Rhinebeck Bank Names Jeff Nowicki Digital Banking Chief
The New York lender is expanding direct and partner banking initiatives under its new chief digital banking officer.
Updated on Nov. 11, 2026 in Banking
Rhinebeck Bank has appointed Jeff Nowicki as chief digital banking officer, effective immediately. Nowicki will lead the design and launch of the bank's direct banking and partner banking initiatives.
Why it matters
The bank's new public model and national direct business line are intended to broaden access to core deposits, diversify funding, and create new fee income. The move signals a push to grow beyond its traditional regional retail footprint.
The announcement cites more than 15 years of financial experience for Nowicki and a 1860 founding date for the bank. Specific timelines, deposit targets, and partner identities for the new initiatives have not been disclosed.
The players
Rhinebeck Bank
A New York-headquartered bank founded in 1860 that offers retail checking and savings, credit, mortgage, insurance, wealth management, and treasury management services to businesses.
Jeff Nowicki
A financial services executive with over 15 years of experience who previously served as chief banking officer at Treasury Prime and held senior roles at several regional banks.
The details
Nowicki most recently served as chief banking officer at Treasury Prime and previously held senior leadership roles at BankProv, UniBank for Savings, and Radius Bank. His responsibilities include business development, digital deposit acquisition, embedded banking partnerships, product strategy, vendor management, and cross-functional implementation. He began his own advisory firm, Nowicki Solutions, in January before joining the bank.
Timeline
July: Rhinebeck Bancorp completed its second-step conversion from a mutual holding company to a fully public institution.
January: Nowicki launched his advisory firm, Nowicki Solutions.
November 11, 2026: Nowicki was appointed chief digital banking officer, effective immediately.
Market Landscape
The appointment follows Rhinebeck Bancorp's July second-step conversion to a fully public company, which the bank is now using to pursue direct and partner-based deposit gathering. The strategy places the regional lender in competition with digital-first and embedded-banking providers seeking low-cost deposits.
For customers, the expansion may eventually mean new digital account options and partner-based banking products from Rhinebeck Bank. Savers and borrowers should watch for specific product launches before changing where they hold deposits.
The takeaway
Regional banks that complete public conversions often use the capital and visibility to pursue digital growth, so watch for product launches that signal whether deposit strategies are changing. Compare any new digital account terms, fees, and insurance coverage before moving funds.
Further reading
For more on how regional lenders are approaching digital deposits, explore the Banking section.
Source note: This article includes information reported by FinTech Futures.
