Vermont Credit Union for Over 70 Years | Vermont Federal Credit Union. 211691062. Become a Member. Alerts 3. Login. Welcome to. Vermont's Credit Union. A better way of banking with a Credit Union that is immersed in the community, featuring the latest in technology, innovative products and services, and easy access to all of your accounts. Compare Checking Accounts. M&T offers four unique personal checking account options that include convenient features like Zelle® 1 and mobile check deposit. 2 See what account fits you best. Open an account online today or book an appointment at your nearest branch. Open Online.4.50%. Annual Percentage Yield (APY). $1,000 minimum deposit required to open. Find a Branch. Open an M&T 18-Month CD or 12-Month CD with a great rate.1 These CDs do not require a qualifying checking account2 or an existing M&T Bank relationship. Check out our rates below:About the Citizens Rutland location. Visit our Rutland, VT, branch at 47 Merchants Row, or call us at (802) 775-0025 and ask about any of our products - checking and savings accounts, home borrowing solutions, student loans, credit cards, and more. At Citizens, we are here to help you bank better.M&T Bank ACH transfer routing number. The ACH routing number for M&T Bank is 022000046. Short for Automatic Clearing House, ACH numbers are unique to each bank in the US. The ACH number and your bank account number are used by banks and transfer apps like Zelle or Cash App to identify the exact account payments should be taken from and sent to. Branch & ATM. Welcome to M&T Bank. Come see us at our North Avenue branch, located at 1070 North Avenue in Burlington, VT. Be sure to check our hours of operation or use our branch ATMs, available 24/7 for your convenience. Your personal banker is your go-to resource for all your financial needs.Published: Sep. 12, 2022 at 8:43 PM PDT. BURLINGTON, Vt. (WCAX) - From being locked out of online banking, to receiving messages that their account does not exist at all, customers of the former ...Help & Contact Questions and Applications 1-888-KEY-0018. Home Lending Customer Service 1-800-422-2442. Clients using a TDD/TTY device: 1-800-539-8336Branch & ATM. Welcome to M&T Bank. Come see us at our North Avenue branch, located at 1070 North Avenue in Burlington, VT. Be sure to check our hours of operation or use our branch ATMs, available 24/7 for your convenience. Your personal banker is your go-to resource for all your financial needs. 256073302. Y. N. Amherst, NY. M & T Bank. A routing number is a nine digit code, used in the United States to identify the financial institution. Routing numbers are used by Federal Reserve Banks to process Fedwire funds transfers, and ACH (Automated Clearing House) direct deposits, bill payments, and other automated transfers.Your M&T account number and Social Security Number, or Your M&T debit card number and debit card PIN Select Option 1 “Account Information” at the Main Menu We’re here to help.Enroll Now. Unauthorized access is prohibited. Usage may be monitored. Have questions about M&T Online Banking? Personal Accounts: 1-800-790-9130. Monday - Friday 8am - 9pm ET. Saturday - Sunday 9am - 5pm ET. Business Accounts: 1-800-724-6070. Monday - Friday 6am - 9pm ET.Manufacturers and Traders Trust Company, Vernon Branch at 6 Pitkin Rd, Vernon Rockville, CT 06066. Check 2 client reviews, rate this bank, find bank financial info, routing numbers ... Community National Bank, Vermont's Community Bank, ... Routing Number - 011601029 NMLS #423145 ; Online Banking Login. Feedback. Trigger Leaving Site.Apr 6, 2023 · Find the routing number associated with the state where you opened your account below: StateM&T Bank Routing NumberConnecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Vermont 022000046Delaware, Pennsylvania031302955Maryland; Virginia; Washington, D.C.; West Virginia052000113 It's important to use the correct routing number ... Pre-fill your application with your M&T Online Banking login informationFounded in 1831, National Bank of Middlebury has served the needs of the people who live and work in west central Vermont for almost two centuries. We are a locally owned and managed independent bank and are proud to contribute to the local economies of the communities we serve. We are committed to helping our customers live their best lives by ...For your business accounts, please contact your relationship manager, visit your or call 1-800-724-6070. Yes, funds from cash and checks deposited to your account will be paid in a different order. For details, see page 52 in the. Use the generic slips at the branch. Order new slips with your current check vendor using the updated routing ...Routing Number Tax Period End Date . Use the routing number for the Vermont Enter the date as year, month, day—YYMMDD. Department of Taxes: 221172186. Example: Enter Dec. 31, 2021, as 211231 . 