Welcome PRODUCT GUIDE CUSTOMERS OF VALLEY BANK IMPORTANT ACCOUNT INFORMATION FOR

Size: px
Start display at page:

Download "Welcome PRODUCT GUIDE CUSTOMERS OF VALLEY BANK IMPORTANT ACCOUNT INFORMATION FOR"

Transcription

1 Welcome PRODUCT GUIDE IMPORTANT ACCOUNT INFORMATION FOR CUSTOMERS OF VALLEY BANK

2 Welcome to Heritage Bank Corporate Office 201 5th Avenue SW Olympia, WA Valley Bank is now part of Heritage Bank. Our goal is to provide you with greater convenience and access to more products and services. As we unite, your Valley Bank accounts will become Heritage Bank accounts. The transition will take place automatically. Your account(s) will be converted to the Heritage Bank account(s) which most closely match your Valley Bank account(s). If you would prefer a different account, please let us know so we can meet your specific needs. This product guide will help you become familiar with Heritage Bank accounts and services. It provides details about your accounts, how to access them and what new services are available. The enclosed Disclosure Statement is effective November 9, We are pleased to welcome you to Heritage Bank and look forward to providing you with the highest level of personal service. IMPORTANT NOTE Effective Monday, November 11, 2013, we will be consolidating the Valley Bank offices below. Please continue to conduct banking as usual until 4 pm on Friday November 8, If you have a Safe Deposit Box, we will be moving your box during the consolidation. You will receive notification 30 days prior to the move with detailed information on the process and who to contact if you would like to be present. The Graham office located at th Street E, Graham, WA will be consolidated with the existing Heritage branch located at 4627 S Meridian, Puyallup, WA, The Sunrise Village office located at th Street E, Suite 106, Puyallup, WA will be consolidated into the existing Heritage branch located at 4627 S Meridian, Puyallup, WA The Summit office located at Canyon Road, Puyallup, WA will be consolidated into the existing Valley Bank branch located at Canyon Road, Puyallup, WA The Kent office located at 124 4th Avenue, Kent, WA will be consolidated with the Heritage branch located at 415 W James Street, Kent, WA

3 Table of Contents Important Dates Friday November 8, 2013 Final date to use Valley Bank s Online Banking and Bill Pay services Final statement cut date for your Valley Bank account(s) Saturday November 9, 2013 Conversion to Heritage Bank account(s) Sunday November 10, 2013 Final date to use your Valley Bank Debit Card Monday November 11, 2013 Begin using Heritage Bank s Online Banking and Bill Pay services Begin using your new Heritage Bank VISA Debit Card General Information About our Company...2 Your Accounts at a Glance...3 Answers to Commonly Asked Questions... 4, 5, 6 Customer Service Center Team...24 Our Heritage... inside back cover Locations...back cover Personal Product Offerings Personal Checking...15 Personal Online and Mobile Banking...16 VISA Debit Card...17 Save Up...17 Access Line...17 Personal Loans...18 Business Product Offerings Business Checking...19 Business and Cash Management Services...20 Team Account Package...21 Business Lending...21 Additional Services Health Savings Account...22 Overdraft Plus...22 Wealth Management...23 Securities, insurance products and advisory services offered through Cetera Investment Services LLC, member FINRA/SIPC. Investments are: Not FDIC/ NCUSIF insured May lose value Not financial institution guaranteed Not a deposit Not insured by any federal government agency. Cetera is not affiliated with Heritage Bank. Trust Services...23 Investment products are not obligations of, guaranteed by any bank including Heritage Bank or any Heritage Bank affiliate, nor are they insured by the Federal Deposit Insurance Corporation, the Federal Reserve, or any other agency. An investment in such products involves investment risk, including possible loss of principal. Specific Account Information Online Banking and Bill Pay Conversion...7, 8 Checking Conversion...8 Personal Checking... 9, 10 Personal Savings...10 Business Checking... 11, 12 Business Savings...12 Individual Retirement Accounts (IRAs)...13 Certificates of Deposits (CDs)... 13, 14 Questions: please contact your Customer Service Representative or call

