Blizzard Update | Branches Open 2/25

capeandcoastbk on February 24, 2026

The Blizzard of 2026 has had quite an impact on the Cape, Islands, and other parts of New England. It’s been one for the record books – which has also caused many disruptions to everyone’s normal routine. We thank you for your patience as we have worked to safely reopen our branches, Customer Assistance Center, and Operations Center for normal business operations. 

The good news is that tomorrow, Wednesday, February 25, Cape & Coast Bank will reopen most branch locations and our Customer Assistance Center. Please note the following branches will remain closed tomorrow: East Dennis, West Barnstable, East Harwich, and King’s Way. Depending on lingering conditions and continuing weather-related impacts, our opening times may be staggered. We need to allow time for our staff to ensure that each location is ready and safe to welcome you back, as we resume business as usual.

For real-time updates on branch hours and opening times, please check our website at capeandcoastbank.com for the latest information. Or call our Customer Assistance Center at 508.568.3400 or email assist@capeandcoastbank.com. We look forward to getting back to business tomorrow and our team is ready to provide the support you need.

You can also bank 24/7 through our mobile app or online banking. If you haven’t yet downloaded the app, now is a great time to explore it! The app is available for download and offers a simple, secure way to manage your accounts, make transfers or payments, deposit checks, and access a wide range of other services, all without having to leave your home.

We appreciate your understanding as we navigated these weather challenges and are thankfully on the other side of the storm. Again, many thanks for your continued trust for your banking needs.

Stay safe and take care,
The Cape & Coast Bank Team

How to Prevent Wire and ACH Fraud

capeandcoastbk on January 27, 2026

Wire and ACH fraud often doesn’t start with a big red flag. Instead, it begins when fraudsters quietly take over the email account of a trusted vendor, customer, or partner. Once inside, they can see past conversations, invoices, and payment schedules – giving them everything they need to convincingly impersonate a legitimate contact.

Using this access, fraudsters can send emails that look to be true, including asking for a change to payments. They’ll often claim it’s a routine update and press for changes immediately. They might even apologize for the urgency.

This is the critical moment when fraud succeeds or fails.

Any request to change payment details that comes through email should be treated as a warning sign. Even if the email appears to be from a trusted source, do not respond directly to it. Do not click links, reply with questions, or call a phone number listed within the email.

Stop and verify the request using a trusted method, such as calling a known, verified phone number that you already have on file. Confirm the change with a person before taking any action. Remember, no one should be upset that you’ve taken this precaution.

Wire and ACH fraud relies on speed and assumption. Slowing down and verifying payment changes through trusted channels is one of the most effective ways businesses can protect themselves.

What to do if you’ve been scammed:

Stop further damage: Cut off contact with the scammer and secure accounts.

Report it fast: Contact us immediately at 508.568.3400. We’ll help secure your accounts, change your passwords, and guide you through fraud reporting and recovery steps. Plus, contact your local police department to report the scam and see what steps can be taken.

Update passwords: Change any shared passwords and avoid reuse.

For more fraud prevention tips, please visit our security page.

Cape & Coast Bank Announces Promotions within Residential and Consumer Lending Department

capeandcoastbk on January 16, 2026

Exemplifying its commitment to Powering Local, Cape & Coast Bank has promoted key members of its Residential and Consumer Lending to optimize and simplify the mortgage and loan process.

“Having access to financing for buying a home, making improvements, or consolidating debt makes a real difference for families and our local economy,” said Erik Porter, president and CEO, Cape & Coast Bank. “As a true community bank, we believe getting a residential or consumer loan should be straightforward and timely. That’s why we’re proud to promote team members into new roles dedicated to simplifying the application process and providing even more personalized service for homeowners and personal lending clients.”

Charlotte Green, Residential and Consumer Lending Sales & Service Manager. Charlotte will oversee the mortgage loan officer teams with expanded oversight of loan processing and closing specialist teams. This new approach will help clients by creating a seamless and transparent process from application to closing. With more than 15 years of experience, Charlotte has a wealth of financial and institutional knowledge, along with a dedication to service excellence and forging community partnerships. Additionally, Charlotte is deeply rooted in the community, serving on the board for Habitat for Humanity of Cape Cod and providing financial literacy for the Falmouth school system.

