The following important information is for our customers who have authorized electronic transfers. Please read this carefully and keep with your account records.
The Federal Electronic Funds Transfer Act and regulations adopted there under provide that we disclose pertinent information to you about electronic fund transfers to or from your account. Electronic funds transfers include, but are not limited to, automated teller machine transfers, point of sale transfers, E-checks, direct deposit or withdrawal of funds and transfers initiated by telephone and computer. These transfers can be used to transfer funds, pay bills, make loan payments and get information about account balances, deposits and withdrawals. It includes all transfers resulting from debit card transactions and E-checks, including those that do not involve an electronic terminal at the time of transaction.
E-Checks- With this type of transaction, a check you write is converted to an electronic transaction at the time of payment. The merchant will electronically read your check and convert it to an electronic transaction. Any disputes you have about goods and services, for which you pay with an E-check, must be settled directly with the merchant.
ACH and Wire Transfers- This disclosure is subject to Article 4A of the Uniform Commercial Code-Fund Transfers as adopted in the state in which you have your account with us. If you originate a fund transfer for which Fedwire is used, and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account holder other than the one named. You agree to be bound by automated clearinghouse association rules. These rules provide, among other things, that payments made to you, or originated by you, are provisional until final settlements made through a Federal Reserve Bank or payment is otherwise made as you provided in article 4-A-403 (a) of the Uniform Commercial Code. If we do not receive such payment, we are entitled to a refund from you in the amount credited to your account and the party originated such a payment will not be considered to have paid the amount so credited. If we receive a credit to an account you have with us by wire or ACH, we are not required to give you any notice of the payment or credit.
Documentation of Transfers- If you have arranged to have direct deposits made to your statement account at least once every 60 days from the same person or company, you can call us at 603-443-5500 or 800-707-3553 to find out whether or not the deposit has been made. You will get a monthly statement.
Right to Stop Payment- If you told us in advance to make regular payments out of your account, you can stop any of those payments. Here’s how: Call or write us using the information at the end of the disclosure in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. We will charge you for each stop payment you place in accordance with our current service charge schedule. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
Notice of Transfers Varying in Amount- If the preauthorized regular transfers from your account may vary in amount, the person you are going to pay should tell you 10 days before each payment when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits you set.
Limitations of Frequency of Transfers- Transfers from a Money Market or Statement Savings account to another account or third parties by preauthorized, automatic, telephone or computer transfer are limited to six (6) per statement cycle.
Fees- We do not charge for direct deposits or preauthorized payments from any type of account.
Customer Liability- If your statement shows unauthorized transfers from your account or if you believe that an electronic fund transfer has been made without your permission using information from your check, tell us at once. You could lose all the money in your account (plus your maximum overdraft line of credit or bounce limit). If you do not tell us within 60 days after we sent you the first statement upon which the problem appears, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as long trip or hospital stay) kept you from telling us, we will extend the time period.
Liability for Failure to make Transfers- If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
If, through no fault of ours, you do not have enough money in your account to make the transfer.
If the transfer would go over the credit limit of your overdraft line or bounce limit, if any
If your account is frozen because of a court order or some similar reason
If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
Debit Card-Automated Teller Machine or Point of Sale (POS)- Unauthorized Transfers-Liability Disclosure-Tell us at once if you believe your card or Personal Identification Number (PIN) has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit or bounce limit). If you tell us within two (2) business days, you could lose no more than $50.00 if someone used your card or PIN without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your card or PIN and we can prove we could have stopped someone from using your card without your permission, if you had told us, you could lose as much as $500.00.
Lost card, customer notifies bank within two (2) business days of discovering loss (PIN based transactions)
Lesser of $50.00 or unauthorized charges
Lost card, customer does not notify bank after discovering loss ( PIN based transactions)
Lesser of $500.00 or unauthorized charges
Unauthorized transfer appearing on periodic statement, customer notifies bank within 60 calendar days
Lesser of $50.00 or unauthorized transactions
Unauthorized transfer appearing on periodic statement, customer does not notify bank
Lesser of $500.00 or unauthorized transfers occurring prior to 60 calendar days after the statement and unlimited liability for transfers after 60 calendar days after statement.
