A lot of banking will be changing in the Watertown area with the sale of HSBC's upstate branches and I got some more reading material today from First Niagara, which is buying only some NNY branches but all the credit card accounts.
The booklet on conversion is very thorough although the only local residents who will have their deposit accounts changed are the customers of the Evans Mills and Carthage branches.
Customers at other branches will have the option of becoming customers of Community Bank sometime later this summer. A flood of customers have moved all or part of their banking to other banks already.
There's a lot of little things to remember to do, especially any fund transfers like credit card processors or Lottery accounts.
I am a little old school in that I enjoy the daily trip to the bank, so all these changes upset my regimen.