Matt Berry and Jen Grivers, Residential Mortgage Loan Officer and Sales Team Leaders. Matt and Jen will each lead a team of three loan officers. With more than 40 years of combined experience, they will help guide their teams on how to help clients through the lending process. Both are dedicated to serving the communities they call home and volunteer with Habitat for Humanity of Cape Cod. Jen also helps with the Falmouth Farmers Market and Falmouth Road Race, while Matt serves as a Big Brother with Big Brother Big Sisters and volunteers with Cape Cod & Islands Association of Realtors.

Kim Olson, Residential and Consumer Lending Administration Manager. Kim will oversee numerous aspects of Consumer and Equity lending, including compliance, quality control, audits, vendor management and technology administration. With more than 30 years of experience, Kim is dedicated to community housing, volunteering with Habitat for Humanity of Cape Cod as well as Housing Assistance Corp.

Meghan MacDonald, Loan Production Specialist. Meghan will work with loan officers and loan specialists to make the communication process smoother. She will also ensure accurate data input and oversight of critical compliance components, including initial loan disclosing.

Cape & Coast Bank Celebrates the Holidays with a Month of Charitable Giving

capeandcoastbk on December 23, 2025

Cape & Coast Bank, formerly The Cooperative Bank of Cape Cod, continues to celebrate the holiday season with a month of charitable acts to support organizations that care for Cape Codders of all ages.

On Giving Tuesday 2025, Cape & Coast Bank continued an 11-year tradition, by providing $15,000 in financial support to food assistance organizations across Cape Cod.

The bank’s decade-long tradition of providing food security assistance on Giving Tuesday, which began in 2014 as a “restock the shelves campaign,” was expanded in 2024 and once again included food distribution organizations in all 15 towns in Barnstable County.

Food assistance organizations that received $1,000 donations include:

The Lower Cape Outreach Council received a $5,000 donation to support its food pantries in Chatham, Brewster, Orleans, Eastham and Wellfleet, and in Barnstable, the Cape & Islands Veterans Outreach Center and Faith Family Kitchen each received $500.

In addition to Giving Tuesday, Cape & Coast Bank were pleased to participate in two outstanding community efforts focused on supporting the youth in our region during the holiday season.

For the Salvation Army’s ‘Dress a Live Doll’ program, the bank had the distinct privilege of supporting six children in our community by sponsoring their holiday wish lists. The bank was also honored to take part in the United States Marine’s Toys for Tots – Stuff a Bus initiative, bringing holiday joy and thoughtfully selected toys to kids in need. Cape & Coast Bank was able to provide over 100 toys for youth of all ages. “This time of year can be difficult for so many in our community, and Cape & Coast Bank is proud and humbled to support these incredible and hard-working organizations that support Cape Codders every day and make the Holiday Season brighter,” said Erik Porter, President and CEO of Cape & Coast Bank.

Cape & Coast Bank to Cap Week-Long Celebration with Official Ceremony to Launch Rebrand

capeandcoastbk on December 22, 2025

Ceremony Included Dennis-Yarmouth High Honors Ensemble Band, Time Capsule, and Special Philanthropic Announcement

On Wednesday, October 1st, the newly renamed Cape & Coast Bank concluded a week of celebration, which included client-appreciation events at each branch, with a ribbon-cutting ceremony at its Hyannis headquarters to officially launch the bank’s rebrand. Formerly known as The Cooperative Bank of Cape Cod, the new name and updated look of the 104-year-old institution reflect the bank’s commitment to serving Cape Cod and nearby communities with a continued focus on innovation and investment in the local economy.

The ceremony included an overview of the bank’s continued commitment to Cape Cod’s residents, businesses and charity organizations, music from Dennis-Yarmouth High School’s Honors Ensemble Band, as well as several impactful announcements.

The bank also honored president and CEO Lisa Oliver’s eight-year tenure and impressive record of accomplishment prior to her retirement with eight $5,000 community impact gifts to nonprofit organizations of her choice. Recipients include:

Additionally, the new Cape & Coast Bank Future Leaders Scholarship was announced Wednesday. The scholarship is an initiative that reflects Oliver’s leadership and the values that define what Cape & Coast Bank is: a deep commitment to community, creating opportunity, and investing in the next generation of leaders. The $2,500 scholarship will be awarded annually to four Cape Cod students who demonstrate academic excellence and a strong dedication to community service; qualities at the heart of the bank’s mission and central to Oliver’s leadership.

