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About Banking Smarts©


Adams Community Bank's goal is to assist you to become more informed about your finances. Below are links to timely tips; audio seminars; articles; and lots of info by industry experts. We encourage you to peruse these sections and start banking smart.

Banking Smarts Articles
Check out our articles written by industry experts on topics ranging from Tax Tips, Scams to Saving for Students.

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Alerts & Notices
Be in the know! This is the place to check out on a regular basis. We post scam alerts, industry notifications and important notices here.

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Common Terms & Acronyms
Have you ever noticed that bankers have abbreviations for everything? Here's your guide to those commonly used terms.

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Frequently Asked Questions
See a list of customer questions and our responses. Do you have a question yourself? Send it to us and we'll post it here too.

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Chat with the Experts™ Audio Files
Listen to previously recorded interviews of industry experts.

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Video Messages
Watch videos from Adams Community Bank staff and customers.

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Financial Calculators
Should you refinance? Can you afford bi-monthly mortgage payments? These calculators will assist you in answering these questions and many more.

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eNewsletter
Sign up for Adams Community Bank's electronic newsletter. Our email communication provides timely info about tips, facts, alerts, articles and events.

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Security Safeguards
Security Safeguards
my money
my money



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student aid
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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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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.

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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.

MORE
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.

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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Listen to Chat with the Experts™

David Allen Topic: Increasing personal productivity  59:51
Daniel Burrus Topic: Spotting trends and fads  59:23
Jack Canfield Topic: How to up-level everything you do 67:46
Jean Chatzky Topic: Improving your self 69:30
Dr. Stephen Covey Topic: How to establish high trust 63:35
Bob Danzing Topic: How to grow top performers 58:55
Harry Dent Topic: Understanding economic trends 64:51
Darren Hardy Topic: Successfully achieve any goal 68:48
Gary Hoover Topic: Think like an entrpreneur 64:10
Les McKeown Topic: Predictable success 60:35
Dr. Ivan Misner Topic: Business networking  60:23
Rory Vaden Topic: Creating a thriving work mentality 59:18
Chat with the Experts: Les McKeown
Les McKeown is president and CEO and author of Predictable Success.  McKeown is a leading advisor on accelerated business growth. He has started over 40 companies in his own right, and was the founding partner of an incubation consulting company that advised on the creation and growth of hundreds more organizations worldwide. McKeown will show you how to identify the pattern you’re in and how to get unstuck from it... and back to Predictable Success.
Les McKeown is president and CEO and author of Predictable Success. McKeown is a leading advisor on accelerated business growth. He has started over 40 companies in his own right, and was the founding partner of an incubation consulting company that advised on the creation and growth of hundreds more organizations worldwide. McKeown will show you how to identify the pattern you’re in and how to get unstuck from it... and back to Predictable Success.
Chat with the Experts: Darren Hardy
Darren Hardy is publisher and editorial director of SUCCESS Magazine and author of The Compound Effect. Hardy is a business leader in the success industry for two decades. He has spent time with, studied and discovered the success secrets of the most celebrated achievers on the planet.
Darren Hardy is publisher and editorial director of SUCCESS Magazine and author of The Compound Effect. Hardy is a business leader in the success industry for two decades. He has spent time with, studied and discovered the success secrets of the most celebrated achievers on the planet.
Chat with the Experts: Daniel Burrus
Daniel Burrus is considered one of the world's leading technology forecasters and business strategists. He is the founder and CEO of Burrus Research, a research and consulting firm that monitors technology driven trends to help clients better understand how technological, social and business forces are converging to create enormous, untapped opportunities.
Daniel Burrus is considered one of the world's leading technology forecasters and business strategists. He is the founder and CEO of Burrus Research, a research and consulting firm that monitors technology driven trends to help clients better understand how technological, social and business forces are converging to create enormous, untapped opportunities.
Chat with the Experts: Gary Hoover
Gary Hoover is the founder of Hoover's Inc., as well as the first book superstore, BOOKSTOP (purchased by Barnes & Noble). This session is dedicated to discussing entrepreneurship and how thinking like one can improve our lives, business and society.
Gary Hoover is the founder of Hoover's Inc., as well as the first book superstore, BOOKSTOP (purchased by Barnes & Noble). This session is dedicated to discussing entrepreneurship and how thinking like one can improve our lives, business and society.
Chat with the Experts: Ivan Misner
Dr. Ivan Misner, founder of the BNI, shares the secrets on the differences of how men and women network, as well as the the Ten Commandments of Networking a Business Event...to help you make the most of each networking opportunity.
Dr. Ivan Misner, founder of the BNI, shares the secrets on the differences of how men and women network, as well as the the Ten Commandments of Networking a Business Event...to help you make the most of each networking opportunity.
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.
Chat with the Experts: Harry S. Dent, Jr.
Harry S. Dent, Jr. is the founder and president of the H. S. Dent Foundation, a non-profit organization whose mission is Helping People Understand Change. He offers unprecedented and refreshingly understandable tools for seeing the key economic trends that will affect your life, business and investments.
Harry S. Dent, Jr. is the founder and president of the H. S. Dent Foundation, a non-profit organization whose mission is "Helping People Understand Change." He offers unprecedented and refreshingly understandable tools for seeing the key economic trends that will affect your life, business and investments.
Chat with the Experts: Bob Danzig
Bob Danzig, former nationwide head of the Hearst Newspaper Group, shares his powerful expertise on how to grow cream-of-the-crop performers. This session is for managers and those they want to turn into top performers.
Bob Danzig, former nationwide head of the Hearst Newspaper Group, shares his powerful expertise on how to grow cream-of-the-crop performers. This session is for managers and those they want to turn into top performers.
Chat with the Experts: Stephen M.R. Covey
Join Stephen M.R. Covey, author of the book The Speed of Trust, in this fast paced and engaging presentation. You'll learn the leadership benefits of TRUST and how to establish and grow a high-trust, high-performance organization.
Join Stephen M.R. Covey, author of the book The Speed of Trust, in this fast paced and engaging presentation. You'll learn the leadership benefits of TRUST and how to establish and grow a high-trust, high-performance organization.
Chat with the Experts: Jean Chatzky
Jean Chatzky, author of the book The Difference, offers a different brand of financial guidance. With trademark calm and straightforward advice she has helped millions of Americans improve their everyday lives.
Jean Chatzky, author of the book The Difference, offers a different brand of financial guidance. With trademark calm and straightforward advice she has helped millions of Americans improve their everyday lives.
Chat with the Experts: Jack Canfield
Jack Canfield is the founder and co-creator of Chicken Soup for the Soul®. As an internationally recognized leader in personal development and peak performance strategies, he has spent the last 35 years teaching millions of people how to up-level everything they do.
Jack Canfield is the founder and co-creator of Chicken Soup for the Soul®. As an internationally recognized leader in personal development and peak performance strategies, he has spent the last 35 years teaching millions of people how to up-level everything they do.
Chat with the Experts: David Allen
David has been featured in Fortune and labeled by Fast Company as the guru of personal productivity. He has over 20 years experience as a management consultant, productivity coach, and educator.
David has been featured in Fortune and labeled by Fast Company as "the guru of personal productivity." He has over 20 years experience as a management consultant, productivity coach, and educator.
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