Business Banking

Business Banking

No matter the size or type of your business, your commercial banking relationship is critical for helping you grow and thrive. At Wallkill Valley Federal Savings and Loan, we are committed to providing the business banking products and services you need. Helping you make your business stronger bolsters our community’s economy and helps its residents prosper.

Like any bank, we have a variety of business checking and investment accounts. Unlike many other banks, however, we offer a wide variety of value-added services and flexible options. All of our commercial deposit accounts allow you full access to internet banking, mobile deposits and online bill pay. We also provide you with the option to bank by mail and by phone. You will enjoy the advantages of our exclusive MasterCard™ business debit card. We can assist you with any direct deposit needs you may have as well as making and receiving ACH payments.

For your convenience, we have drive-up tellers at several of our convenient branch locations as well as ATMs and night depositories. In-branch, you can take advantage of our notary service, safe deposit boxes, and more.

Because we are a regional, community bank, you will enjoy highly personalized customer service and the kind of one-on-one, personal banking relationship that you may never find with corporate banks.

Contact us to learn more about our commercial lines of credit, commercial mortgage loans and other banking and financing options. We have CDs, money market and deposit accounts that help you earn interest, and borrowing options that enable you to expand your inventory, purchase equipment or otherwise grow or expand your operations.

If you would like to learn more, contact Wallkill Valley Federal Savings and Loan today and speak to one of our knowledgeable and experienced business bankers. We look forward to showing you how our New York business banking products and services can benefit you.

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 *only certain locations
  • 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, Sales team leader/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

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.”