Online Banking & Bill Pay
- Fast, free, and secure service with any deposit account
- Banking is more accessible; available 24/7 anywhere with internet access
- Manage a wide range of banking needs:
- Get up-to-the-minute updates on balances and transactions
- Schedule one-time or recurring transfers
- View transaction history
- View and download up to six months of account statements
- View and download check images
- Originate stop payments and view stop payment history
- Send secure messages to your banker
- Pay one-time or recurring bills whenever it's convenient for you
- Schedule payments in advance
- Make overnight bill payments*
- Save money on postage materials
- Ensure your payments are received on time
- View reports
- Have all payment recipient information in one easy place
- Receive E-bills as well as email alerts for bill arrivals, due dates, and upcoming payments
- Download to money management software such as Quicken® and Quickbooks® products
- Save valuable time; avoid extra trips to a branch
What You Need
How Much Does it Cost?
How to Enroll
Enhanced Login Security
Your Information is Secure and Private
Standard Online Banking Security Measures
Why security is important
In the information age, Bank of Cooperstown, a unit of USNY Bank, has a commitment to protect your information. While our privacy policies are the same whether you are online or not, we have extra measures in place to protect your privacy when you bank online with Bank of Cooperstown, a unit of USNY Bank.
Satisfying our customers' financial needs in a secure manner and helping them succeed financially has been a cornerstone of Bank of Cooperstown, a unit of USNY Bank, since we first opened our doors. At Bank of Cooperstown, a unit of USNY Bank, protecting our customers and their information is a top priority - one that we take very seriously.
We continue to enhance our systems and processes as online services evolve. Because no single solution can ensure online security, we have developed a layered security approach with industry-leading solutions.
We have two major objectives in selecting the right electronic safeguards:
- Protecting our customers' information
- Minimizing customer impact while providing multiple layers of protection wherever customer transactions call for added security
Security, quite simply, protects the confidentiality of your account information and prevents theft of your financial assets.
Internet security overview
It is important to verify that only authorized users log into our Online Banking system. We use multi-layered security, including password verification to ensure user authorization. We limit the number of times you can enter your password incorrectly. We monitor and record incorrect login attempts to detect suspicious activity, such as someone trying to guess your password. You play a crucial role in preventing others from logging on to your account. Never use weak passwords that are easy to guess. Examples of poorly crafted passwords are: birth dates, first names, pet names, addresses, phone numbers, and social security numbers. Never reveal your password to another person. You should periodically change your password, which is an option within our Online Banking system.
Our Enhanced Login Security provides additional peace of mind when using Bank of Cooperstown, a unit of USNY Bank, Online Banking. Enhanced Login Security strengthens security and protects against online fraud by requiring an additional authentication factor beyond your ID and password each time you login to Online Banking. This additional layer of security is a browser-based secure cookie, a piece of information that is stored on your computer and is recognized by our system when you log in.
We also time out an Online Banking session after a specified period of inactivity. This keeps others from viewing or continuing Online Banking activity if you leave your PC unattended. However, we recommend that you always sign off (log out) when you have finished your online banking.
Messages sent by e-mail may not be secured, may be intercepted by third parties and may not be immediately received by the appropriate department at Bank of Cooperstown, a unit of USNY Bank. Please do not use e-mail to send us communications that contain confidential information, which we require in writing or which need our immediate attention. Please call us instead at 315-789-1500. Be aware that a "receipt" acknowledgment on an e-mail message means only that the message has routed into the Internet, not that the message has been received by Bank of Cooperstown, a unit of USNY Bank. Urgent or confidential matters should be addressed via phone or in person. Written authorizations should be provided via U.S. mail, private delivery service (i.e. overnight delivery), or in person.
The links in this website will let the user leave the Bank of Cooperstown, a unit of USNY Bank site. The linked sites are not under the control of Bank of Cooperstown, a unit of USNY Bank, and Bank of Cooperstown, a unit of USNY Bank, IS NOT RESPONSIBLE FOR THE CONTENT AVAILABLE ON OTHER INTERNET SITES. These links are provided as a convenience to users. Access to any other Internet sites linked to this website is at the user's own risk. The inclusion of any link does not imply a recommendation or endorsement by Bank of Cooperstown, a unit of USNY Bank of the linked site.
