SAME BANK, NEW NAME. Welcome Packet

Transcription

1 SAME BANK, NEW NAME Welcome Bank of Quincy Customers It is with great pride we welcome all Bank of Quincy customers to our HOMEBANK family! Our commitment remains the same exceptional products and service like no other bank. Welcome Packet

2 Joseph Thomas Chief Executive Officer Mark Hayes Community Bank Caly Cramsey Chief Financial Officer Troy Kemp Senior Vice Mike Smith Senior Vice Marcia Hardin Senior Vice Daron Duke Vice Bridget Hilbing Vice Janiece Campbell Vice Amber Uppinghouse Vice Amy Goehl Vice Hadley DeFraia Vice Cyndee Lester Assistant Vice Brady Frericks Assistant Vice Nathan Bozarth Assistant Vice

3 Dear Bank of Quincy Customer, Being successful requires more than just assets it requires a team of forward thinking leaders and great employees committed to their customers and their needs. In 1999 when we chartered Bank of Quincy, the mission was simple - provide the Quincy area with outstanding service and innovative products. This philosophy has elevated Bank of Quincy to be a superior financial institution in Quincy and the surrounding area. When two healthy and successful financial institutions that have common ownership have a business purpose to offer both sets of their customers more convenience, it only makes sense for them to become one. Combining both bank s resources gives our customers options and opportunities they would not have had otherwise. Since inception, Bank of Quincy has been under the same ownership/leadership umbrella as HOMEBANK. This relationship has fostered a tremendous amount of collaboration within each banking group creating powerful relationships to forge a strong future for both banks. When two great banks come together, you get one OUTSTANDING financial institution with the finest team to offer customers the best banking experience possible. It is with great pride we welcome all Bank of Quincy customers to our HOMEBANK family! Our commitment remains the same exceptional products and service like no other bank. We realize this merger may cause anxiety but we have designed this process to be as seamless as possible for our customers. This packet has been provided to answer your questions and concerns regarding this transition. We have extended our call center hours to answer your questions. We are here for you so please feel free to call, drop in or us at any of our locations. We appreciate your business and look forward to serving you into the future. Regards, Mark Hayes Community Bank Joseph Thomas Chief Executive Officer

4 Important Dates OCTOBER 30 th, FRIDAY 5pm - The following services will be unavailable until Monday, Nov 2 nd at 8am: Hour Telephone Banking Internet Banking View Only Bill Pay Mobile Banking App OCTOBER 30 th, FRIDAY 10pm Both Bank of Quincy locations open until 6pm You may experience a lower debit card limit allowance on certain transactions for hours due to the conversion process OCTOBER 31 st, SATURDAY All Bank of Quincy locations will be closed Extended call center hours on Saturday Oct. 31 st - 8am 2pm NOVEMBER 2 nd, MONDAY 8am Quincy Branches open - Drive-Thru 7:30am, Lobby 8am Web page operational Internet Banking/Bill Pay available Log in using your existing Username and Password Hour Telephone Banking available HOMEBANK Mobile Banking app functional - delete BOQ Mobile App and download HOMEBANK app

5 Important Technology Information Important Technology Information AVAILABILITY Friday, October 30 th 5pm Internet Banking (view only), Bill Pay, Mobile Banking App and Hour Telephone Banking will be unavailable. Monday, November 2 nd 8am Internet Banking, Bill Pay, HOMEBANK Mobile Banking App and Hour Telephone Banking will be fully functional. HOUR TELEPHONE BANKING Call Use your existing Hour Telephone Banking credentials to access the system. WEBPAGE The HOMEBANK webpage, will be operational and reflect all the necessary changes regarding the merger at 8am on Monday, November 2 nd. INTERNET BANKING/BILL PAY Internet Banking and Bill Pay will be fully functional as of 8am on Monday, November 2 nd. Use your existing Internet Banking username and password to access your Internet Banking and Bill Pay for the first time. If you were not enrolled in Bank of Quincy s Internet Banking, click on the New User Signup tab on the main page to enroll in HOMEBANK s Internet Banking. MOBILE BANKING APP Download the HOMEBANK mobile app using one of the following methods: o If your smart phone has a QR Code scanner app, scan the box below to download the app. o Visit the Apple App Store to download the HOMEBANK app for IOS o Visit Google Play to download the HOMEBANK app for Android QR Code - HOMEBANK Mobile Banking App