1 . Bookmark to page 2. Bookmark to page 2. Bookmark to page 2Online banking portal: You'll be able to get your bank's routing number by logging into online banking. Paper check or bank statement: Bank-issued checks or bank statements. See the bottom left side of your check. Bank customer service: You'll be able to get your routing number by contacting your bank's customer service staff.The most convenient online tool to find and review banks in the United States. Nearly 7,000 banks with more than 90,000 offices and 20,000 routing numbers listed. Ask and answer related questions. Additional Contact Numbers Student Loans. Sallie Mae - 1-888-272-5543 NELNET - 1-888-486-4722 PHEAA/AES - 1-800-233-0557. Personal Loans (Installment)Jul 31, 2019 · About Press Copyright Contact us Creators Advertise Developers Terms Privacy Policy & Safety How YouTube works Test new features NFL Sunday Ticket Press Copyright ... 5700 Vermont 100 Suite #H-20. Londonderry, VT, 05148. Get Directions (802) 824-3121 (802) 824-3121. Top 10 SBA Lender. SBA Fiscal Year 2022. Small Business Excellence. M and T Bank - Bethel Branch. Full Service, brick and mortar office. 146 Greenwood Avenue. Bethel, CT, 06801. Full Branch Info | Routing Number | Swift Code. M and T Bank - Brookfield Branch. Full Service, brick and mortar office. 247 Federal Road. Brookfield, CT, 06804. M and T Bank - Bethel Branch. Full Service, brick and mortar office. 146 Greenwood Avenue. Bethel, CT, 06801. Full Branch Info | Routing Number | Swift Code. M and T Bank - Brookfield Branch. Full Service, brick and mortar office. 247 Federal Road. Brookfield, CT, 06804. 5700 Vermont 100 Suite #H-20. Londonderry, VT, 05148 (802) 824-3121. Get Directions. Book an Appointment. Branch & ATM. Springfield VT. Lobby: Compare Checking Accounts. M&T offers four unique personal checking account options that include convenient features like Zelle® 1 and mobile check deposit. 2 See what account fits you best. Open an account online today or book an appointment at your nearest branch. Open Online. 373 M&T Bank Branches and ATMs in Maryland. M&T Bank is proud to serve our Maryland customers and business clients through our network of branches and ATMs and online. Recognized for our financial strength, sound management, and tradition of reliability, we are committed to supporting our customers and communities in Delaware and everywhere ... You can see this button at the top left hand corner. Then you can see your M&T Bank routing number. You will see the 9-digit routing number corresponding to your state. Therefore, you should be using that to receive wire transfers. You can follow the steps we stated above and look for the M&T Bank routing number. Waldorf office is located at 11175 Mall Circle, Waldorf. You can also contact the bank by calling the branch phone number at 301-705-7837. M&T Bank Waldorf branch operates as a full service brick and mortar office. For lobby hours, drive-up hours and online banking services please visit the official website of the bank at www.mtb.com.With a community bank approach, M&T Bank helps people reach their personal and business goals with banking, mortgage, loan and investment services.The customer support team of M&T Bank can be reached by phone at 1-800-724-2440, 1-800-790-9130, and 1-877-682-4721. M&T Bank Service Hours. The team of M&T bank is available for customer service from Monday to Friday: 6 am to 9 pm and the working hours are 9 am to 5 pm on Saturday and Sunday. With a community bank approach, M&T Bank helps people reach their personal and business goals with banking, mortgage, loan and investment services.Enroll Now. Unauthorized access is prohibited. Usage may be monitored. Have questions about M&T Online Banking? Personal Accounts: 1-800-790-9130. Monday - Friday 8am - 9pm ET. Saturday - Sunday 9am - 5pm ET. Business Accounts: 1-800-724-6070. Monday - Friday 6am - 9pm ET.Waldorf office is located at 11175 Mall Circle, Waldorf. You can also contact the bank by calling the branch phone number at 301-705-7837. M&T Bank Waldorf branch operates as a full service brick and mortar office. For lobby hours, drive-up hours and online