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One-stop Financial Care for Municipalities

The total banking package specifically designed for Municipalities


Orange County Trust Company has designed a total banking and financial program to serve you with community-specific services. As a Muni-Banking customer, you will be part of a Customer Relationship Team consisting of our Municipal Business Development Specialist, a Branch Manager and our Branch Administrator. Together, you will consult with the team to provide appropriate services to fulfill your particular money management requirements. We also recognize that your service to the community requires the convenience of on-site visits by team members.


Certificates of Deposit (CDs), Money Market and Savings Accounts have competitive interest rates and provide ready access to cash. We offer CD terms from 30 days to 6 months. Money Market interest rates are tiered, earning higher interest as balances grow. And, of course, deposits are secured by 3rd party collateralization.*

* Orange County Trust Company provides securities as collateral for deposits as required by the New York General Municipal Law and Banking Law. Deposits are secured at a rate of 105% of total deposits and statements from a 3rd party financial institution are provided monthly. The independent financial institution will hold the securities in safekeeping collateral for municipal deposits.


Municipal Checking Accounts are free - no monthly maintenance fee, no per transaction fee, no minimum balance required, and your first order of standard-sized checks will be free. Deposits will have next-day availability, and account statements are processed at the end of the month for your convenience.


As the only trust company with headquarters in the Hudson Valley, Orange County Trust Company has 120 years of trust and investment management experience. For certain municipal transactions, we have the ability to act as a custodian or trustee of funds, or in an agency capacity. Your counsel will be able to work with our professionals to determine the proper financial solution.**


Orange County Trust Company has established a group of municipal professionals who have over 100 years of combined banking experience. The breadth and depth of our municipal know-how results in a value proposition that may prove critical to your fiscal management priorities. Our products and services form a comprehensive suite of financial tools unmatched by any community bank in the region.


Bond Anticipation notes (BAN), Tax Anticipation Notes (TAN) and Serial Bonds can be a critical piece of your annual fiscal planning. Orange County Trust Company has a long and successful history assisting municipal entities with interim financing. And when permanent bond financing becomes needed, we can facilitate contact with traditional bond underwriters and bond counsel. We can also help with conventional financing for equipment or real estate purchases. Of course, we also facilitate easy financial management with Internet Banking, Bill Pay and Remote Deposit service.

Contact Kevin Kean, Senior VP, at 845-341-5000 for more information.

**Trusts, securities, and insurance products are not FDIC insured or insured by any Federal Government entity. Not bank guaranteed. Not a deposit. May lose value.

Before investing, consider your investment objectives, risks, charges, and expenses. Contact a Professional in the Trust and Investment Division for the appropriate prospectus or relevant information. Read it carefully.

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Advantages of Orange Muni-Banking
  • Customer Relationship Team
  • Free Municipal Checking Account**
  • Next day availability on deposits
  • Rate competitive CDs, Money Market and Statement Savings accounts
  • End of month statements
  • 3rd party collateralization of deposits
  • BAN, TAN and Serial Bond bidding
  • Free Internet Banking and Bill Pay
  • Remote Deposit Service
  • Trust and Investment Management

** No monthly maintenance fee, no per transaction fee, no minimum balance required

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