4 About Our Company Strength in Community Banking On behalf of Heritage Bank, we welcome you to our banking family. As a Heritage Bank customer, you ll benefit from more than 85 years of experience in the financial services industry, our commitment to exceptional service and our reputation of strength and stability. We re excited about serving our new communities and building a rewarding, long-term relationship with you. Jeff Deuel, President and COO Heritage Bank has been creating financial solutions for the needs of our neighbors since We are known as the quality bank because our staff works together as a team, focused on building lasting relationships to help customers reach their financial goals. We are dedicated to exceeding customers expectations. At Heritage Bank, you ll receive the personal attention you deserve. Your Success is Our Vision. Heritage Bank, a subsidiary of Heritage Financial Corporation, serves the Pacific Northwest with branches in Western Washington, Yakima and Kittitas Counties in Eastern Washington and the greater Portland, Oregon area. As a full-service community bank, we offer a complete array of business and personal banking tools: checking; savings; commercial, home and construction loans; merchant services; remote deposit and online financial management tools through our website. All products and services are designed with our customers and their financial goals in mind. Heritage Bank supports the economic development of our area by reinvesting deposits locally. We have worked effectively for more than 85 years to build a company with strong liquidity, capital and credit quality. We are a true community bank, seeking deposits from our communities and making loans to customers who have local ties to our markets. We also focus on the importance of giving back to the communities we serve. With a combination of contributions and staff volunteer efforts, the Bank supports philanthropic activities that strengthen the core of our communities. Our Vision We are an Innovative Team providing Financial Services where Your Success is Our Vision Our Mission We are Committed to Continuously Improving: Customer Satisfaction Employee Empowerment Shareholder Value Customer Satisfaction Statement Building Successful Relationships by Exceeding Your Expectations 2 Questions: please contact your Customer Service Representative or call

5 Your Accounts at a Glance Personal Checking & Savings New Account: Page Enhanced Checking Enhanced Checking 9 Free / Student / FHL Checking Free Checking 9 Minimum Balance Checking Free Checking 9 NOW Checking Interest Checking 9 Celebration 50 Checking Celebration 50 Checking 9 Premier Checking 50+ Interest Checking 10 Personal Savings Statement Savings 10 Celebration 50 Savings Statement Savings 10 Enhanced Savings Statement Savings 10 Holiday Club Savings Holiday Club Savings 10 Smart Choice Money Market Savings Money Market Advantage 10 Money Market Savings Money Market Advantage 10 Business Checking & Savings New Account: Page Business Value Checking Business Value Checking 11 Economy Business Checking Small Business Checking 11 Super Business NOW Checking Business Interest Checking 11 Regular Business NOW Checking Business Interest Checking 11 Standard Commercial Checking Business Analysis Checking 11 esweep Sweep Account 12 IOLTA / IRETA IOLTA / IRETA 12 Standard Comm l Checking Public Funds Public Analysis Checking 12 Smart Choice Business Money Market Business Money Market 12 Business Money Market Savings Business Money Market 12 Business Savings Business Incentive Savings 12 Certificates of Deposit (CDs) & IRAs New Account: Page 12 Month Expandable IRA Savings 12 Month IRA CD Month 5 Year IRA CD 12 Month 5 Year IRA CD Month CD 3 9 Month Flex Term CD Month 5 Year CD 12 Month 5 Year Fixed Rate CD Month Bump N Jump CD 15 Month Fixed Rate CD 13 Jumbo CD Term less than 1 Year Day Jumbo CD 14 Jumbo CD Term greater than 1 Year Month Jumbo CD 14 Questions: please contact your Customer Service Representative or call

