Frequently Asked Questions (FAQ)

Frequently Asked Questions


Is the Internet safe and secure for online banking?

Yes.  We use 128-bit encryption:  Secure Socket Layer (SSL) for all communications.  This is currently the highest level of security available for Internet transactions.


What is Bill Pay?

Bill Pay is a service that is part of our online banking.  Bill Pay gives you the flexibility to pay your bills online, from anywhere at anytime.  For more information about Bill Pay, visit the Frequently Ask Questions about Online Bill Pay page.


How does The First National Bank of Dryden protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law.  These measures include computer safeguards and secured files and buildings.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.


What is the bank's routing number?

Our routing number is 021307164. This 9 digit number identifies our location.


Are you locally owned?

Yes! We are one of the few, truly locally owned independent banks in Upstate New York.  To this day, we continue our involvement with the Dryden, Cortland, and now Homer communities. We don't stop there.  The First National Bank of Dryden supports and involves the surrounding areas as well, to help the growth of Upstate New York.


How many offices does the First National Bank of Dryden have in New York?

We currently have 4 offices.  Two offices are located in Dryden, one office is located in Cortland, and our newest office is located on South Main Street in Homer.


What are the hours for the lobby and drive thru?

The hours vary depending on the location and the day of the week.

7 West Main Street, Dryden

Lobby  Hours
Monday - Thursday
9:00 - 3:00
Friday
9:00 - 5:30
Saturday
9:00 - 12:00
Drive-In Hours
Monday - Wednesday
8:00 - 4:30
Thursday & Friday
8:00 - 5:30
Saturday
8:00 - 12:00

120 North Street, Dryden

Lobby Hours
Monday - Wednesday
9:00 - 3:00
Thursday & Friday
9:00 - 5:30
Saturday
Closed
Drive-In Hours
Monday - Wednesday
8:00 - 4:30
Thursday & Friday
8:00 - 5:30
Saturday
Closed

853 State Route 13, Cortland

Lobby Hours
Monday - Wednesday
8:30 - 4:00
Thursday & Friday
8:30 - 5:30
Saturday
8:30 - 12:00
Drive-In Hours
Monday - Wednesday
8:00 - 4:30
Thursday & Friday
8:00 - 5:30
Saturday
8:00 - 12:00

12 South Main Street, Homer

Lobby Hours
Monday - Wednesday
8:30 - 4:00
Thursday & Friday
8:30 - 5:30
Saturday
8:30 - 12:00
Drive-In Hours
Monday - Wednesday
8:00 - 4:30
Thursday & Friday
8:00 - 5:30
Saturday
8:00 - 12:00

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