Bank of Utica, together with its subsidiary, provides commercial banking products and services in Utica, New York. The company offers various deposit accounts, including personal checking, business checking, savings, money market, retirement, and health savings accounts; and certificates of deposit. It also provides loans, such as personal loans, check credit lines, residential mortgage loans, construction loans, lot loans, home equity loans, consumer loans, business loans, commercial real estate loans, commercial and industrial loans, equipment loans, farmland loans, USDA-guaranteed business loans, and student loans. In addition, the company online banking, mobile banking, mobile deposit, bill pay, account transfer, treasury management, cash management, ACH, ACH bill pay, wire transfer, merchant card, business credit card, debit card, ATM, eStatement, Zelle, positive pay fraud detection, identity theft protection, remote deposit, sweep account, target and zero balance account, express deposit, and employee benefit and retirement plan services. Further, it provides debit and credit cards, and traditional banking services. Bank of Utica was founded in 1927 and is based in Utica, New York.