Personal Checking

General Guidelines

Ulster Savings Bank of the Hudson Valley and its subsidiaries and parent companies respect your privacy. We want you to understand how we use the information we collect from you to provide you with the products and services that you have come to expect from us. The following Privacy Disclosure explains the procedures and policies we use.

Ulster Savings Bank collects nonpublic personal information about you from the following sources:

  • Information we receive from you on applications or other forms
  • Information about your transactions with us, our affiliates, or others
  • Information we receive from a consumer-reporting agency

Ulster Savings Bank's website consists of informational and transactional sections. The transactional section consists of all areas associated with Hometown Bank's eBank. The eBank area includes sections accessed from the "login box" link on the home page. The following discloses our information gathering and dissemination practices for each of these sections.

You can visit this site and find out about our products and services or other information without giving us any information about yourself.

We do not collect identifying information about visitors to our site. All visitors remain anonymous. Our site does not use "cookies" in any way.

While cookies can be useful for enabling a website to track which users have seen what information, many people resent the invasion of privacy they represent. Hence, our website does not use or collect cookies.

We use standard software to collect non-identifying information about our visitors, such as:

  • The type of Browser being used
  • The date and time our site was accessed
  • The IP address - This address is a unique string of numbers that identifies a computer on the Internet. These numbers are usually shown in groups separated by periods, like this: 206.231.2.20

We use this information to create summary statistics and to determine the level of interest in information available on our site.

E-mail is our preferred method of communication and we value the privilege to use it. Visitors may elect to provide us with general information via E-mail or request information via our online registration form. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations.

DO NOT include personal information in any e-mail you send to us through this website or from your computer unless it is sent in a secured message. We will never request personal information from you via e-mail.

In the online banking transactional section, a single cookie is used for the transactional session information only. A unique session number appended with a number associated with Ulster Savings Bank's information, is stored in a "session cookie" as part of the log on process. No customer or transaction data is ever placed in the cookie.

These per-session or temporary cookies are stored only for the current browsing session and are deleted from the user's computer when their browser is closed and they have confirmed their logout from the eBank service.

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. We may disclose all of the information we collect as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.

We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Customers and members of the public may receive copies of this notice of our privacy practices by contacting us at 1-800-458-8190.

Please do not send us confidential or personal information through e-mail as it is not secure.

For specific practices, please direct correspondence to:

Ulster Savings Bank of the Hudson Valley
12 Main Street
Walden, New York 12586
(845) 778-2171

In our continuing effort to protect you and your personal information we will continue to monitor and update this statement. The Customer Privacy Statement applies to individuals and businesses and we reserve the right to modify it, along with any related provisions, at any time.

×

Please Enter Your User ID

Our competitive rate mortgages have been making the dream of owning a home in the Hudson Valley come true. Call 800-249-3832 to schedule an appointment today.

Since 1919, we’ve been helping our neighbors finance the good things in life and we’re ready to do the same for you. At Ulster Savings Bank, we work together with you to tailor your loan to fit your specific needs and budget. Your dedicated loan professional is the one you can count on to be there to answer your questions, address your concerns and take the guesswork (and hassles) out of taking out a loan.

As your local Ulster Bank mortgage professionals, you can count on us to help you find the dream loan to finance your dream home. Buy or refinance your home with:

  • Low interest rate mortgages.
  • Terms from 10- to 30-years.
  • First-time homebuyer programs, including SONYMA mortgages.
  • Free preapprovals.
  • Fast and convenient local closings.

We offer a full menu of mortgage products including, mortgages through the SONYMA first-time homebuyer program.

You can check interest rates, loan programs and apply for a mortgage anytime by contacting any one of the mortgage specialists below.

NMLS Institution ID#: 782986

When it comes to checking account options in the Hudson Valley, Ulster Savings Bank strives to offer more choice, more convenience and more freedom.

No matter your stage in life or your financial goals, Ulster Savings Bank has a checking account to fit your specific needs.

All of our checking accounts require a $50 minimum opening deposit. Contact us today to open your account and to receive our detailed account disclosure.

Treasury Inspector General for Tax Administration

Press Release

January 19, 2016 TIGTA - 2016-01 Contact: Karen Kraushaar, Director of Communications (202) 622-6500

J. Russell George Urges Taxpayers to Remain on "High Alert" Expanded Outreach Effort Announced to Prevent More Losses to IRS Impersonators

WASHINGTON — The Treasury Inspector General for Tax Administration (TIGTA) urged taxpayers to remain on “High Alert” and announced additional outreach efforts to prevent them from falling victim to criminals who impersonate Internal Revenue Service and Treasury employees this filing season.

