It pays to bank locally; I ADORE this bank, and I don't say that lightly. They have Zelle, I've…read morenever gotten a ridiculous overdraft fee, tellers are lovely and they use a competitor to ChexSystems (a nightmarish CRA) when opening accounts, their telephone customer service is friendly (although inconveniently not open on Sundays) and the bank's president Mr. Howland regularly makes generous contributions to local events, culture and charity drives. There are also a lot of fun local historical artifacts both related to banking and Greenfield in general on display in the lobby and they have free coffee if you have to wait. They also have the best local ATM network, with locations all over Franklin County. When I am less poor and my credit is better, I hope to finance a home through them, as they offer a generous down payment assistance program to first time home buyers. Bottom line: Of the three banks on Federal Street, GSB is by far the best option and it's probably my favorite FI in the region. On the former site of the 'Mansion House', which burned in 1959 and originally housed the bank in its early days (pictured).

Greenfield Savings Bank, Michelle Laurie, and Mark Grimoli lied to me when originating a business…read moreloan. I am an investor and supporter of a small business in Franklin County. I brought the business owners to GSB to obtain a loan to purchase the assets of an existing restaurant. During that underwriting, we were promised a speedy loan process and closing. I offered my personal guaranty, and as part of that, a CD was pledged as collateral that exceeded the value of the loan from GSB, making them fully secured multiple times over. Despite the excess collateral and guarantees on the loan, it funded 8 weeks later than promised. I was told, in no uncertain words, that after 2 years of loan performance on a 5-year note, my funds in the CD would be released to me as they were excess collateral. I requested the release of funds since June of 2026 and was told multiple times on the phone, via text, and email that releasing the funds would be no problem. However, as of the time of this complaint, I finally heard back (5 months after my initial request), and they denied my claim, citing business performance metrics that were never previously discussed as requirements. I have a small stash of the unprofessional lack of follow-through and communication. I had to almost demand any communication GSB still has adequate collateral and personal guarantees to support a very small loan. Despite their multiple representations, they have decided to lie and hold my funds hostage. DO NOT DO BUSINESS WITH THIS BANK. DO NOT BANK HERE, DO NOT BORROW MONEY HERE - THEY WILL LIE TO YOU, FUND LATE, AND NOT FUND UNDER THE ARRANGEMENTS THEY DISCUSS.

If I am headed towards downtown and I need to grab some cash, this Greenfield Co-Operative branch…read moreis my go-to ATM. The machine is conveniently located off Federal Street and it is an easy accessible from town if you are going to some of the bars and restaurants in the area. I have only been inside the branch once, but when I did enter the lobby, the staff was extremely polite. The team here was efficient and got me in and out the door quickly. In the end, I love both Co-op branches in town and this particular branch is great.

Great local bank. Super friendly people and efficient loan processing. The best thing about them…read moreis they took a run down downtown building and restored it to its former glory for their executive offices. They really invested in our downtown.

This was my "go to" bank for decades. However, I have recently attempted to obtain two loans here…read more One for business, and one for auto. The business loan was declined, as it "did not work on paper". I obtained the loan through Greenfield Savings, and my business has been thriving. The auto loan could not be processed, because the loan officer required some sort of documentation, that no other bank required. I obtained that loan through Triangle Credit Union in New Hampshire. A bank that I had never even heard of before. Sadly, I have attempted to do business with this LOCAL bank, and have been all but chased away from them. I like to keep my business local. I wished they felt the same way.

Freedom Credit Union is located in downtown Greenfield central to a variety of stores as well as…read morenight life. The staff here is very polite and at this point in time I think it is the only ATM in town that doesn't charge me a withdrawal fee.

I had called FFF last month looking for a Notary for my mother in law in a nursing home. A real…read moreperson actually answered the phone and they provided a Notary service even though none of the parties were a customer of theirs. Soon after, BOA where I had done my banking for years closed their local branch with no notice. That was enough for me. I remembered being impressed by FFF having a real person answer the phone. I now do all my banking at FFF

I love Franklin First! Wonderful people, excellent service, a real community bank. The best bank…read moreI've ever come across in 67 years of living. I do all my banking there, and so does the nonprofit I'm the treasurer for. When we experienced a major online scam earlier this year, they knew exactly what to do to guide us through it and safeguard the nonprofit. I am very grateful to them!