6 Answers to Commonly Asked Questions The following commonly asked questions are designed to provide you with important account information regarding the upcoming conversion. Please see pages 9 14 for detailed account information. If you have additional questions simply give us a call or stop by, we are here to assist you. What does this mean for you as a customer? Your accounts are safe, secure and fully accessible. Your deposits will continue to be FDIC-insured, currently up to $250,000 per depositor. The account system conversion is scheduled for the weekend of November 9, You will have access to an expanded line of products and services as well as an extended branch network. Question: I have accounts at both Valley Bank and Heritage Bank, how does this affect my FDIC insurance coverage? Will there be any changes to my account? What if I see another account I would prefer over the account automatically selected for me? Will my account numbers stay the same? Will my direct deposits, automatic payments, savings-linked overdraft protection and other automatic services continue? Can I use my existing checks? Answer: If you have deposits at both banks, your deposits at Valley Bank are separately insured from deposits at Heritage Bank for at least six months after the acquisition. The acquisition was effective July 15, This grace period gives you the opportunity to restructure your accounts, if necessary. CDs from Valley Bank 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 sixmonth grace period and is renewed on any other basis, it would be separately insured only until the end of the six-month grace period. Yes, your account(s) will we converted to the updated bank account(s) which most closely match your current Valley Bank accounts. See pages 9 14 of this guide for detailed information. We are happy to help you select the right account to meet your needs. For assistance, simply give us a call or stop by, we are here to assist you. Yes, your account numbers will stay the same unless previously notified. Yes, all automatic payments will continue without interruption. As of November 11, 2013, any new direct deposits, ACH transactions or other electronic transactions you establish should reflect Heritage Bank s routing (ABA) number of along with your account number. Yes, continue to use your current supply of Valley Bank checks as well as deposit and withdrawal slips. Your existing checks, deposit and withdrawal slips will continue to work after the conversion to Heritage Bank. 4 Questions: please contact your Customer Service Representative or call

7 Answers to Commonly Asked Questions Question: Will I receive a new debit card? Will my Online Banking and Bill Pay be converted? When will I receive account statements? Will I be able to access my account via the TeleBanc system? Answer: Yes, you will receive your new Heritage Bank VISA Debit Card the week of October 21, Your new Personal Identification Number (PIN) will arrive approximately 4 days following your card. As an option, you are able to select your own PIN number at any of our branches. Please contact us if you do not receive your card. For personal cards, Heritage Bank has a cash withdrawal limit of $500 per day. Point of Sale transactions are limited to $1,500 per day. VISA Debit Card limits are subject to available account balances. Business VISA Debit Cards will be issued with existing limits in place. If you have any bills being paid automatically via your debit card, you must notify the company of your new debit card number and expiration date. Important dates regarding your debit card: Continue to use your current Valley Bank Debit Card through November 10, Begin using your new Heritage Bank VISA Debit Card on Monday, November 11, Yes, all users of Valley Bank s Online Banking and Bill Pay service will be converted to Heritage Bank s Online Banking and Bill Pay service during the conversion. Important details are included in the Online Banking and Bill Pay section of this guide on pages 7 8. On Monday, November 11, 2013 you may access Online Banking from Heritage Bank s homepage,. Your final statement from Valley Bank will cut at close of business on November 8, After conversion, your regular statement cycle date will resume. The Heritage Access Line will replace the TeleBanc 24 Hour telephone banking system. To utilize the Heritage Access Line, dial (888) Have your Account Number and the Social Security Number registered to your account ready to use as your Access Code. For security reasons, you will be required to change your Access Code to another four-digit number of your choice. The voice prompt will guide you in setting up your new Access Code. Questions: please contact your Customer Service Representative or call

8 Answers to Commonly Asked Questions Question: I received a letter stating my branch is closing; what do I need to do? Will there be any change in my Safe Deposit Box? Will my escan Remote Deposit Service be converted? What will happen with my loan accounts? Answer: We are consolidating four Valley Bank branches into existing Heritage Bank branches. There is no action required on your part. The deposits and safe deposit boxes will be relocated to the branches listed below: The Graham office located at th Street E, Graham, WA will be consolidated with the existing Heritage Bank branch located at 4627 S Meridian, Puyallup, WA, The Sunrise Village office located at th Street E, Suite 106, Puyallup, WA will be consolidated with the existing Heritage Bank branch located at 4627 S Meridian, Puyallup, WA The Summit office located at Canyon Road, Puyallup, WA will be consolidated with the existing Valley Bank branch located at Canyon Road, Puyallup, WA The Kent office located at 124 4th Avenue, Kent, WA will be consolidated with the Heritage Bank branch located at 415 W James Street, Kent, WA Your billing cycle and method of payment will remain the same. On your anniversary date, the current Safe Deposit Box fee schedule will apply. Important note for Safe Deposit Box customers at the consolidated branches: Your Safe Deposit Box will be relocated; you will receive a separate mailing with complete details. Heritage Bank s remote deposit service will replace your current escan service. Our Business Services Team will contact you with details on the conversion. If there are any changes made to your existing loan(s), you will receive a separate mailing with detailed information. 6 Questions: please contact your Customer Service Representative or call

