Bullet Points Outline Our Lobby Service Information


Champlain National Bank is once again providing local businesses with assistance in applying for the Second Draw of the Small Business Administration (SBA) Paycheck Protection Program (PPP).  Narrower in scope than the first round of PPP loans, the Second Draw’s eligibility includes the requirement to show at least a 25% revenue reduction in any calendar quarter in 2020 compared to 2019.  These loans are designed to supplement lost business income due to the Coronavirus pandemic, and may be forgiven up to the full principal amount by the SBA.

Any business is welcome to apply at Champlain National Bank, regardless of where they received their initial PPP funding.

“We have started to accept applications for the second round of PPP funding and our team is happy to help eligible businesses through the process,” said President and CEO Steven Cacchio.  “Getting these needed funds into our community is crucial to many local businesses.”

Interested businesses will be able to apply online and should contact the Bank at (518) 562-1776 to receive a link to the application.

Specifics of the program can be found on the Small Business Administration’s website: or the Department of the Treasury’s website:

Local news coverage on PPP Loans from Champlain National Bank.

Mountain Lake PBS
Steven Cacchio Extended Interview

Mountain Lake PBS
PPP Provides Loans to Businesses Hurt By Pandemic

The Sun
Second Round of PPP Funding Open to Struggling Businesses

North Country Businesses Taking Advantage of 2nd Round of PPP Loans

Press Republican
Bank: Almost Time to Apply for PPP

Quote from a PPP borrowers small business loan online application


Combatting COVID-19 Fraud
Examples of the ways that criminals are attempting to exploit COVID-19 worldwide through a variety of scams.

Security Summit Partners Warn Taxpayers of New COVID-Related Text Scam
Read about the latest text scam that tries to trick you into giving your bank account information in order to receive your Economic Impact Payment.

IRS Issues Warning About Coronavirus-Related Scams
How to watch out for schemes tied to Economic Impact Payments.

Federal Trade Commission: Coronavirus Scams
The latest Coronavirus scams, steps you can take to protect yourself, your personal information, and your wallet.

Protect Yourself Financially from the Impact of the Coronavirus
The Consumer Financial Protection Bureau describes a number of steps you can take to help protect yourself or a loved one financially, both in the short and long term.

Coronavirus cell


Thanks to amazing employees, Cindy Monty and James Moscatello, we have Champlain National Bank masks and custom ear straps!  James used his 3-D printer to create custom straps that will keep our ears more comfortable as we wear our masks all day.  Cindy took a few of our older Champlain National Bank logo shirts, cut them up, and sewed them into these beautiful masks.  We’re doing everything we can to keep everyone safe as we continue to serve our community and their financial needs.

James holding mask straps Cindy Holding a Mask


Some of our wonderfully creative employees decorated our windows for the 518 Rainbow Hunt.  It’s one of the ways we’re spreading some love and joy during this difficult time.

Heart Rainbow in Westport Window Heart Chain in Westport Window Hearts and Flowers in Westport Window Hearts in Elizabethtown Window Hearts Over the Blinds in Elizabethtown Window


Learn why Champlain National Bank made the decision to return to temporarily serving our clients at the drive-through only as local COVID cases continue to rise.

COVID Outbreak at Northern NY Nursing Home has Community on High Alert

Elizabethtown Branch Exterior


To help our neighbors during the Coronavirus pandemic, Champlain National Bank donated to local philanthropic groups focused on providing food and childcare, and assisting the elderly and the unemployed in our region.  We want to thank organizations like ADK Action and the Adirondack Foundation who used our donations to make sure no one went hungry, and that other basic needs were met during the pandemic.

Local news coverage on why the Bank has given thousands to help people in need during the pandemic.

Lake Placid News
On The Scene: Adirondack Foundation Takes the Lead

emergency food package contents SUN Fund Logo


The Economic Impact Payments are to help Americans combat the financial effects of the Coronavirus pandemic.  As always, Champlain National Bank is committed to providing the guidance and support you need so you can focus on your loved ones’ health and wellness and staying safe.  If your finances have been impacted by the pandemic, you're not alone.  We’re here to help you understand how to get your Economic Impact Payment quickly and safely.

Economic Impact Payment Top Tips:

  1. Check to see if you’re eligible.  Visit for questions on eligibility.
  2. Take steps to avoid getting a paper check so you can get your money faster without having to leave your home.  The IRS has developed a portal where consumers can check the status of their refund and provide their direct deposit information.  Visit
  3. Get in the know about avoiding fraud and scams.  Learn how to protect yourself below.