The program aims to help students pursue their professional dreams while preparing them to become leaders who give back and strengthen communities. Applications will open in January 2026, and further details about the scholarship, eligibility and application process will be released in the near future.

“Today we honor the incredible work that has brought us here, to welcome new leadership that will guide the bank into the future and embrace the new brand identity of this amazing institution,” said Lisa Oliver, Cape & Coast Bankpresident and CEO. “I’m thrilled to be a part of this celebration and humbled to the touching departing gift to help support a number of charitable organizations on Cape Cod that are near and dear to my heart.”

“Today we unveil the future of this bank which reflects not only who we are, but who we aspire to become,” stated Erik Porter, incoming president and CEO of Cape & Coast Bank. “It’s more than a name, it reflects who we are, our deep roots in Cape Cod, our commitment to guiding clients with care and confidence, and our vision for serving our community with excellence.”

Along with the official ribbon cutting, the ceremony concluded by announcing a time capsule, which will be opened in 2125, and will contain a number of historical bank-related documents and photos, along with letters to the future from employees and customers and some fun items including music of today, sand from a Cape Cod beach and coins and cash to mark the time period.

Cape & Coast Bank Named One of Nation’s Best Banks to Work for in 2025 by American Banker

capeandcoastbk on December 22, 2025

Cape & Coast Bank, formerly The Cooperative Bank of Cape Cod, has been named one of the 2025 Best Banks to Work For by American Banker magazine. American Banker has partnered with Best Companies Group to identify banks that excel at creating positive and supportive workplaces for employees. This year 90 banks earned a spot in the ranking of Best Banks to Work For, based on an anonymous employee survey and a thorough review of the benefits and perks offered.

“We are honored to be recognized again as one of the Best Banks to Work For in the United States,” said Erik Porter, Cape & Coast Bank President and CEO. “To fulfill our mission to be the best bank for Cape Cod, our leadership team prioritizes professional development, career growth, flexibility, engagement and competitive benefits for our employees. We are also committed to supporting employee volunteer and philanthropic efforts to contribute to the success of the many nonprofit organizations serving those in need on Cape Cod.”

Cape & Coast Bank’s people-first culture promotes a healthy work-life balance, benefits that promote personal wellness and professional growth including three weeks of paid vacation in year one, paid volunteer hours, tuition reimbursement, wellness stipends, and a monthly daycare subsidy.

Additionally, the “Leading the Way” program fosters leadership development, while the annual President’s Club Lunch connects employees with the CEO to exchange ideas. Internal promotions are emphasized, and a peer-to-peer recognition program highlights contributions year-round.

“The banks recognized as Best Banks to Work For are institutions employees want to join and stay,” said Chana Schoenberger, editor-in-chief of American Banker. “They understand how to give workers reasons to find purpose in their jobs.”

Determining the Best Banks to Work For involved a two-step process. The first consisted of evaluating each participating bank’s workplace policies, practices, and demographics. This part of the process was worth approximately 25% of the total evaluation. The second consisted of employee surveys aimed at assessing the experiences and attitudes of individual employees with respect to their workplace. This part of the process was worth approximately 75% of the total evaluation. The combined scores determined the final ranking.

To be considered for participation, banks had to have at least 50 employees working in the U.S. and been in business for a minimum of one year. Best Companies Group managed the registration and survey process and also analyzed the data to determine the final ranking. 

The full list of the 2025 Best Banks to Work For is available at www.americanbanker.com and is also featured in the November issue of American Banker magazine.

Cape & Coast Bank Unveils Financial Relief Options to Assist Customers Impacted by Government Shutdown

capeandcoastbk on October 20, 2025

Cape & Coast Bank, formerly The Cooperative Bank of Cape Cod, has introduced two financial relief options for bank clients that have been directly impacted by the government shutdown and subsequent furlough.

The financial options include a 0% short-term relief personal loan, as well as mortgage payment assistance for Cape & Coast Bank clients who are federal employees or federal contractors affected by the shutdown. Applicants must have an active deposit account with Cape & Coast Bank.

The short-term relief loan is designed to allow impacted clients to help cover essential expenses now, with fast-tracked applications for quick access to funds, no monthly payments required, and a single repayment due at the end of the loan term. The loan amount will be based on 75% of the applicant’s federal gross monthly income, and approved applicants can borrow between $500 and $10,000 per furloughed employee.