I opened an account at Greenfield Cooperative when I moved to the area, based on reviews I was able…read moreto find. Everything was fine at first, but then the bank changed their debit card provider. Payments I had been habitually making with no issues suddenly resulted in my card being automatically paused simply because the charges were not from within the country. It did not matter that there were existing records, as well as my written statement, that these charges were intentional and approved by me. If I had not learned about Privacy.com, I would have left the bank right then and there, but Privacy allowed me to continue using this bank without having to deal with their new, inflexible and unreasonable system. Fast forward a few years when I was several hours away from home, on vacation, celebrating an anniversary with my wife. I messaged them to ask - merely to ask - about their procedure for contesting a specific charge. There was no security breach with my card. I knew what had happened. (Long story short, a company I once used was acquired and the new company switched all accounts to auto-renew. All I needed was to dispute this one charge.) Greenfield Cooperative immediately closed my card with no notice, cutting me off from my funds while I was away from home. I was not expecting such unreasonable and drastic behavior. I did not report fraud or a security breach. I only found out that my card had been closed - closed, not paused - when I attempted to use my card shortly after my inquiry. When I called the bank, they kept repeating themselves. "I'm sorry, but we have to close a card when fraud is reported." Nothing I said mattered, included the fact that I did not actually report fraud, and that I was away from home with no access to my own money. Needless to say, I was extremely upset. The bank ended up allowing my card to withdraw cash, and that's what I did. It put a huge damper on our anniversary trip. The day after we got home, we went straight to another bank and opened an account, and shortly thereafter my wife and I both closed our Greenfield Cooperative accounts. One cannot stay with a bank that cannot be trusted not to strand their customers on vacation, especially when the customer has multiple disabilities, as I do. If you're considering this bank - don't. If you're an existing customer - watch your back.

Greenfield Co-Operative Bank is not my home bank in the area but I use it from time to time when I…read moreneed to make some transactions more locally. Every time I come into this bank I am excited and surprised at how polite and professional the employees are here. They are always extremely helpful and make banking here easy. I also like their ATM because it is centrally located on Federal Street. Usually there are no lines here and it's easy to get in and out when in a hurry. Overall, I really enjoy using this bank and will continue to stop here because of the amazing experiences I have had up to this point.

After running into trouble at three other institutions because of a recent name and address change…read more, and in spite of a less-than-Perfect rating by ChexSystems (The Evil Secret Credit Agency that collects your Banking Info), Freedom was helpful, friendly, reasonable, and cut through the bureaucratic BS. I found my banking home! Thanks, folks! (LOVE the Turners Falls branch, and the upbeat, even fun, atmosphere!)

From the owner: Freedom offers a complete range of banking services including online banking, savings and checking…read moreaccounts, mortgages, personal loans, auto loans, business services, and financial services.

Jennifer, by far the most condescending and unrealistic superior complex to others. As to bluntly…read morelaugh when I mentioned our humble home and ask us "oh really, you have a house?" . That speaks for it self. I believe that the summary of my horrible experience with this person is shared with others that will continue to make light of the level customer service has gown down to. You would think it's only McDonald's and Dunkin (I work at Dunkin and wouldn't treat my customer like that. ) Thanks to Jennifer I know not to step into the Northampton branch. Awful to imagen walking in innocently and being received by Jennifer with a smile that will make you believe she is not who she is. You can do better Citizen ; or at least our business should indicate so. Forget the mission statement, how about a training for Jennifer?

Whenever we shop at Stop & Shop and need to use the bank we stop in at this Citizens Bank location…read more The staff here is really great and we have never had a bad experience here. This location also recently upgraded to the new system where you swipe your card to complete transactions rather than filling out slips. In the end, we enjoy banking at this location and appreciate the staff that work here.