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Business Banking

Together We’re Stronger

We understand that small businesses are the backbone of a community, creating jobs and keeping the local economy flowing.  We believe that the businesses within our community deserve access to the capital they need and we love helping them because together, we’re stronger.

WVFS&L provides the kind of hands on attention often lost in the digital age.  We get to know you and your business so we can provide sound financial advice that helps your business thrive.  If you possess the entrepreneurial spirit and/or have a fledgling business, we’d love to help you make your dream a reality.  If your business is growing and you are ready to add services, purchase equipment or move into a new space, we are here for you.

Our Services Include

  • Internet Banking
  • Mobile Deposit
  • Online Bill Pay
  • Telephone Banking
  • Bank-by-Mail
  • Overdraft Protection
  • Drive-up Tellers *only certain locations
  • ATM
  • MasterCard™ Debit Cards
  • Safe Deposit Boxes *only certain locations
  • Money Orders
  • Direct Deposit
  • Originate / Receive ACH Payments
  • Automatic Transfers
  • Notary Service
  • Night Depository

Commercial Loan Officers

Building Relationships, One Business At A Time!

Every business owner knows that they need a support system of trusted advisors to help them make sound decisions. Wallkill Valley Federal Savings and Loan has a heart for local businesses and wants to get to know you and be a partner in your growth.

To learn more about how WVFSL can help your business grow, stop by one of our branches or reach out to one of our commercial loan officers. In the mean time, we’d love to introduce you to our team.


Domenic Baiocco
Vice President, COmmercial Loan Officer

Office: 845-895-2051 ext 438

Cell: 551-404-4819
NMLS# 1632788

“Every story is different. Local businesses need a local bank who understands the true nature of the business and how it works in their own backyard. Not many institutions offer their borrowers to sit down with the bank CEO to make a decision on a business loan, we do. It’s part of what makes us special.”

Michael Cappillino
Assistant Vice President, Commercial Loan Officer

Office: 845-895-2051 ext 454

Cell: 914-489-0016
NMLS# 24544

“I see the challenges local businesses in the Hudson Valley face every day and I get the opportunity to help them achieve their financial objectives. Whether it’s a thriving business looking to expand or a struggling business looking to survive, it feels good knowing that WVFSL has the resources available to make good ole fashioned common sense loans.”

In addition, we have a Business Development Team that would be happy to be of assistance to businesses throughout the Hudson Valley. They are:

Charles A. Walwyn, III, Vice President, Business Development

Mike Mazzuca, Vice President, Business Development