Community Bank, N.A., (CBNA) is a full-service financial institution and national banking subsidiary of Community Bank System, Inc. With locations across Upstate New York and Northeastern Pennsylvania, CBNA offers personal loans, mortgages, checking and savings accounts, credit and debit cards, online banking, mobile banking, commercial loans, cash management and more. In addition to a full range of retail and business banking services, the company offers comprehensive financial planning, insurance and wealth-management services.
Privacy Policy

Privacy Policy

Download our Privacy Policy in PDF (292 Kb) format

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number
  • Account balances, transaction history and checking account information
  • Credit history and payment history


How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Community Bank, N.A. chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information Does Community Bank, N.A. share? Can you limit this sharing?
For our everyday business purposes -
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes No
For our marketing purposes -
to offer our products and services to you
Yes No
For joint marketing with other financial companies Yes No
For our affiliates' everyday business purposes - information about your transactions and experiences Yes No
For our affiliates' everyday business purposes - information about your creditworthiness No We Don't Share
For our affiliates to market to you Yes Yes
For non-affiliates to market to you No We Don't Share


To Limit
Our Sharing
Fill out and submit the privacy opt out form below

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent
this notice. When you are no longer our customer, we continue to share your information as described in this

However, you can contact us at any time to limit our sharing.


Questions? Go to our website at: and click on the "Contact Us” button at the top to submit an email.


Who We Are
Who is providing this notice? Community Bank, N.A.
What We Do
How does Community Bank, N.A. protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.


How does Community Bank, N.A. collect my personal information?

We collect your personal information, for example, when you

  • Open an account or deposit money
  • Apply for a loan
  • Show your government-issued ID or show your driver's license

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only

  • Sharing for affiliates' everyday business purposes - information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market to you
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your accounts - unless you tell us otherwise.



Companies related by common ownership or control. They can be financial and non-financial companies.

  • Our affiliates include financial companies such as Community Investment Services, Inc., OneGroup NY, Inc., and Nottingham Advisors, Inc.

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Community Bank, N.A. does not share with non-affiliates so they can market to you.
Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include credit card companies.




By completing the form below and submitting it to us, you are opting out of affiliate marketing opportunities. You may also opt-out by printing our Privacy Policy and completing and mailing the mail-in form. 

We offer you the choice to opt-out for yourself only, which may be preferred by your joint account holders. To opt-out only for yourself, check the box at the left of the form below. 

Complete the form below, to include:

1. Your name
2. Address, including city, state and zip code
3. The last four digits of your Social Security Number 
4. An account number 
5. Check the box to the left, to opt-out only for yourself. This allows joint account holders to make their own decision to opt-out.


This is a secure form


If you have joint accounts, your choice will apply to everyone on your accounts unless you mark above.
Do not allow your affiliates to use my personal information to market to me.
Get in Touch

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