Chemung Financial Corporation serves as the bank holding company for Chemung Canal Trust Company, a community bank founded in 1833 and headquartered in Elmira, New York. With deep historical roots in the Southern Tier of New York, the company has expanded its footprint to serve customers throughout the region, including northern Pennsylvania. Chemung Financial emphasizes relationship-driven banking by combining personalized service with modern delivery channels.
Through its subsidiary, Chemung Canal Trust Company, Chemung Financial offers a comprehensive suite of financial products and services. Deposit solutions include checking and savings accounts, money market accounts and certificates of deposit. On the lending side, the company provides residential and commercial mortgage financing, consumer loans, home equity lines of credit and business loans tailored for small- to mid-sized enterprises.
Beyond traditional banking, Chemung Financial delivers trust and wealth management services designed to help clients preserve and grow assets. Offerings include trust administration, estate settlement, investment advisory, retirement planning and fiduciary services. Digital banking platforms—such as online banking, mobile apps and remote deposit capture—supplement the company’s branch network to ensure convenient access for individual and commercial customers alike.
Governed by a board of directors and led by an executive management team with extensive experience in financial services, Chemung Financial focuses on strategic growth initiatives. These priorities include selective branch expansion in core markets, ongoing enhancements to digital capabilities and continued commitment to community engagement through local partnerships and charitable activities.
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