Ulster Savings Bank offers a full line of insurance products through its subsidiary, Ryan Insurance. Offices are located in Kingston, Walden, Poughkeepsie, and Red Hook, New York. USB Agency Tax and Financial Services, a subsidiary of Ulster Savings Bank, offers a full array of financial and investment services in addition to tax preparation services. Offices are located in Kingston and Saugerties. USB Agency Tax & Financial Services and Ryan Insuranceare subsidiaries of Ulster Savings Bank and their products and services are NOT FDIC INSURED.