Applications need to be completed in person by visiting any local Cape & Coast Bank location, and applicants are required to provide two recent paystubs showing year-to-date earnings, a Shutdown Furlough Notice for federal employees or Stop Work Order for federal contractors, as well as proof of Social Security Number.

For Cape & Coast Bank mortgage clients concerned about an upcoming payment, there are relief options that will vary by loan type and may include the ability to skip a payment or other temporary accommodations. To get started, clients can call 508-568-3400 and will receive personalized guidance from the bank’s local lending team to determine the best solution. “As Cape Cod’s true community bank, we’re committed to providing assistance and solutions to clients affected by the prolonged government shutdown,” said Lisa Oliver, Chair, President, and CEO of Cape & Coast Bank. “We understand this is a stressful time financially for some clients and hope they take advantage of the bank’s special financial relief programs.”

Introducing Cape & Coast Bank

capeandcoastbk on September 24, 2025

After 104 years, one of Cape Cod’s most trusted financial institutions has a new name: Cape & Coast Bank. Formerly known as The Cooperative Bank of Cape Cod, the new name and updated look reflect the bank’s commitment to serving Cape Cod and nearby communities with a continued focus on innovation and investment in the local economy.

“As Cape Cod has evolved, so too has the bank, adapting to meet the needs of all who live, work, and love this place,” said Lisa Oliver, President, CEO, and Chair of the Board, who will retire in October. “This new name and refreshed brand are a natural next step, honoring our deep roots while ensuring the bank continues to serve our community for generations to come.”

The name change comes with a new visual identity that reflects the natural beauty of the Cape and conveys both the coastline and forward momentum of the bank. A redesigned website offers simplified navigation, refreshed content, and a more intuitive experience to ensure accessibility. Enhanced online and mobile banking technologies also deliver best-in-class digital access to complement the personal service clients rely on.

“The Cape and coastal areas we serve give our region its enduring charm, but the needs of our community continue to evolve,” said Erik Porter, CFO and incoming President & CEO. “By introducing a new name and refreshed brand, we’re reaffirming our promise to support the people and businesses who are shaping the Cape’s future.”

To celebrate the new name, Cape & Coast Bank will be holding client appreciation events in all branch locations during the week of September 29-October 3 to thank clients and celebrate the new chapter together. For more details about the name change and other information about the bank, visit capeandcoastbank.com.

Cape & Coast Bank will also honor Lisa Oliver’s eight-year tenure and impressive record of accomplishment prior to her retirement with eight $5,000 community impact gifts to nonprofit organizations of her choice. Gift recipients will be announced at a special event in early October.

Business Toolbox: Fraud, Scams and Identity Theft – Awareness and Prevention

capeandcoastbk on August 7, 2025

From old fashioned tricks such as check fraud to techniques employed by sophisticated computer hackers, financial scams are on the rise. Being forewarned is to be forearmed with information that can help you steer clear of some of the more popular scams designed to steal your money, or your identity.

Here are some of the more prevalent scams you’re likely to encounter, followed by a series of tips on how to protect yourself from falling prey.

Tech Support Scams: Fraudsters pose as representatives from reputable tech companies, claiming a victim’s personal computer or phone has been compromised. Victims are then persuaded to transfer funds to supposedly “secure” accounts. Most often senior citizens fall prey to tech support scams.

Phishing Scams: Emails or texts are used to trick victims into providing personal information, perhaps to remedy a supposed account problem with a subscription, credit card, or other account. These messages often appear to come from trusted companies and organizations.

Political Season Scams: The 2024 election year cycle is in full swing with text message solicitations for candidate contributions. Beware of legitimate looking messages which ask for a credit card number, and in some cases your bank account and routing number. If you intend to make a contribution to a candidate, or any organization, visit their website through a secure server.

Government Imposter Scams: Scammers pose as government officials, often from the IRS, claiming the victim owes money or has an unclaimed refund. Confirm any such claims by reaching out directly to the IRS.

Weather Emergency Scams: Weather scams can strike either before or after a storm. In some cases fake insurers offer an extended coverage policy for potential damage, or if your region does sustain damage, imposter contractors solicit money up front for promised repairs that never take place.

Service Shut-Off Scams: Imposters play the role of a cable service, wireless carrier, electric company or gas utility representative and threaten service will be shut off unless funds are forthcoming.