banking services please visit the official website of the bank at www.mtb.com.Branch & ATM. Welcome to M&T Bank. Come see us at our North Avenue branch, located at 1070 North Avenue in Burlington, VT. Be sure to check our hours of operation or use our branch ATMs, available 24/7 for your convenience. Your personal banker is your go-to resource for all your financial needs.Search M&T Bank branch locations and ATMs. Easily manage your finances when you open a savings account or checking account at M&T Bank.Jul 31, 2019 · About Press Copyright Contact us Creators Advertise Developers Terms Privacy Policy & Safety How YouTube works Test new features NFL Sunday Ticket Press Copyright ... 5700 Vermont 100 Suite #H-20. Londonderry, VT, 05148 (802) 824-3121. Get Directions. Book an Appointment. Branch & ATM. Springfield VT. Lobby: The last digit is a checksum digit. An example of a routing number for M&T Bank is 052000113. 05 indicates the bank is in the Richmond Federal Reserve region. 2 is for the Federal Reserve check processing center. 0 means that the bank is considered to be located in one of the 12 Federal Reserve cites. 0011 is a unique ABA identity for M&T Bank ... There are three M&T Bank routing numbers based on the state in which you opened your account. They are: 022000046 – Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York and Vermont. 031302955 – Pennsylvania and Delaware. 052000113 – Maryland, Virginia, West Virginia and Washington, DC. Direct Deposit Authorization Form ...Following the acquisition of People’s United Bank by M&T Bank, the company now operates a reported 1,100 branches in 12 states from Maine to Virginia and the District of Columbia. There are 38 branches in Vermont. The change-over for customers officially occurred on Sept. 6, with new banking cards issued and other changes taking effect.The following forms are key elements to FATCA compliance and can be used to facilitate the identification of the payee’s FATCA classification, registration with the IRS, and the year-end reporting requirements. Form W-9. Request for Taxpayer Identification Number and Certification. For m W-8BEN. Certificate of Foreign Status of Beneficial ... Sep 13, 2022 · Published: Sep. 12, 2022 at 8:43 PM PDT. BURLINGTON, Vt. (WCAX) - From being locked out of online banking, to receiving messages that their account does not exist at all, customers of the former ... The most convenient online tool to find and review banks in the United States. Nearly 7,000 banks with more than 90,000 offices and 20,000 routing numbers listed. Ask and answer related questions.The 221172186 ABA Check Routing Number is on the bottom left hand side of any check issued by PEOPLE'S UNITED BANK, N.A.. In some cases, the order of the checking account number and check serial number is reversed. Save on international money transfer fees by using Wise, which is up to 8x cheaper than transfers with your bank. M&T Center, Buffalo. M&T Bank Corporation (Manufacturers and Traders Trust Company) is an American bank holding company headquartered in Buffalo, New York. [2] It operates 1,000+ branches in 12 states across the Eastern United States, from Maine to Southern Virginia. [1] [3] Until May 1998, the bank's holding company was named First Empire ... Your M&T account number and Social Security Number, or Your M&T debit card number and debit card PIN Select Option 1 “Account Information” at the Main Menu We’re here to help. Routing Number Tax Period End Date . Use the routing number for the Vermont Enter the date as year, month, day—YYMMDD. Department of Taxes: 221172186. Example: Enter Dec. 31, 2021, as 211231 . 1 . Bookmark to page 2. Bookmark to page 2. Bookmark to page 2 M&T Bank is a FDIC-insured bank with certificate number of 588. The assigned Fed RSSD ID of M&T Bank is 501105. M&T Bank currently operates with 1009 branches located in 13 states. The bank has most branches in New York, Connecticut, Maryland, Pennsylvania and New Jersey. As of today, M&T Bank is the 11th largest bank in US by branch count. Welcome to M&T Bank. Come see us at our White River Junction branch, located at 190 Maple Street in White River Junction, VT. Be sure to check our hours of operation or use our branch ATMs, available 24/7 for your convenience. Your personal banker is your go-to resource for all your financial needs.256073302. Y. N. Amherst, NY. M & T Bank. A routing number is a nine digit code, used in the United States to identify the financial institution. Routing numbers are used by Federal