Error Resolution Procedures- In case of errors or questions about electronic transfers: telephone or write us at the number or address given below, as soon as you can, if you think your statement or receipt is wrong, or if you need more information about a transfer listed on the statement or receipt.
We must hear from you no later than 60 days after we sent you the first statement on which the problem or error appeared. The information we will need:
Your name and account number.
Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
The dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions in writing within 10 business days.
We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or questions. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. We will tell you the results within three (3) business days after completing our investigation. You may ask for copies of the documents that we used in our investigation.
Error Resolution Concerning Point of Sale (POS) Transactions- Everything is the same except if we need more time we may take up to 90 days to investigate your complaint or questions. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. The time periods may be extended from 10 business days to 20 business days for transactions which were not initiated within a state; or occurred within 30 days after the first deposit to the new account was made.
Refund of Foreign ATM Fee- If you are physically unable to access a Mascoma Bank ATM after 5:00 PM and incur a foreign ATM fee, upon request and with evidence of the fee on a receipt it will be refunded to you.
Unauthorized Use of MasterCard Card- Effective January 1, 1998, your liability for unauthorized use of your debit card with the MasterCard logo (“your card”) when it is used as a MasterCard card will not exceed (a) $0 if all conditions set forth below have been met or (b) if those conditions have not been met, the lesser of $50.00 or the amount of money, property, labor, or services obtained by the unauthorized use before notification to us. Zero liability will apply only if (1) you can demonstrate that you have exercised reasonable care in safeguarding your card from risk of loss or theft; and (2) you have not reported two (2) or more incidents of unauthorized use to us within the preceding 12 months; and (3) your account is in good standing. “Unauthorized use” means the use of your debit card by a person, other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. Remember to report your card lost or stolen or any unauthorized transactions immediately. This will help prevent unauthorized access to your account and minimize any inconvenience. For more information, or if you have any questions, visit one of our relationship bankers at any branch location. If your card is lost or stolen, please notify Mascoma Bank immediately at 603-448-3650 or 1-888-627-2662 (1-888-Mascoma) during normal banking hours. After hours please call 1-866-546-8273.
Account Information Disclosure- We will disclose information about your account or transfers you make:
When it is necessary to complete transfers, or
In order to verify the existence and condition of your account for a third party, such as a credit bureau, or
In order to comply with government agency or court orders, or
If you give us written permission
Mailing Address, Telephone Number and Business Day Disclosure-
Our mailing address is PO Box 4399 White River Jct., VT 05001
Our telephone number is 603-448-3650 or toll free 1-888-627-2662 (1-888 MASCOMA) during business hours. Our business days are Monday through Friday, holidays are not included.
This Online Services (“Agreement”) states the terms and conditions for Mascoma Bank’s (the “Bank”) online services. In this Agreement, “you,” “your,” and “yours” refer to the person(s), business or entity that holds the account. The words “Bank,” “we,” “our,” and “us” mean Mascoma Bank.
The Internet and Mobile Banking service allows you to:
Collectively, these services are referred to as “Online Services.” Notification of the availability of additional services will be made on the Bank’s web site: www.mascomabank.com.
When you use any of the Online Services described in this Agreement, or authorize others to use them, you agree to the terms and conditions of this Agreement. You agree that the Bank may act on the verbal, written, or electronic instructions of any account owner(s), authorized signer, or Company Administrator.
You may register any type of account held at the Bank for access through Internet and Mobile Banking. When Internet and Mobile Banking is linked to one or more joint accounts, we may act on the instructions of any owner or authorized signer regarding those accounts. Each person on a joint account will be liable for
all transactions that are made on that account by all other joint account holders of the account. It is your responsibility to notify us if a signer should no longer be given access to the joint account through Internet and Mobile Banking. Notices sent to the address of one account owner are binding on all account owners.