“The phone fraud scam has become an epidemic, robbing taxpayers of millions of dollars of their money,” said J. Russell George, the Treasury Inspector General for Tax Administration. “We are making progress in our investigation of this scam, resulting in the successful prosecution of some individuals associated with it over the past year,” he said, adding that over the summer, a ringleader was sentenced to more than 14 years in federal prison. “However, this is still a matter of high investigative priority.”

TIGTA continues to receive reports of thousands of contacts every month in which individuals fraudulently claiming to be IRS officials make unsolicited calls and “robocalls” to taxpayers and demanding that they send them cash, he said.

“As the tax filing season begins, it is critical that all taxpayers continue to be wary of unsolicited telephone calls and e-mails from individuals claiming to be IRS and Treasury employees,” said the Inspector General. “This scam has proven to be the largest of its kind that we have ever seen. The callers are aggressive and relentless,” he said. “Once they have your attention, they will say anything to con you out of your hard-earned cash,” George added. “We will be very aggressive in pursuing those perpetrating this fraud,” the Inspector General said. “In the meantime, we need to do even more to warn taxpayers not to fall for it,” he added.

"TIGTA’s expanded outreach initiative includes video Public Service Announcements in English and in Spanish that warn taxpayers about the scam. In addition, TIGTA is working with its partners in the public and private sector to help get the word out, both through traditional law enforcement channels and through direct outreach to associations, nongovernmental organizations, and the media."

TIGTA has received reports of roughly 896,000 contacts since October 2013 and has become aware of over 5,000 victims who have collectively paid over $26.5 million as a result of the scam, in which criminals make unsolicited calls to taxpayers fraudulently claiming to be IRS officials and demanding that they send them cash via prepaid debit cards, money orders or wire transfers from their banks.

“The number of people receiving these unsolicited calls from individuals who fraudulently claim to represent the IRS is growing at an alarming rate,” George said. “At all times, especially around the time of the tax filing season, we want to make sure that taxpayers are alerted to this scam so they are not harmed by these criminals,” he said, adding, “Do not become a victim.”

“This is a crime of opportunity, so the best thing you can do to protect yourself is to take away the opportunity,” the Inspector General added. “If someone unexpectedly calls claiming to be from the IRS and uses threatening language if you do not pay immediately, that is a sign that it is not the IRS calling, and your cue to hang up,” he said. “Again, do not engage with these callers. If they call you, hang up the telephone.”

Inspector General George noted that the scam has hit taxpayers in every State in the country. Callers claiming to be from the IRS tell intended victims they owe taxes and must pay using a pre-paid debit card, money order or a wire transfer. The scammers threaten those who refuse to pay with being charged for a criminal violation, a grand jury indictment, immediate arrest, deportation or loss of a business or driver’s license.

Here is what you need to know. The IRS generally first contacts people by mail – not by phone – about unpaid taxes and the IRS will not ask for payment using a prepaid debit card, a money order or wire a transfer. The IRS also will not ask for a credit card number over the phone. The callers who commit this fraud often:

  • Utilize an automated robocall machine.
  • Use common names and fake IRS badge numbers.
  • May know the last four digits of the victim’s Social Security Number.
  • Make caller ID information appear as if the IRS is calling.
  • Aggressively demand immediate payment to avoid being criminally charged or arrested.
  • Claim that hanging up the telephone will cause the immediate issuance of an arrest warrant for unpaid taxes.
  • Send bogus IRS e-mails to support their scam.
  • Call a second or third time claiming to be the police or department of motor vehicles, and the caller ID again supports their claim.

If you get a call from someone claiming to be with the IRS asking for a payment, here’s what to do:

If you owe Federal taxes, or think you might owe taxes, hang up and call the IRS at 800-829-1040. IRS workers can help you with your payment questions.

If you do not owe taxes, fill out the “IRS Impersonation scam” form on TIGTA’s website, www.tigta.gov, or call TIGTA at 800-366-4484.

You can also file a complaint with the Federal Trade Commission at www.FTC.gov. Add “IRS Telephone Scam" to the comments in your complaint.

TIGTA encourages taxpayers to be alert to phone and e-mail scams that use the IRS name. The IRS will never request personal or financial information by e-mail, text, or any social media. You should forward scam e-mails to phishing@irs.gov. Do not open any attachments or click on any links in those e-mails.

Taxpayers should be aware that there are other unrelated scams (such as a lottery sweepstakes winner) and solicitations (such as debt relief) that fraudulently claim to be from the IRS.

Read the U.S. Attorney’s Office Press Release.

Read more about tax scams on the official IRS website at www.irs.gov.