Online and Mobile Banking

If you are currently enrolled in Berkshire Bank Online Banking, you will be transitioned into Pathfinder Bank’s Online Banking system without the need to re-enroll.  All details between login instructions, bill pay information, important dates, any required actions, new features, and other helpful details are available below.

Your Berkshire Bank Personal accounts will convert to the closest Pathfinder Bank option.

PERSONAL 
BANKING UPDATES

For more information on the acquisition, please reach out to us at 315-343-0057.  

• Before Wednesday, July 17th, we recommend downloading or recording your account history, statements, recurring transfer schedules, Individual Retirement Account distribution information, peer-to-peer payments, payees,  and bill payment details as some of these items may not transfer over during the conversion. To request paper copies of your historical Berkshire Bank statements for current or closed accounts, you will need to contact Berkshire Bank directly.
  
  
• On Monday, July 22nd, you can access your accounts through pathfinderbank.com by logging into online banking. Simply click the “Online Banking” link in the upper right corner and select the “Personal” drop-down option, and follow the first time login instructions available online at pathfinderbank.com/welcome.  You may resume using Bill Pay services in Pathfinder Bank Online Banking. We recommend verifying your bill payment information to ensure its accuracy.

Accounts and Account Numbers

• Your Berkshire Bank accounts will automatically be converted to the Pathfinder Bank account that most closely resembles your existing account. Please see the conversion chart below. 
  
  
• In most cases, your account numbers will remain the same during and after the transition to Pathfinder Bank. If your current Berkshire Bank account number has 10 digits, it will stay the same. If it has fewer than 10 digits, zeros will be added to the beginning to make it 10 digits. For example, account number 12345678 will become 0012345678.
  
  
• In the rare case of a duplicate number, a new account number will be assigned to you. You will be notified of any changes before July 19th, 2024. 
  
  
• For Certificates of Deposits (CDs) your maturity dates and current rates will be carried over for the remainder of their term. Upon maturity, your Berkshire Bank CD will automatically roll into the current rate of the product it was converted into, and renewal notices will be sent to you. These notices will provide detailed information about any new rate and/or term adjustments. If your current CD is an Individual Retirement Account (IRA), it will be linked to a Pathfinder Bank IRA plan.
  
  
• If applicable, you will receive an amendment in the mail with details on your new IRA plan. This amendment does not affect the maturity date or terms of any of your IRA accounts and will not change the beneficiary designation on file. 
  
  
• Account History: Your Berkshire Bank transaction history and documents will not be available in Pathfinder Bank Online Banking. Starting July 22nd, 2024 we will begin retaining transaction history for your new Pathfinder Bank products.
  
  
• Your Pathfinder Bank routing number is 221370894.

Loans

• Rest assured, there will be no changes to any terms or conditions of your Berkshire Bank loans other than the terms directly related to the servicing of the loan. Your interest rate, outstanding principal balance, and other loan terms will remain unchanged.
  
  
• You will soon receive a separately mailed servicing transfer notice outlining these changes including payment instructions and your new Pathfinder Bank loan account number.
  
  
• Your statements will look different but will contain the same information you’re accustomed to.

During conversion weekend, all Berkshire Bank checking, savings and money market accounts will be matched with a similar account offered by Pathfinder Bank. The chart and links below, along with the corresponding product summary information and Truth In Savings Act (TISA) in the Account Disclosures booklet, serves as our Notice of Change In Terms, provided in advance to all account holders.

IF YOUR CURRENT BERKSHIRE BANK ACCOUNT IS:

YOUR NEW PATHFINDER BANK ACCOUNT WILL BE:

Your go to documents:

Account Disclosure Booklet

Direct Deposits and Automatic Payments

• Berkshire Bank will be sending Notifications of Change to all electronic deposits and automatic payments currently being processed by Berkshire Bank. Pathfinder Bank and Berkshire Bank will make every effort to notify agencies, organizations, and other third parties about the change in routing numbers for the first 90 days to ensure uninterrupted service.
  
  
• Some companies may require direct notification from you regarding any changes. We highly encourage you to notify those providers of the new routing number effective on and after July 22nd, 2024, to prevent any delays to these transactions. 
  