Reserve Banks to process Fedwire funds transfers, and ACH (Automated Clearing House) direct deposits, bill payments, and other automated transfers.M&T Bank ACH transfer routing number. The ACH routing number for M&T Bank is 022000046. Short for Automatic Clearing House, ACH numbers are unique to each bank in the US. The ACH number and your bank account number are used by banks and transfer apps like Zelle or Cash App to identify the exact account payments should be taken from and sent to. 256073302. Y. N. Amherst, NY. M & T Bank. A routing number is a nine digit code, used in the United States to identify the financial institution. Routing numbers are used by Federal Reserve Banks to process Fedwire funds transfers, and ACH (Automated Clearing House) direct deposits, bill payments, and other automated transfers.M&T Bank Routing Number. The routing number for M&T Bank is 022000046. The bank has 9 routing numbers (one for each state) so make sure you use the right one. Read on to know more about what is a routing number and how to use it for wire transfers. 4.47.1882 East Avenue. Rochester, NY, 14610. Full Branch Info | Routing Number | Swift Code. M and T Bank - Waring Branch. Full Service, brick and mortar office. 314 Waring Road. Rochester, NY, 14609. Full Branch Info | Routing Number | Swift Code. M and T Bank - Lyell Branch.The following forms are key elements to FATCA compliance and can be used to facilitate the identification of the payee’s FATCA classification, registration with the IRS, and the year-end reporting requirements. Form W-9. Request for Taxpayer Identification Number and Certification. For m W-8BEN. Certificate of Foreign Status of Beneficial ... About Press Copyright Contact us Creators Advertise Developers Terms Privacy Policy & Safety How YouTube works Test new features NFL Sunday Ticket Press Copyright ...M&T Bank operates with 38 branches in 34 different cities and towns in the state of Vermont. The bank also has 971 more offices in twelve states. Locations with M&T Bank offices are shown on the map below. You can also scroll down the page for a full list of all M&T Bank Vermont branch locations with addresses, hours, and phone numbers information.ACH US Routing Number - M & T BANK. Click on the routing number for more details. Routing Number. Address. City. State. 1. 021300336. 2ND FLOOR.Feb 22, 2021 · BUFFALO, N.Y. and BRIDGEPORT, Conn., Feb. 22, 2021 -- M&T Bank Corporation (NYSE: MTB) ("M&T") and People's United Financial, Inc. (NASDAQ: PBCT) ("People's United") announced today that they have entered into a definitive agreement under which M&T will acquire People's United in an all-stock transaction. The combined company will create a ... Enroll Now. Unauthorized access is prohibited. Usage may be monitored. Have questions about M&T Online Banking? Personal Accounts: 1-800-790-9130. Monday - Friday 8am - 9pm ET. Saturday - Sunday 9am - 5pm ET. Business Accounts: 1-800-724-6070. Monday - Friday 6am - 9pm ET. User ID. Forgot Password? Have a question? Give us a call at 1-800-724-2240.The customer support team of M&T Bank can be reached by phone at 1-800-724-2440, 1-800-790-9130, and 1-877-682-4721. M&T Bank Service Hours. The team of M&T bank is available for customer service from Monday to Friday: 6 am to 9 pm and the working hours are 9 am to 5 pm on Saturday and Sunday.To find out more or to enroll, call 1-800-724-2240, Monday–Friday 8am–6pm ET to speak to one of our Treasury Management Service Team, or contact your M&T Relationship Manager.46 M&T Bank Branches and ATMs in Vermont. M&T Bank is proud to serve our Vermont customers and business clients through our network of branches and ATMs and online. Recognized for our financial strength, sound management, and tradition of reliability, we are committed to supporting our customers and communities in Delaware and everywhere else ... The customer support team of M&T Bank can be reached by phone at 1-800-724-2440, 1-800-790-9130, and 1-877-682-4721. M&T Bank Service Hours. The team of M&T bank is available for customer service from Monday to Friday: 6 am to 9 pm and the working hours are 9 am to 5 pm on Saturday and Sunday.About the Citizens Rutland location. Visit our Rutland, VT, branch at 47 Merchants Row, or call us at (802) 775-0025 and ask about any of our products - checking and savings accounts, home borrowing solutions, student loans, credit cards, and more. At Citizens, we are here to help you bank better. M&T Bank routing numbers for wire transfers. The routing number