9 PO Box 9188 Tacoma, Washington Please Watch Your Mail! You will receive important information regarding the Online Banking conversion. The letter will include specific instructions to maintain access. Personal Online Banking Specific Account Information Online Banking and Bill Pay If you currently utilize Online Banking with Valley Bank, you will automatically be transfered to Heritage Bank s Online Banking service during conversion. If you currently use Bill Pay, all of your established payees will remain available through the Heritage Bank Online Banking system. You may see a minor change to the company name when they transfer over. Business Online Banking Business Cash Manager Online PO Box 9188 Tacoma, Washington RETURN SERVICE REQUESTED RETURN SERVICE REQUESTED Important Information about Heritage@Home Important Information about BUSINESS CASH MANAGER ONLINE Important dates affecting online banking access The Online Banking system will be down for conversion beginning Friday, November 8, 2013 at 1:00 pm PST. On Monday, November 11, 2013, you may begin accessing your account through the Heritage Bank Online Banking system at. The last date to view and schedule payments from your existing Bill Pay account is 1:00 pm PST on Friday, November 8, Bill Pay will not be accessible from 1:00 pm PST on Friday, November 8, 2013 until Monday, November 11, Any payments you previously scheduled to occur during this period will be processed as usual. Pending and/or recurring bill payments will automatically transfer to Heritage Bank s Bill Pay service. Enhanced Security Upon your first login to Heritage@Home, after providing your username and password, you will be asked to provide a phone number for a phone you have with you. We will immediately send an access code via text and/or automated voice message that you will enter into your computer to complete your login. This is known as multifactor authentication which makes it difficult for phishers and attackers to access your accounts. You can opt to have your computer remembered, so you don t need to repeat this step each time you log in. However, you must obtain a new access code for each computer or mobile device you use to log in that is not remembered on the system. Frequently Asked Questions: Will I see my full transaction history in my new online banking? Yes, the Heritage Bank Online Banking system provides six months of transaction history. Your online history will restart on November 11, Transaction history prior to November 8, 2013 will not be available. You will receive a special cut-off account statement of all transactions through this date. Will I be able to view images of my checks online? Yes, you will be able to view images beginning on November 11, Images of checks that cleared your account prior to November 8, 2013 will not be available for viewing. Will my Bill Pay change? Yes, the Bill Pay system will change; however, all of your established payees will remain available. You may see a minor change to the company names when they transfer over. Bill Pay is a free service. Will my online automatic transfers between personal accounts continue? You will need to re-establish your transfers through Heritage Bank s Online Banking services on November 11, Questions: please contact your Customer Service Representative or call