  
• Recurring payments, such as mobile phone bills, insurance premiums, utilities, subscription services, etc., that are set up on service providers’ websites must be updated with your new Pathfinder Bank Visa® Debit Card information on and after Saturday, July 20th, 2024, in order to avoid service interruption.
  
  
• Your Pathfinder Bank routing number is 221370894.

Debit Cards

• You will receive a new personal Pathfinder Bank Visa® Debit Card with a new card number, activation instructions, and disclosure in the beginning of July 2024. Your debit card limits may change depending on your card type or if you had custom limits set with Berkshire Bank. Please see the Account Disclosures Booklet for details on Pathfinder Bank’s limits. You are able to modify your limits by stopping into a branch or reaching out to our Contact Center. You may activate your card and choose your PIN, so it is ready to begin using Saturday, July 20th, 2024.
  
  
• Continue to use your Berkshire Bank Debit Cards until 5pm on July 19th, 2024, after which they will be deactivated. Please do not attempt to use your new Pathfinder Bank Debit Card prior to Saturday, July 20th, 2024. Your Debit Card limits put in place by Berkshire Bank will remain the same on your Pathfinder Debit Card.   
  
  
• Due to the conversion process taking place over the weekend, use of your new card or access to ATMs could be limited or periodically interrupted. Please plan ahead and consider carrying alternative forms of payment during the conversion weekend. 
  
  
• After activation, you will want to update any recurring payments you have on your Berkshire Bank Debit Card to reflect your new Pathfinder Bank Debit Card. 
  
  
• With your new card, you can enjoy free access to over 55,000 surcharge-free ATMs to withdraw money worldwide with Allpoint¹ network ATMs found in places you already shop like Target, CVS, and Walgreens. For more information on Allpoint network, visit allpointnetwork.com.
  
  

• You may load your new Pathfinder Bank Debit Card into your Mobile Wallet on or after July 20th, 2024.
  

Checks

• Checks for your existing Berkshire Bank account will be honored for a period of time after the transition, however, it is recommended to discontinue use of Berkshire Bank checks as of July 19th, 2024, and begin using Pathfinder Bank checks as soon as you receive them.
  
  
• Customers with personal checking accounts will be eligible for a free box of checks the first time they order from our check-ordering partner, Deluxe. A letter with a promo code for your first set of free checks will be mailed to you in the coming weeks. 
  
  
• Your new Pathfinder Bank routing number is 221370894.

¹ Please note that if you use any international, non-Allpoint, or non-Pathfinder Bank ATMs, a $2.00 ATM fee per withdrawal will apply, in addition to any fees charged by the third-party ATM provider.

<sup>* Your HSA checking account will be changing to a savings account type. Checks will no longer be available with this account. Please see above for information on your new debit card.

Depending on your account, your interest rate may change. Please visit pathfinderbank.com/rates for current rates. Rates are subject to change at any time.</sup>

Conversion Booklet

• User ID: Your User ID will generally remain the same as your current Berkshire User ID. However, all User IDs will now be in lowercase.
  *For example, if your User ID was Ca1Summ3r, it will now be ca1summ3r.
  *If you require a new User ID, you will receive a notification by mail containing your new User ID before July 19th, 2024. 
  
  
• Password: If this is your first time logging in, please enter the LAST SIX digits of the Social Security Number associated to your account. Afterward, you will be prompted to create a new password, which will serve as your password for future logins.
  
  
• After your initial login to Online Banking, locate and download the new Pathfinder Bank Mobile Banking app available in the App Store® or Google Play™. You will use the same username and password as online banking to access our mobile banking app. You will then be prompted to set up a passcode or touch ID for future logins.
  

• Alerts: If you currently have Alerts set up through Berkshire Bank’s Online or Mobile Banking, they will not be converted to Pathfinder Banks’s Online and Mobile Banking. On or after Monday, July 22nd, 2024, you will need to log in to Pathfinder Bank Online Banking to re-establish your Alerts. 
  
  
• Mobile Wallet: If you currently use your Berkshire Bank debit card in order to make digital payments through your mobile device (Apple Pay®, Samsung Pay®, Google Pay™), you will need to remove the Berkshire Bank card and add your new Pathfinder Bank card to your mobile device on or after Saturday, July 20th, 2024.
  

• Once enrolled in Pathfinder Bank Online Banking, you can send payments quickly and easily with Zelle® from the Mobile app. Find the Zelle tab in the mobile app, complete enrollment and begin sending money to, or receiving money from, people you trust. 
  

