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If your card is lost or stolen, report it immediately by calling (866)960-2295.

During banking hours, you can contact one of our customer service representatives at (315) 493-3480 or (800) 232-0450 (Carthage) or (315) 779-9775 (Watertown).

If you are the victim of IdentityTheft contact a Credit Bureau immediately to begin protecting your identity.

Transunion has live agents:  1-800-916-8800  (* press 0 to speak directly with a live agent) 

Equifax has a live agents line:  1-888-836-6351

 Experian has an automated line:  1-888-397-3742