6 General Important Information General Information QUINCY BRANCHES Bank of Quincy locations will be closed for business on Saturday, October 31 st. All branches will reopen as HOMEBANK on Monday, November 2 nd. HOMEBANK Call Center will be operational from 8am to 2pm Saturday, October 31 st but will not have access to Bank of Quincy customer account information during this time. SERVICES Hour Telephone Banking 5pm on Friday, October 30 th, Hour Telephone Banking will not be available. It will be functional at 8am on November 2 nd. You will use the same log in credentials you used for Bank of Quincy. Internet Banking 5pm on Friday, October 30 th, Bank of Quincy Internet Banking will be view only. You may view your account balances but you will not be able to transfer money or pay bills until Monday, November 2 nd. Your existing username and password will convert over to HOMEBANK s Internet Banking site. Bill Pay 5pm on Friday, October 30 th, Bill Pay will not be functional. Please keep this in mind when scheduling payments in the future. Mobile Banking App Bank of Quincy Mobile App will no longer be functional as of 5pm on Friday October 30 th. You will delete your Bank of Quincy Mobile App. The HOMEBANK Mobile Banking App will be available for download anytime during the weekend but will not be functional until Monday, November 2 nd. If you have Bank of Quincy s Internet Banking, your username and password will convert to the HOMEBANK Mobile Banking App. If you do not have Bank of Quincy s Internet Banking, you will need to proceed through the enrollment process for the HOMEBANK Mobile App. Refer to the Technology section of this booklet for details on downloading and deleting apps from your phone. Web page The Bank of Quincy webpage will begin redirecting customers to the HOMEBANK site as of Monday, November 2 nd. Debit Cards Bank of Quincy debit cards will be functional thoughout and after the merger process. Your Bank of Quincy Debit Card will function until the time HOMEBANK re-issues new cards. ATMs All Bank of Quincy HOMEBANK ATMs will be completely functional during the entire conversion process. See the enclosed map for all locations.

7 Important Account Information Consumer Debit Card Bank of Quincy debit cards will be functional throughout and after the merger process until HOMEBANK reissues new cards. If you would like a HOMEBANK debit card, visit our 12 th and Broadway location after Nov. 2 nd to request a new card. Checks Bank of Quincy checks will be honored after the merger, so you may use your existing inventory of personal checks before ordering new HOMEBANK checks. Credit Card Bank of Quincy credit cards will be replaced with a HOMEBANK logo card upon expiration. Business Debit Card Bank of Quincy Business debit cards will be functional throughout and after the merger process until HOMEBANK reissues new cards. If you would like a HOMEBANK Business debit card, visit our 12 th and Broadway location after Nov. 2 nd to request a new card. Checks/Deposit tickets Bank of Quincy Business checks and deposit tickets will be honored after the merger, so you may use your existing inventory of checks before ordering new checks. Credit Card - Bank of Quincy Business credit cards will be replaced with a HOMEBANK logo card upon expiration. Cash Mgmt/Remote Deposit you will receive a personal visit from a member of our Business Banking Team prior to the merger to review your account and the ways it may be impacted. The Business Banking Team will also be available with assistance troubleshooting any issues. Night Deposit Bags all business customers will receive replacement deposit bags free of charge to reflect the name change. Deposit Stamps business customers with existing deposit stamps will receive a new stamp at no charge.

8 Our Locations 1132 Broadway Quincy, Illinois 305 N 48th Street Quincy, Illinois Our New Locations 400 S Main Palmyra, Missouri 3817 McMasters Ave. Hannibal, Missouri 8480 Highway West Quincy, Missouri 1399 E Highway 22 Centralia, Missouri