Secure Tokens are devices issued to certain Personal Online Banking and Business Online Banking customers, who conduct monetary transactions that by their nature are considered a higher risk, such as Automated Clearing House (ACH) originations. These handheld portable devices generate a six-digit random number every 35 seconds which must be entered in order to complete transactions.
Bank Expectation of Customer Responsibilities
The security systems that are in place however, cannot protect those customers who do not follow secure and proper computer practices. It is vitally important that customers take all necessary precautions such that their computer access credentials are not compromised. This includes but is not limited to avoiding any activity that increases the likelihood of identity theft; not opening fraudulent email messages that contain harmful viruses or malware; not falling prey to social engineering whereby perpetrators obtain computer access information with direct communications via phone calls, fax, or mail; not sharing user ID and passwords with co-workers or friends; prohibiting the use of weak passwords; keeping computer anti-virus and similar programs up to date; and not falling prey to internet sales and get-rich-quick scams. Therefore Bank of Cooperstown, a unit of USNY Bank, has the expectation that each customer will take any and all reasonable precautions to reduce the likelihood of computer related fraud and the resulting financial losses.
Revised Date: October 18, 2010
Your online security is important to us. That is why we have implemented a layered security system for enhanced login security on our Personal and Business Online Banking systems. Enhanced login security will help protect against online fraud by providing additional layers of protection beyond the routine online user ID and password that you currently use to log in. It consists of three security questions and a personalized watermark feature that are used to verify your identity. They help prevent unauthorized access to your accounts and reassure you that you are at our official website.
When you are at your own computer, enter your Online Banking ID and then click submit. You should then see the watermark image that you established for your account to verify that you are using Online Banking at our website. You can then enter your Online Banking Password and know that your information is safe and secure.
If you do not recognize the watermark image, do not enter your Online Banking Password. You should double-check your Online Banking ID. If your Online Banking ID is correct and you still do not recognize the watermark image, you should contact a customer service representative at your bank.
In the event that the Online Banking system does not recognize you, you will be asked two of the original three security questions you established to verify your identity. For instance, if you are signing in from a computer our Online Banking system does not recognize, you may be asked to answer two security questions to verify your identity. When the system is confident that you are an authentic user, your watermark image will be displayed and you may proceed to enter your Online Banking Password.
The enhanced login security enrollment process is fast and easy. Once you have enrolled, you will log on to Online Banking the same way you always have, with your Online Banking User ID and Password. The enhanced login security happens behind the scenes and you are granted access as long as our system recognizes your computer.
For an additional security measure, Secure Tokens will be issued to certain Personal Online Banking and Business Online Banking customers who conduct monetary transactions that by their nature are considered a higher risk, such as Automated Clearing House (ACH) originations. These handheld portable devices generate a six-digit random number every 35 seconds which must be entered in order to complete transactions.
Your safety is our top priority. If you have any questions or concerns, please contact us at 315-789-1500 or firstname.lastname@example.org.
Get more about consumer protection
Bank of Cooperstown, a unit of USNY Bank, takes great care to ensure your identity remains safe. We provide this information as a courtesy to you.
Identity theft continues to be one of the fastest growing crimes in the United States, and has ranked as one of the top consumer concerns for the past several years. The Federal Deposit Insurance Corporation (FDIC) has produced a multimedia presentation to help consumers protect themselves from identity theft.
OnGuardOnline.gov(Opens in a new Window) provides practical tips from the federal government and the technology industry to help you be on guard against Internet fraud, secure your computer, and protect your personal information.
Reporting Suspected Fraud
StopFraud.gov(Opens in a new Window) - The Financial Fraud Enforcement Task Force maintains a wide list of resources and information dedicated to helping find and report suspected cases of financial fraud.
Latest Fraud Alerts
The Anti-Phishing Working Group (APWG)(Opens in a new Window) is the global pan-industrial and law enforcement association focused on eliminating the fraud and identity theft that result from phishing, pharming and email spoofing of all types.