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Convenience Services

IN TOUCH TELEPHONE BANKING

Bank by phone 24-hour a day!  Check account balances, transfer funds between your Champlain National Bank accounts, and get information on what's been deposited and withdrawn!  Just call toll-free (800) 246-9554 to get started.

OVERDRAFT PRIVILEGE PROTECTION

Avoid the embarrassment of returned items and having to pay merchant bounced check fees.  Our Overdraft Privilege Protection program is designed to help you protect your reputation and your credit.*
*Overdrafts (Created by check, in-person withdrawals, ATM withdrawals, or other electronic means) are subject to an overdraft fee.  An overdraft fee of $35.00 will be charged for each item presented against insufficient funds resulting in a negative balance of more than $10 whether the item is paid or returned. The maximum daily overdraft charge that will be assessed to a consumer account is $175.  There is no limit on fees assessed to a business account. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts  if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. Overdraft Privilege is not a line of credit. You must bring your account to a positive balance within 30 days or Overdraft Privilege will be removed from your account.

OVERDRAFT LINE OF CREDIT

A safety net that provides peace of mind, your overdraft line of credit kicks in when you exceed your checking account balance.  The Overdraft Line of Credit is available to qualified customers and subject to a credit application and approval.  Ask us about our applicable rates and fees. Additional restrictions may apply.

SWEEP ACCOUNT

Setting up a Sweep Account is another way to protect yourself from embarrassing overdrafts.  Link your checking account with a savings account or a money market, and if you overdraw your checking, we'll sweep exactly what you need from your other account.  It's only $5 for each time it's needed! Federal transactions limits apply.

SAFE DEPOSIT BOXES

Protect your valuables and important documents by placing them in a Safe Deposit Box*.  We have a variety of sizes to choose from to fit your needs, and have them available in five of our branches: Willsboro, Westport, Elizabethtown, Crown Point and Champlain.
*Safe Deposit Boxes are not FDIC insured