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Community Bank N.A. loans review

This local lender's online banking and app make it easier to stay local and in the 21st century.

With over 240 branches and higher-tech options than most community banks offer, Community Bank N.A. could be great for business owners who want to transition away from a big bank.

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Business and personal loans and lines of credit, SBA loans, commercial mortgages.

Types of loans available


Online applications


Types of loans availableBusiness and personal loans and lines of credit, SBA loans, commercial mortgages.
Online applicationsYes
Number of branchesOver 240
Branch hoursVaries by branch, usually 9 a.m. to 4 or 5 p.m. on weekdays.
Customer service hours8 a.m. to 6 p.m. on weekdays
Customer service optionsPhone, form email
Mobile appYes
Routing number21307559

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review

Community Bank N.A. could be a great option if you’re thinking of switching to a local bank. It has a relatively high number of branches for a local lender. And its mobile app and online banking accounts make it easier to manage your accounts without leaving home. You can even apply for a personal loan online. But if you need to visit a branch, you’ll need to make time during normal business hours.

What is Community Bank N.A.?

Community Bank N.A., or CBNA, is a large local bank with over 240 branches across New York, Vermont, Western Massachusetts and Northern Pennsylvania. It's relatively high-tech for a bank. You can apply for personal loans online and manage your accounts using its app. But you'll need to set up an appointment to learn about your options for business financing.

What types of loans does Community Bank N.A. offer?

CBNA offers your standard personal and business financing options.

  • Short-term businesses loans and lines of credit. Cashflow financing for short-term expenses like waiting for an invoice to come in or purchasing inventory.
  • Long-term business loans. Financing for equipment, expanding your business and other large expenses.
  • SBA loans. CBNA offers loans through this program backed by the Small Business Administration, or SBA, — though it doesn't specify what types of SBA loans are available.
  • Commercial mortgages. Financing for business-related real estate purchases and construction.
  • Personal loans. Unsecured financing for personal projects like home renovations or debt consolidation.
  • Personal lines of credit. Choose from a small line to protect your account from overdraft fees to the more substantial Advantage line to give you access to credit limits ranging from $5,000 to $25,000.
  • Home loans. CBNA offers a variety of home equity and mortgage programs for new and experienced home and landowners.

What industries does CBNA specialize in?

CBNA has special programs for agricultural businesses and car dealerships. It also offers banking and lending products to municipal organizations — such as local governments and public schools. CBNA has additional tracts for small businesses and larger commercial enterprises, if your business doesn't fall into these industries.

How does borrowing work with Community Bank N.A.?

That depends on the type of loan you want. For business loans and most other types of financing, you have to set up an appointment to speak with a commercial loan officer. The application for a business loan typically take a few weeks to process at most community banks.

But you can apply for a personal loan online or in person at a branch — either way you do it, the applications are the same. Usually customers get a response the same day.

How do I get started?

You can get started on a business loan application by setting up an appointment with a loan officer at your local community bank. Follow these steps to find out who to contact.

  1. Go to the CBNA website.
  2. Click Find your location in the top navigation bar.
  3. Write your address, city and state or ZIP code and state and hit Go.
  4. Hit see more locations and details under the branch you'd like to visit.
  5. Review the hours and branch features before calling the branch phone number to set up an appointment.


  • Over 240 branches
  • Mobile app
  • Offers SBA loans
  • Online personal loan application


  • Customer service limited to inperson, phone or online form
  • Most branches only open during business hours
  • More complaints than online reviews

See other business loan options

While you might not get local service, you can compare more options by checking out these lenders.

Name Product Filter Values Loan amount APR Requirements

Biz2Credit business loans
Finder Rating: 3.75 / 5: ★★★★★

Biz2Credit business loans
$25,000 – $250,000
Starting from 8.99%
6+ months in business; $150,000+ monthly revenue; 500+ credit score
Get only the capital you need through secure, prescreened lenders with this highly rated company offering SBA, expansion, working capital and other loans.

OnDeck short-term loans
Finder Rating: 4.6 / 5: ★★★★★

OnDeck short-term loans
$5,000 – $250,000
As low as 35%
600+ personal credit score, 1 year in business, $100,000+ annual revenue, active business checking account
A leading online business lender offering flexible financing at competitive fixed rates.

Fora Financial business loans
Finder Rating: 4.1 / 5: ★★★★★

Fora Financial business loans
$5,000 – $500,000
6+ months in business, $12,000+ monthly revenue, no open bankruptcies
Get qualified for funding in minutes for up to $500,000 without affecting your credit score. Best for companies with at least six figures in annual revenue.

Lendio business loans
Finder Rating: 4.75 / 5: ★★★★★

Lendio business loans
$500 – $5,000,000
Starting at 6%
Operate business in US or Canada, have a business bank account, 560+ personal credit score
Submit one simple application to potentially get offers from a network of over 300 legit business lenders.

ROK Financial business loans
Finder Rating: 4.7 / 5: ★★★★★

ROK Financial business loans
$10,000 – $5,000,000
Starting at 6%
Eligibility criteria 3+ months in business, $15,000+ in monthly gross sales or $180,000+ in annual sales
A connection service for all types of businesses — even startups.

Compare up to 4 providers

Community Bank N.A. reviews and complaints

BBB accredited No
BBB rating A+
BBB customer reviews 1 out of 5 stars, based on 3 customer reviews
BBB customer complaints 22 customer complaints
Yelp 3 out of 5 stars, based on 4 customer reviews
Glassdoor 3.5 out of 5 stars, based on 56 customer reviews
Customer reviews verified as of 04 November 2020

Community Bank N.A. doesn't get many online reviews, but it has a handful of complaints filed with the Better Business Bureau, or BBB. Most are from banking customers who suddenly had their accounts closed or were charged fees according to terms they hadn't agreed to. Generally, these incidents happened after customers hit a financial rough patch.

A couple positive reviews were from customers who were happy with the customer service they received.

What do employees say?

Employees give mostly positive customer reviews. Many say it's a great place to work. Some complain about the lack of new technology, though CBNA is relatively high-tech compared to other local financial institutions.

This is a good sign if you're looking for a long-term source of financing for a business. Happy employees usually means there's less turnaround. Your chances of finding a loan officer who can spend years getting to know your business are good.

What other products does Community Bank N.A. offer?

In addition to financing, you might want to take advantage of the following products for yourself and your small business.

  • Checking accounts
  • Savings accounts
  • Credit cards
  • Business cash management services
  • Merchant processing services
  • Insurance services
  • Wealth planning

CBNA history

CBNA was first founded as St. Lawrence County National bank in 1866. Over the more than 150 years since its founding, it's expanded to most of New York state — excluding New York City — and Vermont, as well as parts of Pennsylvania and Massachusetts.

It also gives back to the communities it serves, offering more than $2.6 million in donations, grants and scholarships in 2019 to over 2,500 causes. It's landed on Forbes' Top 12 list for 12 years.

Bottom line

CBNA could be a good option for a local business owner looking for the community bank experience without sacrificing the convenience of local branches and online banking. Compare CBNA to other options by visiting our guide to the best business loans.

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