Your use of any Online Services is affected by the agreements between you and us for your deposit and other linked accounts. Therefore, the terms and conditions in the Agreement are in addition to the Personal Accounts and Services brochure, the Fee and Service Charge Schedules, and any other credit agreements you have with us, as well as applicable rules and regulations. You should review those agreements for any fees or applicable limitations on the number of transfers you can make, and for other restrictions that may affect your use of these Online Services.
Internet and Mobile Banking is provided through our website and mobile app, which may include news, information, stock quotes, links to other merchants, and links to other websites that are provided as a convenience to you. The content and sites provided by third parties are not under our control or supervision and if you link to another site from any of our pages, you are leaving our site pages. Our privacy policies do not apply to linked sites and you should consult the privacy disclosures on that site for further information. We do not endorse, approve, certify, or control third party sites or content, nor do we guarantee the accuracy, completeness, or timeliness of the information contained in them. The products and services offered by these third parties are not products from Mascoma Bank and are not insured by any governmental agency such as the FDIC.
You agree to receive this Agreement electronically. You also agree that we may respond to you with an electronic communication to any electronic communication you send to us.
Any electronic communication sent to you by us will be considered as if it were sent by U.S. Mail, postage prepaid, and will be considered received within three
(3)calendar days of the date sent by us, regardless of whether you sign on to Internet Banking within that time frame. To the extent permissible under applicable law, any electronic communication you send to us will not be effective until we receive and have had a reasonable opportunity to act on such e-mail message. We, therefore, strongly suggest that you report all matters requiring immediate attention (for example, reports of alleged unauthorized transfers or errors) to us by telephone. We may, however, require you to provide us with written confirmation of any notice of alleged error.
For consumer accounts, the EFT information contained within this Agreement is intended to supplement our Electronic Funds Transfer Disclosure Statement as previously provided to you in printed form. If EFT information in this Agreement and the EFT Disclosure conflict, then the EFT Disclosure will control.
Account balances are available through Internet and Mobile Banking for your accounts and the balance is as of the date indicated. Your account balance may include unavailable funds. The available balance consists of funds that are readily available for withdrawal.
You can make transfers from any linked deposit accounts that do not require more than one signature for withdrawal and you must be an owner or authorized signer on each account. We reserve the right to limit the frequency and dollar amount of transactions on your accounts for security or administrative reasons. You acknowledge and agree that you are responsible for all payments and transfers. You also acknowledge and agree that, if you permit another person(s) to use Internet and Mobile Banking or give them your username and password, you are responsible for any transfers or payments the person(s) makes from your account.
Person-to Person (P2P) payments is an online payment method which allows you to transfer/pay money to other individuals. It does not require you to know the person’s account information, only their email address. This service can be used from any of your deposit accounts that are accessible through Internet and Mobile Banking. There is a daily limit of $2,500 and a per transaction fee of $2.
Bank-to-Bank (B2B) transfers allows you to transfer funds from any of your accessible deposit accounts to your account at another bank. Unlike P2P, it requires you to have authorization to the account as well as know the bank routing number and account number to perform the transfer. There is a daily limit of $5,000 and a per transaction fee of $3 for transfers out of your account(s). There is no fee when you are transferring money into your account(s) at the Bank.
The PFM service gives you the opportunity to enter and view all of your financial information with accounts that you may have at other institutions as well as with us. You can enter goals and analyze your finances as well as categorize transactions to assist with spending trends and budgets.
Your ability to transfer funds to third parties from savings and money market accounts is limited by federal regulations. You are limited to six pre-authorized electronic fund transfers, telephone transfers, checks (money market accounts only) or similar orders to third parties per statement cycle. Each transfer through any Online Service from your money market or statement savings account is counted as one of the six transfers permitted each statement period. For this reason, we do not permit use of a money market or statement savings account as your designated bill payment account. Excessive transfer fees may apply; see your account terms and conditions. Should excessive transfers continue on your money market or statement savings account; , we may close your account.
