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Strength and Safety Ratings

Orange County Trust is a better bank

You have a strong bank behind you in Orange County Trust Company. Our length of service alone is a testament to our effectiveness and stability. Orange County Trust Company, Middletown, New York stands strong in the current difficult environment while some financial institutions are faltering. You don't have to take our word for it, though.



Orange County Trust Company received a 4-star Excellent rating from BauerFinancial, indicating they are among their recommended institutions. BauerFinancial, Inc. of Coral Gables, FL, is the nation's leading independent bank rating and research firm.

NOTE: BauerFinancial, Inc. has been reporting on and analyzing the performance of U.S. banks and credit unions since 1983. No institution pays for its rating, nor can they elude it. Consumers may obtain star-ratings by visiting



Orange County Trust Company is among the strongest financial institutions in the country, according to Weiss Ratings, the nation's leading independent provider of ratings and analysis of financial services companies, mutual funds, and stocks.

This rating indicates that Orange County Trust Company offers good financial security and has the resources to deal with a variety of adverse economic conditions. It comfortably exceeds the minimum levels for all rating criteria, and is likely to remain healthy for the near future.


Federal Deposit Insurance Corporation


By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts,

For more information:

Federal Deposit Insurance Corporation
Division of Compliance and Consumer Affairs
550 17th Street, N.W.
Washington, DC 20429-9990

1-800-934-3342 or 1-202-942-3100
1-800-925-4618 or 1-202-942-3147 (TTD)
Or click here to go to the FDIC EDIE Estimator to calculate your FDIC coverage for each FDIC insured bank where you have deposit accounts.

All types of deposits received by a financial institution in its usual course of business are insured. For example, savings deposits, checking deposits, deposits in NOW accounts, Christmas Club accounts, and time deposits. Cashier's checks, expense checks, loan disbursement checks, interest checks, outstanding drafts, negotiable instruments and money orders drawn on the institution are insured, as are certified checks, letters of credit, and travelers' checks.

Treasury securities (bills, notes, and bonds) purchased by an insured depository institution on a customer's behalf are not insured by the FDIC. However, they remain the property of the customer.

Deposits in different institutions are insured separately. But, if an institution has one or more branches, the main office and all branch offices are considered to be one institution.

The basic insured amount of a depositor is $250,000. There are single ownership accounts and joint ownership of accounts.

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