Member Banks, Alphabetical - A - Adirondack Bank, Utica The Adirondack Trust Company, Saratoga Springs Alden State Bank Alliance Bank, N.A., Syracuse Amalgamated Bank, New York City American Community Bank, Glen Cove Astoria Federal Savings & Loan Association, Lake Success - B - Ballston Spa National Bank Banco Popular North America, New York City Bank of Akron Bank of America, N.A. The Bank of Castile* Bank of Cattaraugus The Bank of Greene County, Catskill Bank of Holland Bank of Millbrook The Bank of New York Mellon, New York City Bank of Richmondville Bank of Smithtown Bank of Utica Berkshire Bank, Albany Bessemer Trust Company, N.A., New York City The Bridgehampton National Bank Brooklyn Federal Savings Bank Brown Brothers Harriman & Company, New York City - C - The Canandaigua National Bank & Trust Company Capital Bank & Trust Company, Albany Capital One Bank, Melville Carthage Federal Savings & Loan Association Carver Federal Savings Bank, New York City Catskill Hudson Bank, Monticello Cattaraugus County Bank, Little Valley Cayuga Lake National Bank, Union Springs Central Park Credit Bank, New York City (In Formation) CFS Bank Division* Champlain National Bank, Willsboro Chemung Canal Trust Company, Elmira Citibank, N.A., New York City* Citizens Bank of Cape Vincent Citizens National Bank, Hammond Commerce Bank, New York City Community Bank, N.A., Dewitt Community Capital Bank* Community National Bank, Great Neck Country Bank, New York City Cross County Federal Savings Bank, Middle Village - D - The Delaware National Bank of Delhi Deutsche Bank, New York City The Dime Savings Bank of Williamsburgh, Brooklyn - E - Emigrant Savings Bank, New York City Empire National Bank, Islandia Empire State Bank, N.A., Newburgh Esquire Bank, Garden City Evans National Bank, Angola - F - Fiduciary Trust Company International, New York City First Citizens National Bank, Mansfield, PA First Federal Savings of Middletown The First National Bank of Dryden The First National Bank of Groton The First National Bank of Jeffersonville The First National Bank of Long Island, Glen Head First National Bank of Scotia First Niagara Bank, Lockport First State Bank, Canisteo Five-Star Bank, Warsaw Flatbush Savings & Loan, Brooklyn Flushing Savings Bank, FSB, Lake Success Fulton Savings Bank - G - Genesee Regional Bank, Rochester Glens Falls National Bank & Trust Company* Global Bank, New York City Goldman Sachs Trust Company, N.A., New York City Greater Hudson Bank, N.A., Middletown - H - Hamptons State Bank, Southampton Herald National Bank, New York City Highland Falls Federal Savings & Loan Association HSBC Bank USA, Buffalo Hudson Valley Bank,N.A., Yonkers - J - Jamestown Savings Bank, Lakewood J.P. Morgan Chase & Co., New York City - K - KeyBank, N.A., Albany* - L - Lake Shore Bank, Dunkirk Lyons National Bank - M - Madison National Bank, Hauppauge Mahopac National Bank* Maple City Savings Bank, FSB, Hornell Market Street Trust Company, Corning Maspeth Federal Savings & Loan Association Massena Savings & Loan Association Medina Savings & Loan Association M&T Bank, Buffalo Modern Bank, N.A. - N - National Bank of Coxsackie The National Bank of Delaware County, Walton The National Union Bank of Kinderhook NBT Bank, N.A., Norwich* New York Commercial Bank, Islandia New York Community Bancorp, Inc., Westbury New York Private Bank & Trust, New York City NYNB, Bronx* The North Country Savings Bank, Canton Northfield Bank, Staten Island - O - Oneida Savings Bank Orange County Trust Company, Middletown - P - PathFinder Bank, Oswego Patriot Federal Bank, Canajoharie Pioneer Bank, Troy Provident Bank, Montebello Putnam County National Bank, Carmel Putnam County Savings Bank, Brewster - R - Rhinebeck Savings Bank, Poughkeepsie Richmond County Savings Bank* Ridgewood Savings Bank Riverside Bank, Poughkeepsie The Rome Savings Bank Rondout Savings Bank, Kingston Roosevelt Savings Bank* Roslyn Savings Bank* - S - Saratoga National Bank & Trust Company, Saratoga Springs* Savannah Bank, N.A. Savoy Bank, New York City Solvay Bank Sovereign Bank, New York City State Bank of Long Island, Jericho Sterling National Bank, New York City Steuben Trust Company, Hornell The Stissing National Bank of Pine Plains The Suffolk County National Bank, Riverhead Sunnyside Federal Savings and Loan Association of Irvington - T - TD Banknorth, New York, Glens Falls Tioga State Bank, Spencer Tompkins Financial Corporation, Ithaca* -  U - Ulster Savings Bank, Kingston United Orient Bank, New York City Upstate National Bank, Rochester USA Bank, Port Chester - V - Valley National Bank, Merchants Bank Division, New York City Victory State Bank, Staten Island - W - Wachovia, New York City Walden Federal Savings and Loan Association Walden Savings Bank, Montgomery Wallkill Valley Federal Savings and Loan Association Watertown Savings Bank The Westchester Bank, Yonkers Wilber National Bank, Oneonta *Bank is an affiliate of a multi-bank holding company