If you order us to stop payment of a preauthorized transfer three business days or more before the transfer is scheduled, and we do not do so, we will be liable for the amount of the payment that you ordered stopped, except in those instances set forth in the “Our Responsibility” section of the Agreement.
The Bank will issue you a Customer ID Number for security purposes as part of the initial registration process. The Customer ID Number will be used the first time you access the service and may be changed. You will also be given a temporary password that must be changed the first time it is used. It is important to keep your Customer ID Number and password confidential in order to prevent unauthorized transactions on your Bank accounts.
Your Customer ID Number and password are exclusively for your use, or in the case of business entities, for use by those authorized to access the accounts, pursuant to the most recent Cash Management Delegation of Authority on record with the Bank. You agree to take reasonable precautions to safeguard your Customer ID Number, username, and password.
If you forget your password, you may call us at (603) 448-3650 or (888) 627- 2662 in order to have your password reset, or use the Reset Password link on the log in screen if you have previously set up your security questions. You should change your password frequently to help protect the security of access to your accounts. You may change your password in the User Options section. Our employees will never contact you via e-mail or by telephone requesting your online password. If you are contacted by anyone requesting this information, do not provide it and contact us immediately.
A “session” is completed when you click on the “Sign Off” button, close your browser, or move to a web site outside the secure socket layer established by the Bank. The session may also be terminated if there is no activity within a set amount of time. In the event of a communications error, the session is terminated
automatically. If you have not completed your transaction before the session is terminated, you must begin the transaction again from the beginning.
|Mascoma Internet Account Access||Free*|
|Mascoma Internet Bill Payment||Free*|
*Mascoma Bank reserves the right to terminate the bill payment service if you do not use bill payment at least once within three consecutive months.
Fees are subject to change with notification as required by law.
Our Online Services fees and charges are in addition to the fees and charges that apply to your accounts with us as described in the Personal Accounts and Services brochure, the Fee and Service Charge Schedule, and any other agreements you have with us. You understand that in adding a payee or maintaining a payee list, even if no payments are scheduled, you are electing to use the Bill Payment services and therefore will be charged accordingly. You authorize us to process Bill Payment transactions and transfers according to the instructions we receive from you. You also authorize us to initiate any reversing entry or reversing file, and to debit your account at the Bank or elsewhere, in order to correct any mistaken credit entry. In addition, fees may be assessed for performing additional services through Internet and Mobile Banking, such as processing stop payment requests, check and statement copy orders and transactions that result in non-sufficient funds. Consult the Personal Accounts and Services brochures, Fee and Service Charge Schedules, and any other credit agreements you have with us for details. Finally, you should note that depending upon how you access your Internet and Mobile Banking, you may incur internet service provider fees and telephone charges.
You may access any Online Service 24-hours a day, seven days a week, except when the system is unavailable. The system may be unavailable due to scheduled and/or unscheduled maintenance and system outages. If the red stop sign appears when you attempt to log on, and you have entered your correct username and password, do not continue. Retry later; otherwise, you may be locked out and you will have to call us prior to resetting your password. We are not responsible for the unavailability of any Online Service or any indirect or consequential damages that may result from its unavailability.
Upon completion of a transaction using Internet and Mobile Banking, a reference number (for transfers) or confirmation number (for bill payments) will be given. You should record this number, along with the payee, scheduled date and transaction amount in your checkbook register (or other permanent record), because this will help in resolving any problems that may occur. No printed receipts are issued through Internet and Mobile Banking.
Information concerning all electronic transactions will be shown on your normal statement or e-statement for the account to and from which transfers or payments are made. You agree that any information downloaded by you becomes your property and responsibility.
Our bill payment service (“Bill Pay”) allows you to make payments to a third party from a checking account that you maintain at the Bank through a vendor that processes such payments (the “Bill Payment Processor”). This service allows you to make payments to virtually anyone within the United States, except where prohibited by law, payable in U.S. dollars. A checking account that requires more than one signature to make withdrawals may not be used for bill payment services.
