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413.743.0001

About
ATM Cards
Debit Cards
Online Banking
Telephone Banking
Deposits Insured
Privacy

Services You Can Count On
Making your banking and money management easy and convenient is what Adams Community Bank is all about! We offer a variety of convenience services, available at no charge to account holders.

Do you need to add someone to your account? Are you having trouble balancing your checkbook? Have you lost your ATM card? Would you like to create a direct deposit or monthly bill allotment? Are you new to online banking and need assistance setting up your account and scheduling bill payments? We're here to help!

In addition to these services, we offer the following for your convenience:

Safe Deposit Boxes
Wire Transfers
Travelers Checks
Night Deposit Services

Adams Community Bank ATM Card

No monthly or annual fee
Daily cash withdrawal limit of $300
24-Hour access to available funds in your Adams Community Bank checking account or statement savings account
All transactions recorded on a monthly statement
Make cash withdrawals, make deposits, transfer funds, balance inquiry and payments at all Adams Community Bank ATM terminals
Make cash withdrawals, transfer funds and take balance inquiries at any NYCE® or CIRRUS® terminal locations worldwide
Make deposits to your Adams Community Bank account at NYCE® ATMs that participate in the Shared Deposit Program
Make purchases at selected locations where the NYCE® logo is displayed
Adams Community Bank is a member of the SUM® surcharge network

NOTE: Due to the need for increased security measures, Adams Community Bank has restricted the use of ATM/Debit cards in selected countries. Please inquire with a customer service representative for the complete list, which may change from time to time, prior to visiting any foreign country.

Debit MasterCard

No monthly or annual fee
Daily cash withdrawal limit of $500
Accepted at over 18 million MasterCard™ merchants worldwide
24-Hour access to available funds reduces the need for checks and cash
All transactions deducted directly from your Adams Community Bank checking account
Make cash withdrawals, make deposits, transfer funds, balance inquiry and payments at all Adams Community Bank ATM terminals
All the functionality of a standard Adams Community Bank ATM card
All transactions recorded on a monthly statement

NOTE: Due to the need for increased security measures, Adams Community Bank has restricted the use of ATM/Debit cards in selected countries and states. Please inquire with a customer service representative for the complete list, which may change from time to time, prior to visiting any foreign country. We are sorry for any inconvenience this may cause. We take your account security very seriously and encourage you to contact us prior to traveling.

24-Hour Internet Banking

Adams Community Bank's goal is to make managing your money as easy and convenient as possible...So you can spend time on the important things in your life. Online Banking enables you to take care of all your banking – pay bills, transfer funds, check account balances – with the click of a mouse.

It’s Free and Easy to:

Check balances - anytime, day or night.
Review your account statements to confirm deposits and checks cleared, to view all ATM, POS, and Online transactions, or to reconcile your accounts.
Download statement information to popular money management software packages such as Quicken^®.
Transfer funds between your Adams Community Bank accounts.
Communicate with our customer service representatives via e-mail.

And Pay Bills Online – It’s Free!

Once you try Online Banking, you’ll want to add the convenience of Online Bill Payment.
Pay your bills today, next week, while you’re on vacation, or set up recurring payments of fixed amounts.
Pay almost anyone - from the phone company to the person who delivers your newspaper.
Pay multiple bills at one time.

Don't Forget eStatements!

Receive your monthly statement online rather than through the mail! It's a great way to cut down on the clutter.
Save paper and save time!

Try It Today!

Now you can give Online Banking a try. Click here to try our online demo.
Want to try Online Bill Payment? Click here for our Bill Payment demo.

Bank by Phone at 888-338-7272

Toll free 24-hour access to funds using a touch tone phone
No annual, monthly or per transaction fees
Make loan payments
Obtain account information including:
- Current balance
- Last five deposits
- Last five withdrawals
- Checks cleared
- Debit MasterCard and ATM Card transactions
- Transfer funds between designated accounts

Deposits Insured in Full

At Adams Community Bank every deposit is insured in full. The Federal Deposit Insurance Corporation's (FDIC) standard deposit insurance amount is $250,000 per depositor, for each account ownership category.

All deposits above that amount are insured by the Depositors Insurance Fund of Massachusetts (DIF).

Please note that higher FDIC coverage amounts are available under certain circumstances, depending on account ownership structuring and other factors. (For example, a joint account is insured separately from either of the owners’ individual accounts.) For more information please visit the FDIC’s website at www.fdic.gov/consumers/.

We Know You Care about Your Financial Privacy

Adams Community Bank has been committed to the principle that maintaining the privacy and integrity of a person’s personal and financial information is fundamental to retaining customer trust. Our officers and staff are committed to preserving the confidentiality of your information, and ensuring that safeguards and procedures are in place to protect it. We recognize that preserving the privacy of your financial affairs is one of our vital responsibilities. We have provided this brochure to disclose our privacy policy to you, and explain how we safeguard your financial information.

We Respect Your Privacy
Adams Community Bank does not reveal specific information about customers or their accounts to non-affiliated third parties that are not directly involved in providing our banking services to you, except as permitted by law or at your request. We safeguard information in the same manner for both our current and former customers. We will continue our commitment to preserve and protect your privacy as technology evolves in the twenty-first century.

Employee Access and Internal Security
All Adams Community Bank employees are required to follow the Bank’s Code of Conduct Policy as it relates to confidentiality. All customer information is considered private and privileged, and may be accessed only as needed to provide you with the finest customer service. Additionally, the Bank employs advanced security technology to safeguard all of our data and prevent unauthorized access to customer information. Access to this information occurs only in accordance with strictly defined internal security standards.

Contact Us
We want you to understand Adams Community Bank’s commitment to your privacy, and how and when we use the information you provide to us. We have established procedures to help ensure your personal and financial information is current, accurate, and complete. If you ever believe our records are not accurate, please notify us. We will promptly make appropriate corrections as needed. If you have any questions regarding these privacy principles, please contact us at: P.O. Box 306, Adams, MA 01220 or phone us at: (413) 743-0040.

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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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