Updates Regarding Coronavirus (COVID-19)
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Disclosure Statement


YOUR ABILITY TO WTIHDRAW FUNDS AT CITIZENS BANK OF CAPE VINCENT:  Our policy is to make funds from your deposits available to you on the same day for most of your deposits. However, funds from electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and/or we will use the funds to pay checks that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays and federal holidays. If you make a deposit before 4:00 p.m. Monday thru Wednesday or 5:00 P.M. on Thursday or Friday, we will consider that day to be the day of your deposit. However, if you make a deposit after these times or on a day we are not open, we will consider that the deposit was made on the next business day we are open.