10 Specific Account Information Online Banking Conversion Checklist o Download and save online history you want to keep. Online history prior to November 8, 2013 will not be available after conversion. o Print copies of checks you want to keep. Images of checks that have cleared prior to November 8, 2013 will not be available. You will receive a cut-off statement off all transactions through this date. o Change your bookmark for Online Banking to prior to November 9, o Business online customers should view the Demo of Business Online Banking, Business Cash Manager Online from our home page at. o Watch your mail for your Online Banking conversion letter. Call our Customer Service Center at (800) if you have any questions regarding the Online Banking conversion. See page 16 for complete product details on Personal Online Banking Heritage@Home and page 20 for complete product details on Business Online Banking Business Cash Manager Online. Checking Conversion Information Important Information About the Conversion of Your Account: For detailed information about your checking account at Heritage Bank, please see charts on pages 9 12 and the enclosed Disclosure Statement. Continue to use your current Valley Bank checks. You should continue to use your current supply of checks, deposit and withdrawal slips until they run out. There is no need to order new checks at this time. When you reorder, your new checks will carry the Heritage Bank logo and your current account number. You will receive a new debit card. If you now use a debit card to access your Valley Bank accounts, you will be mailed a new Heritage Bank VISA Debit Card as a replacement the week of October 21, You will receive a new Personal Identification Number (PIN) approximately 4 days after your new card. Your new card will access your same accounts. You will not be able to use your Valley Bank Debit Card after November 10, Please begin using your Heritage Bank card starting November 11, Heritage Bank has a cash withdrawal limit of $500 per day. Point of sale transactions are limited to $1,500 per day. VISA Debit Card limits are subject to available account balances. Direct Deposit of payroll and other income will continue without interruption. Automatic payments will continue to be withdrawn from your accounts as they were originally created. Current interest rates can be found in the enclosed Disclosure Statement or online. Check imaging provides you with an easy way to reconcile, research and store your canceled checks. If you currently receive the images of your canceled checks with your statement, you will receive the images of your canceled checks with your Heritage Bank statement. As of November 11, 2013, any new direct deposits, ACH transactions or other electronic transactions you establish should reflect Heritage Bank s routing (ABA) number of along with your account number. 8 Questions: please contact your Customer Service Representative or call

11 Specific Account Information Personal Checking Enhanced Checking New Enhanced Checking Free / Student / FHL Checking Minimum Balance Checking Free Checking NOW Checking Interest Checking Celebration 50 Checking Celebration 50 Checking Account features: No minimum balance required $6.95 monthly fee Free Online Banking, Bill Pay, FinanceWorks, Mobile & Text Banking Free Online Statements with check images VISA Debit Card with ATM access Free Bank Checks Free Checks (two boxes per year) Benefits Package ATM charges: no fee at Heritage Bank ATMs, all others $2 Account features: No minimum balance required No monthly fee Free Online Banking, Bill Pay, FinanceWorks, Mobile & Text Banking Free Online Statements with check images VISA Debit Card with ATM access ATM charges: no fee at Heritage Bank ATMs, all others $2 Account features: $300 minimum balance required to avoid monthly fee $6 monthly fee if the balance falls below minimum Interest earned on balances of $300 or more Interest compounded daily and paid monthly Free Online Banking, Bill Pay, FinanceWorks, Mobile & Text Banking Free Online Statements with check images VISA Debit Card with ATM access ATM charges: no fee at Heritage Bank ATMs, all others $2 Account features: $100 minimum balance required to avoid monthly fee $3.95 monthly fee if the balance falls below minimum Interest earned on all balances Interest compounded daily and paid monthly Free Online Banking, Bill Pay, FinanceWorks, Mobile & Text Banking Free Online Statements with check images VISA Debit Card with ATM access Three Free Bank Checks per month Free Checks (two boxes per year) Complimentary 3 x 5 Safe Deposit Box ATM charges: no fee at Heritage Bank ATMs, all others $2 Questions: please contact your Customer Service Representative or call

12 Specific Account Information Personal Checking & Savings Premier Checking New 50+ Interest Checking Personal Savings Celebration 50 Savings Enhanced Savings Statement Savings Holiday Club Savings Holiday Club Savings Smart Choice Money Market Savings Money Market Savings Money Market Advantage Account features: No minimum balance required No monthly fee Interest earned on balances of $500 or more Interest compounded daily and paid monthly Free Online Banking, Bill Pay, FinanceWorks, Mobile & Text Banking Free Online Statements with check images VISA Debit Card with ATM access Free Bank Checks Free Checks (two boxes per year) ATM charges: no Heritage Bank transaction fees Account features: $300 minimum balance required to avoid monthly fee* $3 monthly fee if the balance falls below minimum* Interest earned on all balances Interest compounded daily and paid monthly ATM card available Quarterly statement *Monthly fee and minimum balance waived for minors, Celebration 50 and Enhanced Savings Account features: $10 minimum balance required to open and maintain Interest earned on all balances Interest compounded daily and paid monthly If a withdrawal is made before Club maturity account may be closed Auto transfer from checking/savings required The balance of your Holiday Club savings (less $10 minimum balance) will be deposited to your auto transfer account on October 31st of each year Account features: $1,000 minimum balance required to avoid monthly fee $10 monthly fee if the balance falls below minimum Interest earned on all balances at increasing tiered rates Interest compounded daily and paid monthly Up to six preauthorized withdrawals allowed per statement cycle, including checks Unlimited in-branch and ATM withdrawals 10 Questions: please contact your Customer Service Representative or call

