Security Safeguards Security Safeguards my money my money 
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 SMS Text Banking
Now you can review your finances via simple text messaging on your mobile phone. Need to check your balance and look at your transactional history? Use your phone with the safety and security you’ve come to expect to truly make your money work where and when you need it. Signing up is free*. Just log into your account and register for Mobile Text Banking on the Account Services page.
*Data fees may apply from your mobile carrier. Mobile Banking
It's Free & Easy to view your account information, transfer funds and pay your bills from your mobile device! No registration is required! Just login using your existing online username and password.
* Data fees may apply from your mobile carrier.
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Adams Community Bank maintains standards and procedures to safeguard our customers’ financial and personal information. We honor our customer’s privacy, and at the same time, want to offer financial products and services to our customers for the accomplishment of their financial goals.
We not only respect your privacy and confidentiality, it is one of our most important responsibilities. We value our customers’ trust and believe that this is at the core of our relationship with you.
All depositors with Adams Community Bank are insured in full by the FDIC and the DIF—Depositors Insurance Fund. For more info, you can click on hyperlinks to their websites within our footer menu.
5—12 Years Old
ACB is a proud participant of the Savings Makes Cents program, offered through the Massachusetts State Treasurers Office, which encourages children to begin saving at an early age. The program educates students, grades kindergarten through sixth, about the basics of managing money, and makes it easy to begin banking by allowing students to open accounts and make deposits right in school.
13—17 Years Old
Having your own money is exciting… there’s so much to spend it on! But it is also important to begin saving your money. There are things you want now, but there will also be things to save for in the future. Learn to be in charge of your own money—it’s up to you not to let it go to waste! Below is a good resource for you:
STUDENTS.GOV - A Federal Government website with info and services for students and their families.
18—22 Years Old
College is a new start and it can be confusing. It can also be expensive. Now, more than ever, is a crucial time to manage your money. You need an account that is going to give you the greatest benefit. Here are some resources that might help you start thinking about college:
1) CollegeBoard - Official college planning and preparation tools to help you succeed.
2) College.gov - Learn how to pay for college, why you should go, what you need to do to get there and how to talk to your family about college.
3) FinAid - The Smart Student Guide to Financial Aid.
4) FedMoney - Free online resource on all U.S. government student financial aid programs.
5) College student budget worksheet.
A Safe Place to Keep Valuables...
Adams Community Bank offers safe deposit boxes at its Adams, Lee, North Adams and Williamstown locations. For more information, visit one of these branch offices or contact our customer service staff by calling 413-743-0001.
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NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS
By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Accounts) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all nontinterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.
For more information about FDIC insurance coverage of noninterest bearing transaction accounts, visit www.fdic.gov/deposit/deposits/unlimited/html.
However, your deposits at Adams Community Bank remain insured in full under The Depositors Insurance Fund.
ADAMS COMMUNITY BANK
ADAMSCOMMUNITY.COM
(413) 743-0001
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Continue NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE
COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.
The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.
However, your deposits at Adams Community Bank remain insured in full under The Depositors Insurance Fund.
ADAMS COMMUNITY BANK
ADAMSCOMMUNITY.COM
(413) 743-0001 Business Lending Team
| William Wheelock |
SVP, Credit Administration |
Email Bill |
(413) 749-1125 |
| Pamela Duval |
VP, Underwriting & Analysis |
Email Pam |
(413) 749-1135 |
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| Maureen Baran |
SVP, Business Development |
Email Maureen |
(413) 749-1171 |
| Pamela Duval |
VP, Underwriting & Analysis |
Email Pam |
(413) 749-1135 |
| Laurie Pelczynski |
Business Development Officer |
Email Laurie |
(413) 749-1122 |
| Kristin Bona |
Business Development Specialist |
Email Kris |
(413) 749-1165 |
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