How Much Money Will I Receive?

According to the US Treasury, tax filers with adjusted gross income up to $75,000 for individuals and up to $150,000 for married couples filing joint returns will receive the full payment.  For filers with income above those amounts, the payment amount is reduced by $5 for each $100 above the $75,000/$150,000 thresholds.  Single filers with income exceeding $99,000 and $198,000 for joint filers with no children are not eligible.  Eligible taxpayers who filed tax returns for either 2019 or 2018 and provided direct deposit information will automatically receive an Economic Impact Payment of up to $1,200 for individuals or $2,400 for married couples - no additional action required.  Parents also receive $500 for each qualifying child.  If you’re not typically required to file taxes and don’t receive Social Security benefits, you’ll need to file a simple return.  Visit for more information.

Need Help Finding Your Account or Routing Number?

Champlain National Bank’s routing number is 021310407.  Your account number is the middle number on the bottom of your Champlain National Bank checks.  It is seven digits long.  If you don’t have a check handy, your account number is also on your bank statement.

Receiving You Economic Impact Payment on a Debit Card

Many of our clients received their Economic Impact Payment on a debit card and have questions about how to access their money on the card for free and/or deposit it in their bank account.  Here are a few of your options after you have activated your card.

  • Transfer the money from your Economic Impact Payment (EIP) Debit Card to your bank account.  To get started, you’ll need to visit and register.  If you click the “Login” button in the upper right hand corner of the page it will bring you to a screen that has a “Register Now” option.  You will need your routing number (Champlain National Bank’s is 021310407) and your bank account number along with your EIP Debit Card.  You will need to create a User ID and a password.  Once you are registered, select “Move Money Out” and follow the steps to set up a transfer into your bank account.
  • Bring your EIP Debit Card and your identification to any of our branches and we will do a cash advance for you at no charge.  Please be advised you are only allowed one cash advance for free from this card, so we suggest you limit your cash advances in order to avoid paying fees.   This will allow you to access the full amount on your EIP Debit Card.
  • Use our ATMs and withdraw your daily limit, which is $500.  You will be charged a $3 fee in order to utilize our ATMs and this card will charge you an additional $2 after your first ATM withdrawal.

Please refer to the material in your Cardholder Agreement for more information on fees and other transaction options.

economic impact payment debit card

Protect Yourself From Fraud and Scams

Scammers are already trying to take advantage of the Coronavirus to steal your money or personal information.  Be aware, they may:

  1. Ask you to sign over your Economic Impact Payment check to them.
  2. Ask by phone, email, text, or social media for verification of personal and/or banking information saying that the information is needed to receive or speed up your Economic Impact Payment.
  3. Suggest you can get a tax refund or Economic Impact Payment faster by working on your behalf.  This scam could be conducted by social media or even in person.

Tools to Help You Manage Your Money

Use mobile and online banking for fast and easy ways to manage your money.

  1. Check balances, pay bills, transfer money and more.
  2. Mobile check deposit: Take a quick photo of a check to make a deposit in our app.
  3. Send money to your friends and family!  It’s fast, safe, and easy, and right from Bill Pay online or on our App

Learn More about online and mobile banking

Economic Impact Payment


Champlain National Bank is helping hundreds of its business and consumer clients who are struggling to pay their bills as a result of the Coronavirus outbreak by deferring loan and mortgage payments, allowing access to CD funds without penalty, and helping businesses apply for SBA Paycheck Protection Loans that are part of the federal CARES Act.

The bank has already provided millions in financial loan relief to help families, businesses, and school districts who are struggling.  As of May 5, 2020, approximately 240 applications for Paycheck Protection Program Loans have been processed, totaling $25 million through the SBA system.  The Bank has also deferred payments for 170 mortgages and other consumer loans totaling $7.5 million for clients who have fallen on hard times during the Coronavirus pandemic.

“Throughout its history, Champlain National Bank has shown its commitment to the community.  Whether providing relief and low interest loans to families struggling after Hurricane Irene, all the way back to keeping the bank funded during the Great Depression, we continue to show an unmatched commitment to the people in Essex, Clinton, and Franklin counties,” said Jackie Hallock, VP/Director of Marketing.