for M&T Bank for domestic wire ...If you're out of personal checks, or running low, here’s how to reorder checks in one of three easy ways: Reorder online. Place your order directly through our check printer, Deluxe Corporation – reorder now 1. Disclosure number, please reference additional details in the Disclosures section at the bottom of this page. Call 1-800-724-2440. People’s United Bank is a regional financial institution that’s been serving the American Northeast since 1842. Today, it commands $59 billion in assets across more than 400 branches. In this piece, GOBankingRates takes a look at the bank’s routing number and how it’s used. The routing number for Peoples United Bank is 221172186.Branch & ATM. Welcome to M&T Bank. Come see us at our North Avenue branch, located at 1070 North Avenue in Burlington, VT. Be sure to check our hours of operation or use our branch ATMs, available 24/7 for your convenience. Your personal banker is your go-to resource for all your financial needs. Help & Contact Questions and Applications 1-888-KEY-0018. Home Lending Customer Service 1-800-422-2442. Clients using a TDD/TTY device: 1-800-539-8336 For your business accounts, please contact your relationship manager, visit your or call 1-800-724-6070. Yes, funds from cash and checks deposited to your account will be paid in a different order. For details, see page 52 in the. Use the generic slips at the branch. Order new slips with your current check vendor using the updated routing ...The 052000113 ABA Check Routing Number is on the bottom left hand side of any check issued by M & T BANK. In some cases, the order of the checking account number and check serial number is reversed. Save on international money transfer fees by using Wise, which is up to 8x cheaper than transfers with your bank.Enroll Now. Unauthorized access is prohibited. Usage may be monitored. Have questions about M&T Online Banking? Personal Accounts: 1-800-790-9130. Monday - Friday 8am - 9pm ET. Saturday - Sunday 9am - 5pm ET. Business Accounts: 1-800-724-6070. Monday - Friday 6am - 9pm ET. Published: Sep. 12, 2022 at 8:43 PM PDT. BURLINGTON, Vt. (WCAX) - From being locked out of online banking, to receiving messages that their account does not exist at all, customers of the former ...5700 Vermont 100 Suite #H-20. Londonderry, VT, 05148. Get Directions (802) 824-3121 (802) 824-3121. Top 10 SBA Lender. SBA Fiscal Year 2022. Small Business Excellence.Problem Signing on? Call Customer Care: 1-866-764-8638 Customer Care hours: Monday – Friday: 8am – 6pm (EST) Request A Callback. Is your account locked? Click here. M&T Center, Buffalo. M&T Bank Corporation (Manufacturers and Traders Trust Company) is an American bank holding company headquartered in Buffalo, New York. [2] It operates 1,000+ branches in 12 states across the Eastern United States, from Maine to Southern Virginia. [1] [3] Until May 1998, the bank's holding company was named First Empire ...373 M&T Bank Branches and ATMs in Maryland. M&T Bank is proud to serve our Maryland customers and business clients through our network of branches and ATMs and online. Recognized for our financial strength, sound management, and tradition of reliability, we are committed to supporting our customers and communities in Delaware and everywhere ... Search M&T Bank branch locations and ATMs. Easily manage your finances when you open a savings account or checking account at M&T Bank.Business doesn't just happen from 9-5. We're here to help you move forward — outside of office hours. Understanding what's ahead and guiding you through the decision-making process so you can take the next step. Transparency with the options you have, easy-to-understand resources and expertise from years of experience. People's United - Personal Banking Will I need to use a new routing number? Continue to use your existing checks until they run out. When you order new checks, they will have M&T Bank's routing number. For any new payments that you setup, we recommend that you use the M&T Bank routing number, 022000046.Branch & ATM. Welcome to M&T Bank. Come see us at our Woodstock branch, located at 2 The Green in Woodstock, VT. Be sure to check our hours of operation or use our branch ATMs, available 24/7 for your convenience. Your personal banker is your go-to resource for all your financial needs. Manufacturers and Traders Trust Company, Vernon Branch at 6 Pitkin Rd, Vernon Rockville, CT 06066. Check 2 client reviews, rate this bank, find bank financial info, routing numbers ... Enroll Now. Unauthorized access is prohibited. Usage may be monitored. Have questions about M&T Online Banking? Personal Accounts: 1-800-790-9130. Monday - Friday 8am - 9pm ET. Saturday - Sunday 9am - 5pm ET. Business Accounts: 1-800-724-6070. Monday - Friday 6am - 9pm ET. Enroll Now. Unauthorized access is prohibited. Usage may be monitored. Have questions about M&T Online Banking? Personal Accounts: 1-800-790-9130. Monday - Friday 8am - 9pm ET. Saturday - Sunday 9am - 5pm ET. Business Accounts: 1-800-724-6070. Monday - Friday 6am - 9pm ET.M&T Bank is a FDIC-insured bank with certificate number of 588. The assigned Fed RSSD ID of M&T Bank is 501105. M&T Bank currently operates with 1009 branches located in 13 states. The bank has most branches in New York, Connecticut, Maryland, Pennsylvania and New Jersey. As of today, M&T Bank is the 11th largest bank in US by branch count. Name: Manufacturers and Traders Trust Company, Vernon Branch. Full Service Brick and Mortar Office. Review: 2 client reviews. Location: 6 Pitkin Rd. Vernon Rockville, CT 06066. Tolland County.
026009593. In our record, Bank of America has a total of 150 routing numbers. Routing Number. Process FedACH. Process Fedwire. Location. Registered Name. 026009593. Y.. How much does denny
About the Citizens Rutland location. Visit our Rutland, VT, branch at 47 Merchants Row, or call us at (802) 775-0025 and ask about any of our products - checking and savings accounts, home borrowing solutions, student loans, credit cards, and more. At Citizens, we are here to help you bank better.373 M&T Bank Branches and ATMs in Maryland. M&T Bank is proud to serve our Maryland customers and business clients through our network of branches and ATMs and online. Recognized for our financial strength, sound management, and tradition of reliability, we are committed to supporting our customers and communities in Delaware and everywhere ...M&T Bank Routing Number New Jersey - 022000046. M&T Bank Routing Number New York - 022000046. M&T Bank Routing Number Pennsylvania - 031302955. M&T Bank Routing Number Virginia - 052000113. M&T Bank Routing Number Washington - 052000113. M&T Bank Routing Number West Virginia - 052000113.Enroll Now. Unauthorized access is prohibited. Usage may be monitored. Have questions about M&T Online Banking? Personal Accounts: 1-800-790-9130. Monday - Friday 8am - 9pm ET. Saturday - Sunday 9am - 5pm ET. Business Accounts: 1-800-724-6070. Monday - Friday 6am - 9pm ET.788 branches found. Showing 766 - 780. M and T Bank - Ashburn Branch Full Service, brick and mortar office 43911 Farmwell Hunt Plaza Ashburn, VA, 20147 Full Branch Info | Routing Number | Swift Code. M and T Bank - Sliding Hill Branch Full Service, brick and mortar office 9695 Sliding Hill Road Ashland, VA, 23005 Full Branch Info | Routing ... Branch & ATM. Welcome to M&T Bank. Come see us at our North Avenue branch, located at 1070 North Avenue in Burlington, VT. Be sure to check our hours of operation or use our branch ATMs, available 24/7 for your convenience. Your personal banker is your go-to resource for all your financial needs. M&T Bank ACH transfer routing number. The ACH routing number for M&T Bank is 022000046. Short for Automatic Clearing House, ACH numbers are unique to each bank in the US. The ACH number and your bank account number are used by banks and transfer apps like Zelle or Cash App to identify the exact account payments should be taken from and sent to.Compare Checking Accounts. M&T offers four unique personal checking account options that include convenient features like Zelle® 1 and mobile check deposit. 2 See what account fits you best. Open an account online today or book an appointment at your nearest branch. Open Online. Community National Bank, Vermont's Community Bank, ... Routing Number - 011601029 NMLS #423145 ; Online Banking Login. Feedback. Trigger Leaving Site.ACH US Routing Number - M & T BANK. Click on the routing number for more details. Routing Number. Address. City. State. 1. 021300336. 2ND FLOOR.Manufacturers and Traders Trust Company, Vernon Branch at 6 Pitkin Rd, Vernon Rockville, CT 06066. Check 2 client reviews, rate this bank, find bank financial info, routing numbers ... At M&T, our greatest asset is our people. They are what set us apart. Working at M&T means more than just having a job. It means working together to make a difference in people’s lives. Learn more about the M&T family and the programs that make M&T a great place to work and serve our customers and communities..