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413.743.0001

A Berkshire Lending Partner Since 1869 


Adams Community Bank has been helping the Berkshires with convenient, low-cost financing since 1869. And because we’re part of your local community, we understand the day-to-day needs of the individuals and families we serve. That's why we guarantee you'll receive a decision to your loan application within 24 hours.*

Adams Community Bank has a strong record of customer satisfaction backing our Consumer Loan Programs. We offer some of the best 
rates around with terms structured to fit your budget. Check out our Loan Calculators to see how to budget and prepare.

Contact one of Adams Community Bank's
Loan Officers for your lending needs and receive the personal attention you’d expect from a local, community-oriented bank.

*24 hours or less includes Monday-Friday during normal business hours AND does not include Saturdays, Sundays or Bank Holidays. Pre-qualification decision assumes that key information is provided by the applicant.

Protect Yourself

Adams Community Bank takes the security and privacy of our customer information seriously. To that end, on these pages are some tips for protecting your personal information. Taking just a few easy precautions can help protect your financial and personal information against identity theft. Education and awareness are great first steps.

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Copy of Your Deed Scam

Berkshire residents should be aware of a scam to purchase a copy of their deed.

See More Alerts
Mortgage Loan Officers (MLO)

Finding the right home can be challenging. Applying for your mortgage shouldn't be! That's why Adams Community Bank has nine licensed Mortgage Loan Officers that would love to assist you in re-financing or applying for a mortgage.

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iSWITCH
 
Adams Community Bank's simple online process makes switching your accounts as easy as "ABC."  

Switch Now    |   Download PDFs
Recent News & Events

July 24    Morning with the Steeplecats @ Park Street Branch (9-12pm) 
July 28   Main Street Stage Backyard Tour 
July 28   Steeplecats game sponsored by Adams Community Bank 
July 30   Adams Street Fair 
Aug 15    N. Adams Mayor's Downtown Celebration
Aug 24    Adams Movie Night sponsored by Adams Community Bank 

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About Banking Smarts©

Adams Community Bank's goal is to assist customers to become more informed about their finances. Here you’ll find timely tips; audio seminars; articles; and lots of info by industry experts. We encourage you to peruse these tabs and start banking smart.

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Chat with the Experts: Rory Vaden
Rory shares how to roll up your sleeves and create the hard work mentality necessary to thrive in life today. He is a Gen Y that has made a profound impact on people of all generations on how to get over an entitled mentality and how to be responsible for the outcomes of your life.
Rory shares how to roll up your sleeves and create the hard work mentality necessary to thrive in life today. He is a Gen Y that has made a profound impact on people of all generations on how to get over an entitled mentality and how to be responsible for the outcomes of your life.

24-Hours or Less


Finding the right mortgage program is one of the most important decisions you’ll make as a homeowner, and it can also be the most confusing. Adams Community Bank is sensitive to the needs of customers and works closely with them through every step of the process. We realize how important this process is—that's why we guarantee mortgage pre-qualification decisions in 24 hours or less*, so you don't miss out on the house of your dreams.

To find out more, contact one of our

lending specialists or visit any one of our seven convenient locations.

 

*24 hours or less includes Monday-Friday during normal business hours AND does not include Saturdays, Sundays or Bank Holidays. Pre-qualification decision assumes that key information is provided by the applicant.

First-Time Home Buyers


We can help make purchasing your first home a bit easier, less stressful and more affordable.  Our First-Time Homebuyers Program features FREE mortgage pre-qualification; 95% financing programs and guidelines that can make it easier to qualify for financing.

Plus, our friendly Mortgage Loan Originators will walk you through the application process, every step of the way!

Security Safeguards
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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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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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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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Business Development Team
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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