Clients are encouraged to call their local branch or (518) 561-6000 if they need help deferring their payments or (518) 562-1776 if they want to learn more about the Paycheck Protection federal program.

Local news coverage on how we are helping our clients.

Mountain Lake PBS
Tenants & Landlords Seek Help

Mountain Lake PBS
PPP Emergency Relief

Cuomo No-Eviction Order Leaves Landlords Waiting for Relief

Press Republican
Bank: Paycheck Program Helped North Country Business

Will the Paycheck Protection Program Help Businesses Survive?

Paycheck Protection Loan Paperwork Steven Cacchio Being Interviewed


Our Board Chairman Peter S. Paine Jr. was featured in a recent North Country Public Radio story.  Listen to what he has to say about reopening the North Country and what the pandemic means for the small towns in the Adirondacks.

North Country Public Radio
Caught Between a Rock and a Hard Place: Reactions Split Over Reopening the North Country

Peter Paine at Boquette Farm


To show support for our local restaurants, and to thank our amazing employees who are coming into work every day, Champlain National Bank has been buying ALL staff lunch once a week since the shutdown.  Thanks to our local restaurant owners for staying open – we know you are feeling the pinch - and we’ll continue to support you!

First Picture: Willsboro Branch: Michelle Cross, Jennifer Putnam, Lena Robetoy
Second Picture: Elizabethtown Branch: Amanda Grant, Kurri Westover, Dorene Dixon
Third Picture: Keene Branch: Melanie Porter
Fourth Picture: Keene Branch: Jim Moscatello, Brittany McKee
Fifth Picture: Downtown Plattsburgh Branch: Lori Hebert
Sixth Picture: Saranac Lake Branch

Willsboro Tellers Holding Lunches Elizabethtown Tellers Eating Local Lunches Melanie Porter Eating Local Lunch Keene Tellers Eating Local Lunch Lori Hebert Receiving Local Lunch Delivery Pizza and Wings


Thanks to Ernie Galarza for inviting our VP/Director of Marketing Jackie Hallock onto his radio program on WNBZ 106.3 to talk about how Champlain National Bank is responding to the Coronavirus.

Jackie Hallock and Ernie Galarza


We’ve noticed an increase in the number of four-legged traveling companions riding in your cars (we’re still giving out dog treats) and were excited to even see a CAT visit us in the drive-through!  We think it’s easier to socially distance with a furry companion!

cat looking in the drive-through window


Video Transcript: I’m Steve Cacchio with Champlain National Bank.  We’ve made changes to the ways we deliver services to protect our employees and customers, but we do remain here for you during these difficult times.  I’d like to thank our team who continues to make sure you have access to needed financial services.


Commercial Shoot Behind-The-Scenes

Thanks to our friends at Mountain Lake PBS for creating such a great piece for us!  Here are a few behind-the-scenes pictures of making this public service announcement.

Will filming Steve Cacchio behind the scenes of the psa shoot


Some of our tellers are surprising our clients with handwritten notes on their drive-through envelopes to try to spread a little joy during this difficult time of social distancing.

Drive-Through Envelope with Happy Thoughts Handwritten on it


Thanks to everyone for understanding the need to move to the drive-through during this time.  Kudos to our employees who have done a wonderful job social distancing themselves (and even their cars, seen here) to stay healthy in order to continue providing you with our excellent level of client service.


Never have we as a community been faced with such surreal and evolving conditions as we have the last week. This has required us to balance the health and safety of staff and clients with a commitment to deliver excellent service levels.

After continued assessment of the latest coronavirus developments, and public health concerns, we made the decision to close the lobbies of many of our branches. Additional information detailing the way in which we will conduct branch activities for the foreseeable future is available on our website.

In our over 110 years of serving the North Country, our dedication to our clients has not been stronger as our community comes together to adapt to new ways of getting through a very unfamiliar environment.

I assure you that Champlain National Bank remains financially very strong and is ready to work through this with you. We have BauerFinancial Inc.’s highest 5-Star Superior rating. A 5-Star rating indicates that Champlain National Bank is one of the strongest financial institutions in the nation.

Please utilize our ATMs, exterior night drops, drive-through locations, and mobile and online banking platforms as we practice social distancing.

We will provide updates as necessary. Our staff is ready to deliver the experience you know and expect from us.

Thank you for your understanding. We will overcome this by supporting each other, and not forgetting what we value as a community.

Steven G. Cacchio
President and CEO

Steven Cacchio Message