Ulster Savings Bank on Your Credit Report
In short: Headquartered in Kingston, NY, Ulster Savings Bank has operated under FDIC certificate 15970 since its charter was established in 1851. Its 06/30/2026 call report shows $1.4 billion in total assets and 15 FDIC-reported offices. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. Where Ulster Savings Bank reports an account it does so as the original creditor and furnisher, so FCRA §623 — not the FDCPA validation rules that apply to collectors — is the governing accuracy standard. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who Ulster Savings Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Ulster Savings Bank has been in continuous operation for 175 years, chartered April 13, 1851 and carried on the FDIC's books as certificate 15970. Its 06/30/2026 call report shows 15 FDIC-reported offices and $1.4 billion in total assets, averaging roughly $93 million per office.
How Ulster Savings Bank appears on your credit report
Ulster Savings Bank runs 15 FDIC-reported offices against $1.4 billion in assets, a branch-dense retail profile. Accounts at this kind of bank are typically opened and serviced in person, which means the supporting paperwork — signature cards, payment receipts, deferment agreements — usually exists locally. Requesting the specific document that contradicts the tradeline is often more effective than a general assertion of disagreement.
Names it may report under
Products that commonly show up
- ◆Overdraft lines of credit attached to an Ulster Savings Bank checking account
- ◆Credit cards issued under the Ulster Savings Bank name through an agent-bank programme
- ◆Construction and lot loans that convert to permanent financing
Grounds to dispute a Ulster Savings Bank entry
Each of these is a reason a Ulster Savings Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Account transferred between Ulster Savings Bank systems after a core conversion and duplicated
- ◆Payment posted at an Ulster Savings Bank office in Kingston but reported late because of a processing-date mismatch
- ◆Overdrawn deposit account charged off and reported without the itemisation required before collection
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
Ulster Savings Bank is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, Ulster Savings Bank has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send Ulster Savings Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Ulster Savings Bank questions, answered
Is Ulster Savings Bank FDIC-insured, and what is its certificate number?
Yes. Ulster Savings Bank holds FDIC certificate 15970. The FDIC record shows a charter established April 13, 1851, headquarters in Kingston, NY, and 15 FDIC-reported offices with $1.4 billion in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates Ulster Savings Bank, and where do I escalate if a dispute fails?
Ulster Savings Bank is a state-chartered bank that is not a member of the Federal Reserve System, so the FDIC is its primary federal regulator, working alongside the NY state banking department. If a dispute with the bank and the bureaus both fail, you can complain to the FDIC, to the NY regulator, or to the CFPB. That does not replace your FCRA rights — it is an escalation path on top of them.
How old is the Ulster Savings Bank charter, and why does that matter for my credit report?
Ulster Savings Bank's charter predates the Federal Reserve (1913) and federal deposit insurance (1933) entirely — it was established in 1851 and later became an FDIC-insured institution. A charter that old frequently sits behind decades of mergers, so an old account may have been opened under a predecessor name. If the tradeline you are disputing shows a name you do not recognise, ask Ulster Savings Bank in writing which predecessor institution originated it; the furnisher is obliged to report the account accurately regardless of how many name changes it has been through.
How big is Ulster Savings Bank, and what does that mean for disputing an account?
Ulster Savings Bank reports $1.4 billion across 15 FDIC-reported offices — roughly $93 million per office, a retail-weighted profile. Bear in mind the FDIC's office count includes every reported location, not only retail branches, so this is a measure of reported footprint rather than a count of storefronts. In practice it means consumer accounts are likely serviced locally and the underlying paperwork can usually be retrieved from the originating office.
How do I dispute an Ulster Savings Bank account on my credit report?
You have two free routes and you can use both yourself without paying anyone. Under FCRA §611 you may dispute with Equifax, Experian and TransUnion, and under FCRA §623 you may dispute directly with Ulster Savings Bank as the furnisher. Put it in writing, identify the account by its last four digits and open date, state specifically what is inaccurate rather than simply saying you disagree, and keep copies and proof of delivery. Whether an item changes depends entirely on what Ulster Savings Bank can verify, and results vary from case to case.
Does NY law change anything about an Ulster Savings Bank account?
Keep two clocks separate. The FCRA reporting window is federal and does not vary by state. Your state's statute of limitations — how long anyone can successfully sue you — is separate and independent: a debt can be too old to sue over yet still report legitimately, or drop off your report while remaining collectable. Ulster Savings Bank being headquartered in Kingston, NY does not make NY law automatically yours; the limitation period usually follows where you live and what the contract says. Check your own state's rule, and note that making a payment restarts that clock in many states.
How long can an Ulster Savings Bank account stay on my credit report?
Generally up to seven years from the date of first delinquency on that Ulster Savings Bank account — the original missed payment that was never brought current — not seven years from when it was charged off, sold, or last updated. Transferring the account to another servicer does not restart it either. If Ulster Savings Bank or a later owner has moved that date forward, the re-aging is itself an FCRA inaccuracy and is worth disputing on its own, separately from whether you owe the balance.
Does Ulster Savings Bank appear in the CFPB complaint database?
We do not publish a complaint figure for Ulster Savings Bank. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 15970, and attributing another company's complaint volume to this bank would be inaccurate. If you want to check for yourself, search the CFPB's public complaint database directly by company name. If you have an unresolved problem with this bank you can also file your own complaint there at no cost.
What is the difference between disputing with Ulster Savings Bank and disputing with a collection agency?
Ulster Savings Bank is the original creditor — the furnisher whose name was on the account when it was opened — while a collection agency is a third party that bought or was assigned it later. That changes your tools. Against a collector, FDCPA §809 lets you demand validation within 30 days of first contact. That right does not apply to Ulster Savings Bank; against an original creditor your leverage is the FCRA §623 accuracy duty. Different deadlines, different evidence — so check which party is actually listed as furnishing the account before you write, because sending the wrong letter to the wrong party wastes the clock.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by Ulster Savings Bank; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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