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As of December 4, 2015, Oneida Financial Corp. was acquired by Community Bank System Inc. Oneida Financial Corp., through its subsidiary, Oneida Savings Bank, provides various banking products and services in New York. The company accepts various deposit products, including savings, interest-bearing demand accounts, non-interest-bearing checking accounts, money market accounts, certificates of deposit, IRAs, and other qualified plan accounts. It also offers loan products comprising one-to-four family residential loans; home equity loans; commercial real estate and multi-family residential loans; construction and land loans; commercial business loans; and consumer loans, such as automobile loans, recreational vehicle loans, and secured personal loans, as well as other consumer loans consisting of passbook and unsecured home improvement loans. In addition, the company provides trust and investment services, such as fiduciary services for trusts and estates, and money management and custodial services. Further, it offers personal and commercial property insurance, employee benefits consulting, and other risk management products and services; and financial and investment advisory services. As of March 26, 2015, the company operated 12 full-service banking offices in Madison and Oneida counties. Oneida Financial Corp. was founded in 1866 and is based in Oneida, New York.