Check-Cashing Scams: A scammer asks someone to cash a check for them, which later bounces, leaving the victim liable.

Overpayment Scams:  Small businesses often fall prey to this trick. Counterfeit checks for more than the owed amount are received followed by a request for the difference to be wired back.

Unsolicited Check Fraud: Victims receive unexpected checks that, when cashed, bind them to unwanted services or memberships.

Automatic Withdrawal Scams: Scammers use fake offers to obtain bank information and set up unauthorized withdrawals. Another popular technique is employed by con artists who will offer assistance at a public ATM, only to exchange your bank card with a phony card using sleight of hand.

How to Protect Yourself:

  • Verify the legitimacy of texts, emails or phone calls by placing a call directly to the bank, organization or agency.
  • Be cautious of sharing personal information at all times.
  • Never cash checks for strangers.
  • Verify the authenticity of received checks.
  • Promptly report suspected scams to authorities and financial institutions.

While financial fraud and scams can be a costly inconvenience, identity theft can take months to remedy, potentially placing every aspect of your personal records in jeopardy. Your social security number should be protected at all times. Criminals gain access to your social security number by various methods such as dumpster diving, skimming, phishing, changing addresses, and stealing mail. Protect yourself by:

  • Shredding sensitive documents.
  • Never share personal information over unsolicited calls.
  • Black out your social security number on any copied documents where it is not essential information.
  • Reviewing financial statements promptly.
  • Checking credit reports annually for inaccuracies.
  • Using secure websites for online transactions. Secure websites begin with what is called a URL prefix ending in “s” – For example: https://www.Website. Make sure the “s” is present.
  • Request that the USPS place a hold on your delivered mail if away on vacation.

Overall, being aware of common scams and practicing caution can help protect personal and financial information from being compromised.

The security of personal and account information is extremely important to Cape & Coast Bank. As a true community bank, it is our responsibility to keep you, the customer, informed of current fraud trends and to educate you on how to best protect yourself. By taking a proactive approach, we can help ensure that your private information is protected.

For more information, please visit Cape & Coast Bank website.

Cape & Coast Bank Reports Growth, CEO Retirement, and $470K in Community Giving at Annual Meeting

capeandcoastbk on April 29, 2025

Cape & Coast Bank reported strong financial growth, announced key leadership transitions, and highlighted its philanthropic impact across Cape Cod at its annual meeting for the fiscal year ending March 31, 2025.

Chief Financial Officer and Treasurer Erik Porter reported the bank reached $1.61 billion in total assets and net income of more than $4 million, reflecting continued financial strength amid economic volatility. He also highlighted solid growth across multiple areas of the business including deposits and cash management services, residential and commercial lending, and financial advisory services.

“Despite ongoing economic uncertainty, we’ve continued to grow thanks to our dedicated team and the trust of our clients,” said Lisa Oliver, Chair of the Board, President and CEO, Cape & Coast Bank. “For more than a century, the bank has supported Cape Codders and local businesses, and we will continue this support in the future. Our vision is to transform lives through the power of community banking, and we remain committed to that mission moving forward.”

Oliver, who has led the bank since 2017, earlier this year announced her retirement effective Oct. 31, 2025. During her tenure, the bank has expanded services, strengthened community ties, and achieved remarkable financial performance.

The bank also bid farewell to Gene Guill, who is retiring as Lead Director, although he will remain a bank corporator. Gary DellaPosta, a member of the bank’s Board of Directors since 2013, will assume the post of Lead Director effective immediately. DellaPosta, owner of a Falmouth-based accounting and tax advisory firm, has served as the chair of the bank’s Audit Committee for the past decade and has also held leadership roles on the Nominating and Governance, Compensation and Technology committees.

“We are profoundly grateful for the dedication and commitment Gene has provided in his bank governance role during the past eight years,” said Oliver. “His incredible business acumen, counsel and camaraderie will be greatly missed. We will be well-served moving forward with the financial industry and institutional knowledge of Gary DellaPosta.”

Philanthropy and Community Investment

During the annual meeting, the bank also reported that its corporate giving initiatives and Cape & Coast Bank  Charitable Foundation Trust combined to contribute $470,012 in philanthropic and community support funding to more than 117 local nonprofit organizations during the recently completed fiscal year. This funding supported causes such as housing access, food security, and youth development throughout the Cape.