9 Frequently Asked Questions Why are Bank of Quincy and HOMEBANK merging? Since there is already common ownership the combining of the resources of both our banks will have tremendous overall benefits for our institution and our customers. This merger will allow us to continue to be competitive with our products and services and keep up with technology and regulation. How will this affect me? Except in rare occasions, Bank of Quincy customer s account numbers will remain the same, but some might have to change due to duplication. If you are a Bank of Quincy customer your routing number will change. Your existing Bank of Quincy routing number will continue to be recognized for an extended period of time. The exciting thing for all our customers is you will now be able to bank at more locations! You will now have 6 convenient locations for all your banking needs MO - Palmyra, Hannibal, West Quincy, Centralia. IL 2 locations in Quincy. What is the effective date? The official merger date is October 31 st but the conversion process will begin on October 30 th at 5pm. This booklet will be your resource for all the details you will need to move through the merger process seamlessly. By 8am on Monday, November 2 nd the conversion process will be complete and you will be able to bank just as you have been used to. I have Direct Deposit, will I have to do anything to change that? No, your direct deposit will continue to be deposited into your account as before. Will my Bank of Quincy checks and debit cards continue to be functional? For your convenience your Bank of Quincy checks and debit cards will function as normal after the merger. Refer to the Important Account Information Page of this packet for additional details. I have scheduled transfers from one account to another set up in the system, will I have to set those up again? No, all existing scheduled and recurring transfers will function as normal. Will my account type, terms and fees change? You may see different account type and terms on the website after the merger but your account(s) will be grandfathered and terms and conditions will continue as before the merger. Will I be able to access my Internet Banking and Bill Pay the same way? During the conversion weekend you will be able to see your accounts in Internet Banking as view only. Bill Pay will be unavailable from 5pm on October 30 th to 8am on November 2 nd. Refer to the General Information Section of this packet for additional details. What happens to my Bank of Quincy Mobile App? At 5pm on October 30 th, the Bank of Quincy Mobile App will no longer be functional. You will delete that app and download the HOMEBANK Mobile Banking App on November 2 nd. See the Important Technology Information Section of this packet for instructions on how to download and delete apps on your phone. Will my Internet/Business Banking platforms remain the same? Internet/Business Banking platforms will look very similar to what you are used to. You will log into to access your Internet Banking. Can I still make my loan payments here? Absolutely and you will now have 6 locations where you may conveniently make payments and banking transactions. Where will I call if I have questions about my loan? You will still contact us here and we can answer any questions you might have regarding your loan. And of course, you can contact the loan officer you have a relationship with as well. What will happen to the loan I have? There will be no change at all to your loan. You will still work with the loan officer you are familiar with and will be able to make payments and ask questions in the manner you are accustomed to. What happens to my IRA/CD/Safe deposit box/hsa/deposit accounts with the merger? Terms and conditions will remain the same. Refer to the Common Features section of this packet for more details. Will my FDIC insurance coverage change due to the merger? When Bank of Quincy and HOMEBANK merge, deposits from Bank of Quincy will be separately insured from the deposits of HOMEBANK for at least six months after the merger. This grace period gives a depositor the opportunity to restructure his or her accounts, if necessary. CDs from each institution are separately insured until the earliest maturity date after the end of the six-month grace period. CDs that mature during the six-month period and are renewed for the same term and in the same dollar amount (either with or without accrued interest) continue to be separately insured until the first maturity date after the six-month period. If a CD matures during the six-month grace period and is renewed on any other basis, it would be separately insured only until the end of the six-month grace period.

