Award Winning Bank | Member FDIC | Commercial Loans | Full Service Banking

Access your
cash surcharge-free
at over 55,000 ATMs with
a debit card from US.

No surcharge fees applies to
USB cardholders at Ulster Savings
and Allpoint ATMs only.

Checking Account Options

Credit Card Account Login

Customer Support

Bank on Something Better!

Ulster Savings Bank is an award-winning, mutual
bank with a legacy of moving our community forward for 175 years.

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Run Your Business on the Clover Point of Sale System

$450 rebate when you act by September 30!* Clover^® is the smartest point-of-sale system built for small business owners who do it all. Whether you’re managing sales, inventory, or customer relationships, Clover gives you the tools to stay in control and keep your business growing — your way.

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Qualify for a $750 Homebuyer Credit with US

Join US for our Homebuyer Online Webinar on Tuesday, August 11, 2026, at 5:30pm. You will get an in-depth overview on how to prepare for your mortgage application, including learning the terminology and the process for qualifying for your dream home. Receive a $750* Homebuyer Credit for participating. *Certain conditions apply.

Now is a Great Time to Review Your Insurance Policies!

Do you have adequate coverage for your auto, home, life, and health needs? Our full-service insurance team will work closely with you to assess your situation, explore options, and tailor-fit a solution to meet your personal needs. With a broad range of insurance solutions from many of America’s most reputable insurance carriers, it’s easy to find affordable options.

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Receive a $100* Bonus While Building Financial Literacy Skills

Join US for our July series of Financial Literacy Workshops and you will be eligible for a $100* account bonus. This four-week in-person program will equip you with practical knowledge, skill-building opportunities, and resources you can use to manage your finances with confidence.

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Finance Your Home Improvement Projects with a Lender You Can Trust

Ulster Savings Bank has a long history of helping generations of Hudson Valley homeowners invest in their homes. Whether you’re planning a renovation, remodeling a kitchen, or tackling long-awaited upgrades, we’re here to help you find the right financing.

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Your Business Deserves the Best in Banking

We are an award-winning bank recognized for service, safety, reliability, community impact, and a great place to work. We offer your businesses personalized, smart solutions all under one roof. Switch to a bank where your business matters.

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Business line of credit in Kingston, NY | Ulster Savings Bank

Business Loans

As a business owner, we know you’re always looking for new opportunities to expand and grow your business. Ulster Savings has flexible financing options to help you figure out everything from acquiring a business to purchasing a new building, equipment or funding seasonal working capital.

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Community Matters

We have always believed in being a major driver of positive change. We understand the value of caring about the communities we serve and supporting local is at the heart of everything we do. Bank where you and your community matter.

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Dream It. Plan It. Do It.

Start your financial growth with us. We offer many financial planning services including wealth management, retirement planning, investing and life insurance. If you have the dream our experienced registered representatives can help you plan it.

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