To make payments through Bill Pay, you must request the payment from your Bank checking account. You can only make payments to a vendor that holds an account in your name. After your payment request(s) has been entered, transmit the request to us through the Bill Pay function on our website or mobile app. After we receive your payment instructions, the Bill Payment Processor will make your payment either by:
Your Bank checking account will be debited for the payment within two (2) business days following the payment send-on date.
You may also use Bill Pay to automatically pay bills that have a fixed frequency and amount. Once automatic bill payments are initially set up and transmitted, they are made without having to transmit the payment again.
If we receive more than one payment request that is for the same payee and the same dollar amount and scheduled for the same payment date, only the first payment request will be processed and all other identical payment requests will be rejected.
When you enter and transmit a payment, you authorize us to reduce the specified checking account by the amount of the payment. If there are insufficient or uncollected funds in the checking account to make a payment, we have the right to:
If your payments are blocked, you will be prevented from making more bill payments until the insufficient or uncollected funds condition is resolved. Any future-dated recurring payments scheduled for release during the time the account is blocked will not be sent. It is your responsibility to re-schedule those payments.
In any case, you are responsible for any charges we may impose as stated in the Personal Accounts and Services brochure and Fee and Service Charge Schedule. You also authorize us to deduct all applicable funds you owe us and charges from any deposit or savings account you have with us in which you have unrestricted right of withdrawal, including Certificates of Deposit, which might result in a penalty for early withdrawal. In no case will we automatically resubmit a payment for you after funds become available.
We reserve the right to refuse Bill Pay service to certain payees for any reason, including where the payee will not accept an electronic or check payment from us, or if we determine that the payee cannot process payments in a timely fashion. Anyone in the fifty (50) United States and territories who can accept a check can generally be paid using Bill Pay, with the exception of tax payments (such as federal, state, and local), court-directed payments (such as alimony and child support), and any other government related payments. Payments cannot be made to payees outside the U.S.
If a Bill Pay request includes a discrepancy between the beneficiary’s name and account number, execution of the request will occur based on the account number, even if it identifies a person different from the named beneficiary. Your obligation to pay the amount paid by the Bank as a result of your Bill Pay request is not excused in such circumstances.
The Bill Payment Processor initiates payments on the send-on date you designate when you set up a payment. Payments can be sent on all days excluding Saturdays, Sundays, and holidays observed by the Federal Reserve
Board. In cases where a payment is scheduled for a Sunday or a federal holiday (this can potentially happen on a recurring payment), the payment is sent on the preceding business day (Monday through Friday).
You may send us Bill Pay requests on any day. However, those requests will not be acted on until the following business day (Monday through Friday). Therefore, when scheduling payments on a weekend, the first day you may schedule payments (single payment or the first of a recurring payment) is the first business day following the weekend.
When establishing the send-on date, you must be aware that the payee will be in receipt of your payment within three (3) business days for funds remitted to a payee electronically and five (5) business days if the payee is paid by check. To ensure payment by a specific due date, we suggest you allow at least this much time for your payment to reach the payee and to be properly credited to your account.
Bill Payments initiated after 3:00 P.M., Eastern Time, will be sent on the next business day (excluding Saturdays, Sundays, and Federal holidays).
We reserve the right to limit the frequency and dollar amount of payments for security and regulatory reasons. The minimum amount for an individual Bill Payment transaction must be at least $1.00. No Bill Payment transactions may exceed your current balance. If you request a Bill Payment transaction that exceeds your current balance, it will not be processed. If for some reason your current balance is exceeded, additional service fees many apply. Please refer to the current fee schedule.
You may use Bill Payment to cancel a payment request that has already been transmitted or an automatic recurring payment if the payment has not already been sent. You must transmit your cancellation request online before 8:00 A.M., Eastern Time of the processing date.
If the cancellation request is not received per the above instructions, we cannot guarantee the payment will be canceled and you are responsible for the payment. If you call or write to cancel a payment, you may be charged a stop payment fee as provided in our agreement with you for the appropriate linked account.
When using the Bill Payment service to pay bills, you agree that we may debit your account to pay checks that you have authorized or authenticated, but not
signed. Submission of your username and the Password you selected will serve as the authentication for the Bank that you have authorized the transaction.
