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effective as of 2/8/2022
A Message from Michael J. Quinn, President & CEO of Rhinebeck Bank
With the spread of the Coronavirus (COVID-19) throughout the United States, including our area, I wanted to let you know that we are doing everything possible to ensure a safe banking environment for our employees and customers.
As a strong, well-capitalized community bank with prudent business continuity plans in place, we’re well-positioned to continue to provide the services our customers need. While no plan can address every circumstance or contingency, we are very confident in our ability to provide access to funds and other banking services to our customers.
We will continue to work with you to get through this situation and keep you well-informed during the process. We encourage you to revisit this page for the latest updates on our response efforts. If you have any questions or concerns, please contact our Customer Solutions Center at (845) 454-8555, Option #3 or via e-mail at firstname.lastname@example.org.
As a Community Bank, we’ve always taken great pride in assisting customers throughout the Hudson Valley. During this time, this priority hasn’t changed. We’re looking to help you and your loved ones deal with these unique challenges with as little financial impact as possible, so please don’t hesitate to contact us with any questions or concerns you may have during this time.
Most importantly, we hope that you and your loved ones remain safe and healthy.
Michael J. Quinn
President & CEO
Please see the topics below to learn more about Rhinebeck Bank’s ongoing response to this pandemic.
Effective Monday, February 8th, all bank branch lobbies have reopened under regular business hours. All branches continue their sanitization and social distancing protocols and we still require that our employees and customers wear masks or face coverings at all times while in our branches. You may also open select Personal Deposit Accounts via our Online Account Opening portal. Click here to open your account now!
We are excited to resume our normal operations and will keep you updated of any further changes. Thank you for your continued cooperation during these challenging times and for being a valued customer.
Technology enhancements we have made over the past several years have made it more convenient for our customers to make a wide array of banking transactions, account balance reviews, etc. Our mobile banking, online banking and EasyLink Telephone Banking platforms offer our customers an alternative to in-branch banking. As our community deals with the impact of COVID-19, we encourage customers to use this technology for their banking transactions when possible. If you need any assistance in setting up these alternative channels please call our Customer Solutions Center at (845) 454-8555, Option #3, (Monday – Friday: 8:00 am – 6:00 pm, Saturday: 8:30 am – 12:30 pm).
With our Online Banking and Mobile Banking platforms, you’ll continue to have access to your accounts and will be able to conveniently:
In addition to the Online/Mobile Banking services, our ATMs are also able for cash and check deposits. You can also pay your Rhinebeck Bank loan via our website – click here for details.
We know these are especially trying times for everyone, and small businesses are struggling to keep up with the changes resulting from CDC Guidelines, state and federal mandates. Rest assured we are here to help you navigate this situation.
Rhinebeck Bank is here and ready to work with you as we navigate the changing landscape COVID-19 has created.
If you are a Rhinebeck Bank customer with a commercial or small business loan and are struggling to make your payments, we are here to help! Please contact your Loan Officer or click here to access our Customer Hardship Questionnaire. These can be completed and submitted via email to email@example.com.
Once submitted, within 2 business days, your lender will reach out to discuss the options we can offer.
The Small Business Administration is providing several resources to help you and your business:
Paycheck Protection Program – The SBA"s Paycheck Protection Program provides small businesses with funds to pay up to 8 weeks of payroll costs including benefits. Funds can also be used to pay interest on mortgages, rent, and utilities. Applications are made directly with Rhinebeck Bank.
Economic Injury Disaster Loan Program – Apply directly with the SBA as they can provide targeted, low-interest loans to small businesses and non-profits that have been severely impacted by the Coronavirus (COVID-19).
SBA COVID 19 Resources Page – This page provides links to the latest communications from the government and the CDC which impact small business owners.
In addition, Community Capital New York is offering Emergency Express Loans with rates of 2% for business owners with a credit score of at least 650. Click here for more information.
If you are a Rhinebeck Bank customer with a deposit account and have concerns about fees due to hardship, please click here to access our Customer Hardship Questionnaire. These can be completed and emailed back to us at firstname.lastname@example.org. A Banker will reach out within 2 to 3 business days to discuss your concerns and options.
If you are experiencing difficulty paying personal living expenses due to job loss or reduced income related to the COVID-19 pandemic, our Disaster Relief Loan may offer an affordable, short-term lending solution. Click here for details.
If you are a Rhinebeck Bank customer with a residential mortgage or other type of consumer loan and are struggling to make your payments, we are here to help! Click here to access our Customer Hardship Questionnaire. These can be completed and submitted via email to email@example.com. For residential mortgages, our Workout Specialist will reach out within 5 business days to discuss the mortgage assistance process. For consumer loans, a Collections Representative will reach out within 2 to 3 business days to discuss the extension process.
In addition to the obvious health considerations to be mindful of during this time, we would also strongly encourage you to beware of scams. Scammers may use a number of ways to gain access to your sensitive personal information (i.e.: usernames, passwords), solicit purchases/donations through fraudulent websites and causes, or infect your device or computer with malware. Please be careful when opening e-mails or text messages and when visiting donation websites of any type. Please do not open or respond to any suspicious e-mail or text message, click on any links or open any attachments until you have verified their authenticity.
Check out the FTC’s Coronavirus website to learn the latest news on scams and how to protect yourself.
Protect Yourself From Unemployment Fraud
Click here to learn how the New York State Department of Labor is working to prevent theft of Unemployment Benefits during the COVID-19 Pandemic. Included are some great steps that we can take to proactively protect ourselves and links to valuable external resources.
Income Tax Filing Date Changes:
Please note that both the IRS and New York State have moved their income tax filing date deadline to July 15, 2020.
NYS Unemployment and Paid Sick Leave:
Governor Cuomo enacted a law that provides benefits - including sick leave, paid family leave, and disability benefits - to New York employees impacted by mandatory or precautionary orders of quarantine or isolation due to COVID-19. If you have any questions about this law please visit www.ny.gov/COVIDpaidsickleave or call the COVID-19 Hotline at 1-888-364-3065.
Do you have children and/or need assistance with providing meals?
Most school districts in our area are working with families who receive free or reduced price lunches so that daily or weekly lunch packs can be picked up. Contact your local school district for more information about this service.
Here are some local websites with information regarding meal assistance programs:
The Food Bank of the Hudson Valley is always available to help those in need. Click here or call 845-534-5344 for assistance.
Hudson Valley’s 2-1-1 service is also available in Dutchess, Ulster and Orange Counties. It will connect you with your local United Way and all of the resources available through them. Simply call 211 or click here for more information.
Do you have a library card with the Mid Hudson Library System?
Although all libraries are closed, your library card provides accesses to online services like Libby, Overdrive and Hoopla – you can view magazines and read the thousands of eBooks available for all ages. In addition, your library’s website may have links to other sources you can take advantage of.
On days with nice weather, take a walk through the grounds of our local historic sites and explore the area:
https://parks.ny.gov/ - Please note, all NYS playgrounds and athletic fields/courts were closed on March 21st, but there are plenty of walking trails to enjoy. Practice social distancing by keeping at least 6 feet away from others, but get out and enjoy the fresh air!
https://www.nps.gov/state/ny/index.htm - Be sure to click on the location you wish to visit for any park-specific alerts. In addition, the National Park Service also has Virtual Parks available via webcams, and virtual tours.
Many aquariums and museums across the country have programs available online and available for free as well – it’s a great way to explore places you may not have otherwise been able to visit!
During this pandemic, we strongly encourage you to adhere to the CDC’s guidelines regarding ways to keep yourself and others healthy and safe. Best practices include: