Chemung Financial Corporation operates as the holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. It offers various deposits and loans of different types. In addition, the Company provides wealth management services and guardian, custodian, trustee, and agent for pension, profit-sharing, and other employee benefit trusts, as well as various investment, pension, estate planning, and employee benefit administrative services. Further, it offers mutual funds, securities and insurance brokerage, tax preparation, interest rate swaps, and other services.