Chemung Financial Corporation operates as the bank holding company for Chemung Canal Trust Company that provides commercial and consumer banking, and trust services primarily in New York. It accepts time, demand, and savings deposits, including negotiable order of withdrawal accounts, regular savings accounts, insured money market accounts, investment certificates, fixed-rate certificates of deposit, and club accounts. The company’s loan portfolio comprises secured and unsecured commercial and consumer loans; financing commercial transactions; commercial, residential, and home equity mortgage loans; revolving credit loans with overdraft checking protection; and small business loans. In addition, it rents safe deposit facilities and provides networked automated teller facilities. Further, the company provides various trust services comprising services as executor and trustee under wills and agreements; and guardian, custodian, trustee, and agent for pension, profit-sharing, and other employee benefit trusts, as well as various investment, pension, estate planning, and employee benefit administrative services. It operates 22 full-service branch locations in Broome, Schuyler, Steuben, Tioga, and Tompkins counties in New York, as well as in Bradford county, Pennsylvania; a trust and investment center in Herkimer County, New York; and 11 off-site automated teller facilities. Chemung Financial Corporation, through its other subsidiary, CFS Group, Inc., provides various financial services, including mutual funds, full and discount brokerage services, annuity and other insurance products, and tax preparation services. The company was founded in 1833 and is based in Elmira, New York.