Kinderhook Bank operates as the bank holding company for The National Union Bank of Kinderhook that provides various banking products and services in New York. It offers checking, savings, and money market accounts, consumer loans, including auto and truck loans, personal loans, credit cards, and cash-secured loans, commercial and small business loans comprising business and term loans, equipment loans, business lines of credit, term financing, commercial and industrial mortgages, construction financing, and SBA and USDA financing programs, commercial mortgage and real estate loans, small business loans, and municipal financing services. Kinderhook Bank also provides convenience services, such as debit, check, gift, and travel money cards; online, telephone, mobile, and messenger banking services; direct deposit, night depository, notary public, safe deposit box, and wire transfer services, overdraft lines of credit services, and merchant and remote deposit services. It operated eight branch offices in Albany, Chatham, Delmar, East Greenbush, Greenport, Kinderhook, Latham, and Valatie as of March 29, 2017. Kinderhook Bank began operation in 1853 and is based in Kinderhook in New York.