You may contact us via e-mail. However, e-mail is an inherently insecure medium. Sending a message via the “Contact” link in Internet Banking or the “Feedback” link in Mobile Banking provides a greater level of security. However, you should not use e-mail or this link to initiate transactions on your account(s). For banking transactions, please use the appropriate functions within Internet and Mobile Banking.
The Bank may, from time to time, introduce new online financial services or otherwise amend the terms of this Agreement. For consumer accounts only, we will mail or deliver a written notice to you at least 21 days before the effective date of any change in a term or condition disclosed in this Agreement, if the change would result in increased fees or charges, increased liability, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amounts of transfers, unless prior notice is not required by law. For business accounts, please consult your Personal Accounts and Services brochure and any other credit agreements you have with us for details.
You are responsible for all transfers and bill payments that you authorize using these Online Services. If you permit other persons to use the services or your password, you are responsible for any transactions they authorize from your accounts whether or not you intended that they perform these transactions. Transactions that you initiate with fraudulent intent, or someone acting with you initiates, will also be authorized transactions.
Notify us AT ONCE if you believe:
Failure to notify the Bank could cause you to lose all the money in your account.
For Consumer Accounts Only: We must hear from you no later than 60 days after we sent you the first statement on which the problem or error appeared. Please refer to our most recent Reg E disclosure which is available upon request or you may refer to the last page of your monthly bank statement.
We are responsible for completing transfer and bill payments on time according to your properly entered and transmitted instructions. However, we will not be liable:
This Agreement shall be interpreted and governed in accordance with Federal Law, and to the extent not preempted by Federal Law, with the laws of the State of New Hampshire, without regard to its choice of law provisions.
This Agreement may be amended by us from time to time and, along with the account agreements, disclosures, and other documents referenced herein, whose terms are hereby incorporated into this Agreement by reference (collectively, “Documents”), and is the entire agreement between you and us with respect to Online Services and supersedes any and all prior communications and prior agreements between you and us with respect to Internet Banking. If any provision of the Documents is inconsistent with any provision of this Agreement, the provisions of this Agreement shall control.
This Agreement remains in effect until either you or we terminate it. You may terminate this Agreement by notifying us of your intention to cancel Internet Banking via the “Contact Us” link on our website, by calling (603) 448-3650 or (888)627-2662, or by mail. To terminate Bill Payment only (and not cancel internet account access), contact the Bank at (603) 448-3650 or (888) 627-2662. We may terminate this Agreement and your participation any Online Services at any time, for any reason, including non-usage or inactivity. Although we will try to notify you in advance of our termination, we are not obligated to do so. If you terminate this Agreement, you authorize us to continue making transfers and bill payments you have previously authorized up to two (2) business days after our receipt of your cancellation request. Once we have acted upon your termination notice, we will make no further transfers or payments from your accounts, including any transfers or payments you have previously authorized. If you choose to terminate this Agreement and want to ensure that any outstanding authorized payments or transfers are not made, you should cancel all scheduled payments or transfers prior to notifying us that you are discontinuing this service. Please note that your cancellation of the Internet Banking under this Agreement does not terminate your Bank accounts. Conversely, if you close your designated transfer or bill payment Bank account(s), your Internet Online Services will end, and all unprocessed transfers and payments will be canceled.
You may contact us at (603) 448-3650 or (888) 627-2662 during business hours. You may leave a message after business hours and we will return your call as soon as possible.
You can also write us at:
P.O. Box 4399
White River Junction, VT 05001
Attn: Electronic Services Department
Also, using the “Contact” link in Internet Banking or the “Feedback” link in Mobile Banking is a very secure method of communicating with us.
The site you are being directed to belongs to Mascoma Community Development, LLC, a wholly owned subsidiary of Mascoma Bank. Products and services are offered through Mascoma Community Development, LLC, a registered certified development entity.
The following document is provided by the Small Business Administration (SBA) and is not associated with Mascoma Bank.
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