10 Common Features Effective November 2, 2015 SCHEDULE OF FEES The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account. Foreign ATM transaction /inquiry fee... $2.00 each (Additional fees may be charged at ATMs not owned and operated by HOMEBANK. Fees will be disclosed at the ATM before completing a transaction.) Coin counting fee (non-customers)... 5% Check printing... varies by style Cashier s checks or Money Orders... $5.00 Deposited checks (and other items) returned unpaid... $3.00 Garnishments, Levies, Executions... $50.00 Replacement Debit Card... $10.00 Expedited Debit Card Order... $50.00 Copy of imaged check... $2.00 each Bank certification and notary (customers only)... $2.00 each Gift Card sale... $4.00 each statement... Free Instant imaged statement... $5.00 each Account research... $20.00 per hour, $10.00 minimum Account balancing assistance... $20.00 per hour, $10.00 minimum Stop Payment... $20.00 Account closed within 90 days of opening... $5.00 Christmas Club account closed early... Penalty of 10% on current balance with a minimum of $25.00 Photocopies each Indemnity Bond... $10.00 Automated Loan Payment Convenience Fee... $10.00 Sweep Transfer Fee... $10.00 Wire transfers Outgoing Incoming... $10.00 International Wires In & Out... $50.00 Foreign Currency (customers only) Ordering <$5, $35.00 Ordering >$5, $10 plus 3 rd Party Fee Redeeming... $15.00 Foreign Checks sent for Collection (customers only)... $35.00 Fax service Outgoing or Incoming... $2.00 per page Locking Night Deposit bag... $25.00 annually Internet Banking reactivation fee... $3.00 Paid Item Fee... $30.00(max. of $150.00/day per consumer account) Return Item Fee... $30.00(max. of $150.00/day per consumer account) AOD Paid Item Fee... $30.00(max. of $150.00/day per consumer account) UCF AOD Paid Item Fee (Uncollected Funds Fees)... $30.00(max. of $150.00/day per consumer account) UCF Paid Item Fee (Uncollected Funds Fees)... $30.00(max. of $150.00/day per consumer account) UCF Return Item Fee (Uncollected Funds Fees)... $30.00(max. of $150.00/day per consumer account) Order of Items Clearing are: ATM/POS Visa Transactions, ACH s, and then by check number (lowest to highest) Safe Deposit Boxes See your local branch for size availability and pricing Replacement key for Safe Deposit box... $25.00 Drill fee for 2 lost keys on Safe Deposit box... based on current market price Rent Annual Late Fee... $10.00 IRA transfer fee... $10.00 Non-Customer Check cashing fee... 2% of the check with a minimum of $10.00 Credit Card Advance (not available at all branches)... Free Hour Access Telephone Free Bill Pay Options: Consumer SimplePay: 20 bills free per month, additional bills $0.55 each. A $5 monthly inactivity fee will be assessed after two consecutive months of inactivity. Business SecurePay: $25.00 for 20 bills per month, additional bills $0.55 each. The Bank reserves the right to change fees with 30 days written notice to the consumer.

11 Common Features Overdraft Products: Allowable Overdrafts: To qualify: -account must be open for 30 days with no overdrafts or non-sufficient funds transactions -$500 in aggregated deposits -be a consumer account -account holder must not be in default on any loan obligation to HOMEBANK -the account is not subject to any legal or administrative order or levy Payment of overdrafts up to $ will normally be considered. Rather than automatically returning unpaid any insufficient funds items that you may have, we will consider, without obligation on our part, payment of your reasonable overdraft. Consumers are expected to promptly return the account to a positive balance. We will charge our normal non-sufficient funds or overdraft charge, as set forth in our fee schedules, for each item that would create an overdraft on your account. We will not charge for ATM withdrawals or POS (Point of Sale) transactions or VISA check card debits unless you have granted us permission by opting in. Your opt-in choice may be revoked by you at any time. If you choose not to opt in and your account is overdrawn more than two times in one month by ATM or POS transactions, we reserve the right to cancel your debit card. Safeline Overdraft Protection: This is a credit qualified service Advances in $ increments and up to $1, The rate is to be determined at the time of application. Payments are calculated at 10% of balance. A minimum payment of $25.00 per month, with the payment automatically deducted from your checking account. Annual fee of $10.00 and a $5.00 transaction fee per use, also to be deducted from your checking account automatically. To qualify for this product, contact the loan department. Automatic Transfer from Savings: Available for transfer from savings or checking accounts to checking accounts. Limit to 6 transfers per month Transfers in $ increments. $5.00 transfer fee automatically deducted from the checking account, associated with related account(s). Eligible accounts include: consumer and sole-proprietorships Rainy Day Savings: Available on any checking account with Visa Debit Card Rounds debit card transaction up to nearest dollar and deposits change to any savings account.

12 400 S Main Palmyra, MO PRESORTED STANDARD U.S. POSTAGE PAID Mailed from Zip Code Permit 11 Bank and ATM Locations 6 EWING 1132 Broadway Quincy, IL 8480 Highway West Quincy, MO 6 PALMYRA QUINCY N 48th Street Quincy, IL PERRY S Main Palmyra, MO SHELBINA MONROE CITY HANNIBAL BARRY 3817 McMasters Ave Hannibal, MO PITTSFIELD MADISON PARIS E Highway Centralia, MO FARBER CENTRALIA ELSBERRY Need to talk to us? Contact Information