Wilber National Bank

Loan Products

From time to time, everyone needs to borrow money. The reason may be as special as a second honeymoon or as necessary as a new car. Wilber has a way to make it happen for you. And with each loan option, we offer competitive rates, speedy approval and optional low-cost credit protection for consumer loans to ensure that payments are made if something happens to you. Further information about the products listed below can be obtained by calling 607-432-1700 or 1-800-374-7980.

Installment Loans
Installment loans are ideal for many of your borrowing needs, such as automobiles, boats, vacations, home improvements or college tuition. Apply at any of our branch offices.

Residential Mortgages

Mortgage Calculator

Provantage Home Loans, a division of Wilber National Bank, specializes in home loans to provide Wilber customers with lower rates, more options and faster service. We work with homebuyers, builders and realtors every day. "Pre-approve" your mortgage loan and gain valuable bargaining power by knowing the loan value range that you are qualified for and the most suitable financing options available.

For more information or to apply today, visit Provantage Home Loans

Lines of Credit

Cheque-Mate (Overdraft Protection)
A �cushion� of credit, linked to your checking account, that avoids embarrassing overdrafts and bounced checks. In addition to overdraft protection, Cheque-Mate is a line of credit you can use to cover unexpected expenses. Credit lines are available up to $10,000 pending credit approval. Apply at any branch office.

Home Equity Prestige Line of Credit (PLC)
A variable rate line of credit you can draw on anytime simply by writing a check. If you own your home, you may borrow up to 90% of your home�s equity. Because this is a revolving line of credit, as the outstanding balance is paid down, your line is available to use again. Wilber�s PLC has the additional benefit of income tax deductibility.* Apply at any branch office � once your application is approved, your line of credit will be there whenever you need it!

*There are some exceptions to tax deductibility. Consult your tax advisor regarding the deductibility of interest.

Credit Cards

For Personal Use
More widely accepted than checks and often more readily accepted than cash, nothing beats the convenience of a Wilber Bank Visa^® credit card. Which one is right for you depends on your personal credit needs. That�s why we offer five options:
For Employee Use
A Wilber Bank Business Edition Plus^® Visa Card lets you earn points redeemable for a wide variety of goods and services. You can accumulate points for your company or give them to your employees. Take advantage of the convenience and savings of a credit card that actually helps your bottom line. You receive theft and damage protection on most purchases, savings on business supplies and services and itemized management reports.

Wilber�s Commercial Edition^SM Visa Card combines many of Visa�s most powerful business payment solutions into a single, flexible card. It streamlines your finances � whether you need to manage travel, entertainment, or procurement expenses. You�ll be able to categorize employee card use which will give you a complete and accurate picture of spending.

A Purchasing Edition^® Visa Card from Wilber National Bank reduces the time and expense associated with indirect business-to-business goods and services by eliminating purchase order and invoice paperwork. It simplifies your procurement process and provides a wide range of customized management and reporting features. It�s a great choice for mid-to-large sized companies needing 10 or more cards.
Merchant Credit Card Processing
Credit card processing is a necessary component to running a successful business in today�s economy. Wilber Bank has joined with one of the premier companies in the bankcard processing industry to offer our business customers a wide range of services to meet your credit card processing needs.

Commercial Loans

Wilber National Bank specializes in providing credit at terms businesses need to meet their growth and profitability objectives.

Short-term loans (time notes) and commercial lines of credit usually have terms of one year or less and are made for the seasonal expansion of inventories and receivables or for specific transactions.

Longer term loans, geared to a company�s capacity to repay out of earnings, are made for the financing of a plant or other facility expansion, capital equipment, acquisition and other long range projects. Loans of this type generally have terms of one year or more.

Wilber also works with the Small Business Administration (SBA), New York Business Development Corporation (NYBDC), Rural Development, and other agencies to help clients secure loans when additional security is needed.

Whatever your borrowing needs, our commercial loan officers are ready to work with you to help your business adapt to the demands of shifting markets. We make decisions locally and quickly, and work in a simple, direct, results-oriented way. In addition to a variety of loan products, we offer a blend of services tailored to meet your business needs. To learn more about how Wilber�s products and services can improve your bottom line, call 607-432-1700 or 1-800-374-7980 to arrange a meeting at your location or any one of ours.

Business Manager^®
Wouldn�t it be nice to receive immediate cash for your receivables and get out of the billing business? Business Manager^® is a complete system by which Wilber Bank purchases your existing receivables on a discounted basis and takes over the responsibilities for billing your customers. You receive immediate cash to re-invest in your business, take advantage of supply discounts or pay off existing debts. And because Business Manager^® enables you to offer terms to your customers, you may increase the volume of your business as well. It�s a �win-win� situation for both you and the people who do business with you.