Updates Regarding Coronavirus (COVID-19)
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We are Ready to Help!

We understand these unprecedented times are challenging. If COVID-19 is impacting you, your family or your business, Citizens Bank of Cape Vincent is here to support you and give you the assistance you need.


Relief for Consumer and Small Business Customers

We are taking steps to help relieve the financial burden to those customers who demonstrate financial hardship or who have been adversely impacted by COVID-19. The following hardship relief actions are in place and effective immediately.

  • We are temporarily waiving:
    • Late fees
    • Overdraft or insufficient fund (NSF) fees
    • Early withdrawal penalties on certificates of deposit (CDs)
    • Foreign ATM service charge fees

    PLEASE NOTE: Some of these fees may still appear but they will be credited back by the Bank promptly.


  • We are offering loan payment relief options:
    • Delay payments for up to three months upon customer request via an extension or forbearance. To make a request, please contact one of our branch locations to discuss your options or fill out a COVID-19 Loan Payment Relief Request. You can mail or drop off your request at one of our branch locations.
    • Modify existing loan terms or providing new loans on favorable terms.
    • Set-up an interest only agreement for up to three (3) months.

    PLEASE NOTE: All loan requests are subject to underwriting and approval.

Financial Assistance for Small Business Under the CARES Act

We are pleased to announce that we have partnered with Pursuit Lending (formerly NYBDC - New York Business Development Corporation) to assist our small business customers with the Paycheck Protection Program (PPP) process. The deadline to submit an application for this program has been extended to August 8th, 2020. Customers who have already applied and received funding for the Paycheck Protection Program will continue to work with the Pursuit Lending team throughout the loan forgiveness process.

Apply for the Paycheck Protection Program       Pursuit's Paycheck Protection Program Application Guide

To learn more about COVID-19 SBA relief options please visit:



We are in this Together

It’s important that you contact your banking officer to discuss any financial concerns. We are committed to serving your banking needs during this time of uncertainty. We understand that the unprecedented nature of the COVID-19 Pandemic will result in unique challenges. If you find that your situation is not addressed by the measures above, please contact us so we can
work with you to find a tailored solution. As the situation continues to change, we will be here to help.


Stay well,


Taylor Robbins

President & CEO