern Credit Union is a Northern New York-based credit union nonprofit financial institution…read morefocused on making our members' lives and their community better. Bank with our local Northern Credit Union in Watertown, NY at 120 Factory Street, Watertown, NY 13601. Contact us to learn how we can help your finances.

Excellent customer service and friendly tellers. Close proximity to the square as well…read more I had a couple questions about my account, and they answered me very efficiently, and made sure I understood everything.

From the owner: Carthage Savings, located in Watertown, NY, has been serving the Northern New York area for more…read morethan 127 years. We are a "mutual" association, meaning we are responsible to our customers rather than stockholders, and tailor our banking and loan services to meet our customers' needs. Our Certificates of Deposit and Individual Retirement accounts offer easy and risk-free ways for you to invest and save, and our home mortgages, seasonal mortgages, and VA mortgages can make your home-owning dreams a reality. In a quest to make our customers' lives even easier, we also offer online and mobile banking, and you can even open an account or apply for a loan online.

RIVERFEST 2014. I observed as an official of the bank confronted a young military couple and told…read morethem NOT to park in their lot. The tone was angry and hostile rather than helpful and supportive. This could have been an opportunity to market what they have to offer as well as demonstrate their support of soldiers and families from the Fort Drum area. Instead, it was a visual demonstration of disdain. The couple was shooed away like vermin rather than helped to find a more appropriate parking arrangement. I had been parked for some time and was never approached. I don't look military and I had a camera and cell phone that I had been using the whole time. I don't know about their business or banking practices, but it was pretty obvious they don't support the military. I even posted this incident to my FB page because it upset me so much.