(UPDATED 10.22.20) Messages to our customers about COVID-19 Coronavirus

October 22, 2020

Small Business Administration (SBA) Paycheck Protection Program Loan Forgiveness Portal


May 29, 2020

All branch lobbies to open, Monday, June 1st

Effective Monday, June 1st, our Geneva and Penn Yan branch lobbies will be open for business and our branches will be fully staffed.
We will be taking the appropriate precautions to protect the health and safety of our employees and customers. All customers and guests who enter the building are asked to wear a mask. We will provide masks to those who do not have one. We may ask you to remove the mask briefly in order to properly identify you. Please practice social distancing at all times. We encourage customers to continue utilizing the drive-thru service at our Geneva branch. Please continue to take advantage of our online banking services, as well as the mobile banking app and SMART ATMs.
We appreciate your patience during these unprecedented times and look forward to seeing you! 




April 6, 2020

Coronavirus Aid, Relief, and Economic Security (CARES) Act

Paycheck Protection Program
The U.S. Small Business Administration (SBA) created the Paycheck Protection Program to help small business keep their workforce employed during the COVID-19 crisis.  SBA will forgive loans if all employees are kept on the payroll for eight weeks and the money is used for payroll, rent, mortgage interest, or utilities.  
As an existing SBA approved lender, Bank of the Finger Lakes can help with your application requests.  Please reach out to your banking officer or request for contact here.

In response to the Coronavirus (COVID-19) pandemic, small business owners in all U.S. states, Washington D.C., and territories are eligible to apply for an Economic Injury Disaster Loan advance of up to $10,000. To apply for a COVID-19 Economic Injury Disaster Loan, click here.

The SBA Debt Relief program will provide a reprieve to small businesses as they overcome the challenges created by this health crisis.


Geneva:  315-789-1500
Penn Yan:  315-536-4110


March 25, 2020

Financial Relief

  • If you are experiencing a financial hardship directly related to the COVID-19 pandemic, please contact us by phone, email or inquire online here so we can determine best how to assist you.  For online inquiries, please do not include account numbers, social security numbers and other private information in your inquiry.
  • Bank of the Finger Lakes will eliminate overdraft fees to any individual who can demonstrate financial hardship from COVID-19. 
  • Please contact your banking officer to discuss any financial concerns.  We are committed to serving your banking needs during this time of uncertainty.  As the situation continues to change, we will be here to help. 
  • The U.S. Small Business Administration is offering an Economic Injury Disaster Loan that small businesses in New York State are eligible for.  Small Businesses, small agricultural cooperatives, and private non-profits can apply directly on the SBA website: Click here.  
Geneva:  315-789-1500
Penn Yan:  315-536-4110
Stay updated on the latest health and safety guidelines:

March 23, 2020

We continue to evaluate ways to best help our customers with the impacts of COVID-19.  Effectively addressing customer concerns and trying to stay healthy is our primary focus right now.  Our team is here to help with your banking needs as the COVID-19 situation progresses.  We are making updates to our processes and procedures to better serve your financial needs during this time:
  • Effective 3/24/20 all customer and non-customer ATM fees will be waived until further notice.
  • Early termination fees will be waived on CD account withdrawals for transactions up to $20,000.
  • Mobile deposit is available to all mobile banking customers.  Default deposit limits can be increased as needed.
  • Please contact your banking officer with loan payment accommodation requests.  

Fraud Protection & Information Security

Bank of the Finger Lakes takes the security of our customer's non-public information very seriously.  We have policies, procedures, and controls in place to help protect against fraud. Cyber criminals will unfortunately take advantage of the pandemic.  Please be aware of potential scams and stay vigilant to protect your financial information:
  • Avoid opening unsolicited emails with links and attachments as they could contain malicious files.
  • Do not divulge your bank account, debit card, and social security numbers unless you initiated the conversation and know it is a reputable organization.
  • Be on guard for impostors who contact you claiming to be from a bank, non-profit, or other organization looking for money.
  • Call to verify.  Performing a call back to verify an email to a known phone number is the best defense.

Please reach out with any questions or concerns.  We are in this together. 

Geneva:  315-789-1500
Penn Yan:  315-536-4110


March 19, 2020

Bank of the Finger Lakes remains open

Effective 3/20/20 we will change how we do business and move to Drive Thru service only at our Geneva Branch.  The Penn Yan branch lobby will be available by appointment only.
The Geneva branch drive thru is open 8:30 AM to 5:00 PM 
Bank of the Finger Lakes continues to closely monitor the COVID-19 situation.  We are concerned the safety and well-being of our employees and customers.  Our team is available to help if you need us.  To practice social distancing and protect our team members,  we ask that customers please call  315-789-1500 or 315-536-4110 for service.

March 18, 2020

We are here for you during this challenging time

In an effort to practice social distancing and protect our team members, we ask that you help us limit our lobby traffic

We encourage our customers to utilize the following products & services we offer:


  • Night Drop Vault -  Safely leave your deposit in our vault using an envelope
  • Full Service ATM -  Make cash and check deposits at our ATM
  • Online & Mobile Banking  - Free online banking enroll now
  • Mobile Deposit – Deposit a check using your smartphone camera
  • Online Deposit Account Opening – open a checking or savings account apply now
  • Apply for a Mortgage – Online application available apply now
  • Contact Us – Our team can help with transfers, account maintenance, time deposit renewals and other account services.  Please call us at:  315-789-1500 or 315-536-4110
  • Drive Thru Banking – Full banking drive thru services available at our Geneva office at 389 Hamilton Street

March 17, 2020

To Our Valued Customers and Friends:

The Bank of the Finger Lakes team continues to monitor the Coronavirus (COVID19) situation every day.  Our business continuity team is reviewing ongoing developments from the Center for Disease Control (https://cdc.gov) and the World Health Organization (https://www.who.int/). 

We are committed to providing an environment that protects the safety of our customers and employees.  We are implementing business continuity/pandemic preparedness plans to help provide the resources and management focus necessary to provide that environment.  We’ve also updated and tested our internal emergency contact system to better prepare for possible future scenarios. 

As your trusted local community bank, we understand that access to our banking services may be critical to you.  We continue to operate all our branches with normal banking hours.  We encourage customers to utilize our drive thru banking services.  Many of our products and services also are available electronically.  If you don’t currently utilize our online/mobile banking services, I encourage you to consider signing up for them.  The ATM machines at all our offices are full-service units that accept deposits and make account transfers, besides providing cash withdrawals.  These full-service ATMs are there to give you additional flexibility outside of normal banking hours.  

We really appreciate your business and are ready to help with your financial matters during this time of uncertainty.  We take this situation seriously and know it is stressful.  We are working diligently to ensure our banking services continue to be readily available on an uninterrupted basis.  We’re in this together.

Thank you for the opportunity to be your banking partner.


Jeff Franklin, Unit President


Locations & Contacts

Geneva Office & Drive thru                         Penn Yan Office

389 Hamilton Street                                     100 Main Street

Geneva, NY 14456                                         Penn Yan, NY 14527

315-789-1500                                                 315-536-4110

Email: alerts@bankofthefingerlakes.com