Municipal Banking Services

Your dedicated municipal banker will work closely with you to tailor an effective banking program. Our free eSolutions online banking system acts as a portal to enhanced services that save you time and money.

ACH services allow for payroll direct deposit and receiving electronic payments. Remote deposit eliminates trips to the bank. And our merchant services are offered at discounted rates. Streamline your operations with Pathfinder Commercial Bank.

Municipal Banking Services
ACH

Our eSolutions online banking system, which includes online bill pay, is complimentary. It provides secure, 24/7 access to manage accounts, transfer funds, pay bills, and more.

Municipal operations, however, typically require more advanced functions. Enhance your online capabilities with Automated Clearing House (ACH) services.

  • Make payments and deposits electronically
  • Allows direct deposit of payroll into any financial institution of employee's choice
  • Payroll deduction to any financial institution
  • Transfers between Pathfinder Bank accounts and other financial institutions
  • Make federal and state tax payments online
  • Collect donations electronically
  • Saves time and money in accounting
  • Eliminates waste and expense of paper checks
eDeposit

Utilize our eDeposit system to deposit checks without coming to the bank using a provided scanner.

  • Reduce trips to the bank
  • Fewer errors in accounting
  • Enhanced security and fraud protection
  • Consolidate deposits from multiple locations
  • Make deposits even when bank is closed*
  • Payments are processed faster
  • Automated transaction validation and balancing
  • Improved research capabilities
  • Transaction log includes check images and data

*Deposits made after bank hours and on weekends are processed the following business day.

Merchant Services
  • We provide effortless processing of credit cards, debit cards, gift cards.
  • Accept all major credit and debit cards
  • Process Electronic Benefit Transactions (EBT)
  • Provide convenience to payees
  • Quick payment authorizations
  • Daily system to capture all card transactions
  • Competitive discounts available

Pathfinder Commercial Bank is a wholly owned banking subsidiary of Pathfinder Bank. It is a New York State chartered limited purpose commercial bank and is authorized to accept deposits of municipalities, school districts, and special units of government throughout New York State.