Electronic Statements

• If you are enrolled in Berkshire Bank electronic statements, you will have access to them in Berkshire Bank Online Banking until July 18th, 2024 at 5pm. You will receive a paper copy of your final Berkshire Bank checking, savings, or money market account statements, even if you are enrolled in electronic statements.
  
  
• After the conversion is complete, you will need to re-enroll in eStatements by following the prompts under the “Documents” tab in Pathfinder Bank Online Banking. Once enrollment is complete, you will begin receiving eStatements starting with the next statement cycle.

• To obtain new ATM only cards, please visit one of our branches in Cicero, Clay or Pike Block offices.

Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle. Must have a bank account in the U.S. to use Zelle. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle. Mobile carrier fees may apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used under license.

Personal Online Banking Guide

PERSONAL 
BANKING
UPDATES

Debit Cards

• You will receive a new personal Pathfinder Bank Visa® Debit Card with a new card number, activation instructions, and disclosure in the beginning of July 2024. Your debit card limits may change depending on your card type or if you had custom limits set with Berkshire Bank. Please see the Account Disclosures Booklet for details on Pathfinder Bank’s limits. You are able to modify your limits by stopping into a branch or reaching out to our Contact Center. You may activate your card and choose your PIN, so it is ready to begin using Saturday, July 20th, 2024. 
  
  
• Continue to use your Berkshire Bank Debit Cards until 5pm on July 19th, 2024, after which they will be deactivated. Please do not attempt to use your new Pathfinder Bank Debit Card prior to Saturday, July 20th, 2024. Your Debit Card limits put in place by Berkshire Bank will remain the same on your Pathfinder Debit Card.   
  
  
• Due to the conversion process taking place over the weekend, use of your new card or access to ATMs could be limited or periodically interrupted. Please plan ahead and consider carrying alternative forms of payment during the conversion weekend. 
  
  
• After activation, you will want to update any recurring payments you have on your Berkshire Bank Debit Card to reflect your new Pathfinder Bank Debit Card. 
  
  
• With your new card, you can enjoy free access to over 55,000 surcharge-free ATMs to withdraw money worldwide with Allpoint¹ network ATMs found in places you already shop like Target, CVS, and Walgreens. For more information on Allpoint network, visit allpointnetwork.com.

• You may load your new Pathfinder Bank Debit Card into your Mobile Wallet on or after July 20th, 2024.
  

Business Preview Period Checklist

Business Online Banking Guide

Important Notice: Debit Card Delivery

We have recently become aware that there has been a delay in the delivery of some Pathfinder Bank Debit Cards. Regrettably, an unexpected issue with our vendor has caused this delay. We understand the inconvenience this may cause and offer our sincere apologies. Please be assured that we are diligently working to resolve this matter promptly and efficiently.

While we work with our vendor to correct this, please note the following:

What This Means for You:

• Current Card Deactivation: Your Berkshire Bank debit card was deactivated on Friday, July 19th at 5:00 pm. 
• Activation of New Card: You will be able to activate and use your new Pathfinder Bank debit card as soon as you receive it in the mail. Your card will come in a plain white envelope for discretion.

What You Can Do:

• Instant Issue: Visit any of the following locations to receive an instant issue debit card: Clay, Cicero, Main Office, Downtown Syracuse, and your East Syracuse branch. Locate a branch near you for quick and convenient service. 
• Cash Withdrawals: You can visit any of our 12 locations starting at 8:00 am on Monday, July 22nd for cash withdrawals.
• Credit Cards: If you have a credit card, you can use it for purchases during this period. 
• Check Payments: You may continue using Berkshire Bank checks, which will be honored for payments for 60 days post-conversion. 

• Cash Apps (P2P): You can begin using services like Venmo with your account and routing numbers. Zelle® is available in our mobile app.
  
  Thank you for your understanding and for being a valued Pathfinder Bank customer.
  

• PayPal: You can use your account and routing numbers to make payments through PayPal.
  Pathfinder Bank’s routing number is 221370894. 
  
  In most cases, your account number remains unchanged. If your previous Berkshire Bank account number had fewer than 10 digits, zeros have been added at the beginning (e.g., 12345678 becomes 0012345678). If you received a new account number, it was provided in a separate mailing.