13 Specific Account Information Business Checking & Savings Account Features: Business Value Checking $2,500 minimum balance required to avoid monthly fee $8 monthly fee if the balance falls below minimum First 200 Transactions free; $0.25 each after 200 Checks paid First 100 free, $0.25 each after 100 Deposit fee First 20 free, $0.15 each after 20 Business Value Checking Deposited item fee First 100 items free, $0.15 each after 100 $0.05 per rolled coin purchase / $0.05 per $100 currency purchase Monthly statement with check images Online Banking with Business Cash Manager Online available Account Features: Economy Business Checking No minimum balance required / No monthly fee Checks paid First 100 free, $0.25 each after 100 Deposit fee First 20 free, $0.15 each after 20 Deposited item fee First 100 items free, $0.15 each after 100 $0.05 per rolled coin purchase / $0.05 per $100 currency purchase Small Business Checking Monthly statement with check images Online Banking with Business Cash Manager Online available Account Features: Super Business NOW Checking No minimum balance required / Monthly fee of $8 Regular Business NOW Checking Interest earned on balances of $2,500 or more Interest compounded daily and paid monthly $0.12 per check paid / $0.20 per deposit / $0.06 per deposited item Business Interest Checking $0.05 per rolled coin purchase / $0.05 per $100 currency purchase Monthly statement with check images Online Banking with Business Cash Manager Online available Account Features: Standard Commercial Checking No minimum balance required / Monthly fee of $9 $0.12 per check paid / $0.20 per deposit / $0.06 per deposited item $0.70 per $1,000 currency deposited fee $0.05 per rolled coin purchase / $0.05 per $100 currency purchase Earnings credit based on average collected balance Business Analysis Checking Uncollected funds usage rate: Prime plus 3%, adjusted monthly Monthly statement with check images Online Banking with Business Cash Manager Online available Full suite of Cash Management services available Questions: please contact your Customer Service Representative or call

14 Specific Account Information Business Checking & Savings Account Features: esweep No minimum balance required / Monthly fee of $15 Sweep Account Interest earned on all balances at increasing tiered rates Interest compounded daily and paid monthly IOLTA / IRETA IOLTA / IRETA Standard Commercial Checking - Public Funds Public Analysis Checking Smart Choice Business Money Market Business Money Market Savings Business Money Market Business Savings Business Incentive Savings Account Features: No minimum balance required / No monthly fee Interest earned on all balances Interest compounded daily and paid monthly Monthly statement with check images Online Banking with Business Cash Manager Online available Account Features: No minimum balance required / Monthly fee of $9 $0.12 per check paid / $0.20 per deposit / $0.06 per deposited item $0.70 per $1,000 currency deposited fee $0.05 per rolled coin purchase / $0.05 per $100 currency purchase Earnings credit based on average collected balance Uncollected funds usage rate: Prime plus 3%, adjusted monthly Monthly statement with check images Online Banking with Business Cash Manager Online available Full suite of Cash Management services available Account Features: $1,000 minimum balance required to avoid monthly fee $10 monthly fee if the balance falls below minimum Interest earned on all balances at increasing tiered rates Interest compounded daily and paid monthly Up to six preauthorized withdrawals allowed per statement cycle, including checks Unlimited in-branch and ATM withdrawals Account Features: $500 minimum balance required to avoid monthly fee $5 monthly fee if the balance falls below minimum Interest earned on all balances at increasing tiered rates Interest compounded daily and paid monthly 12 Questions: please contact your Customer Service Representative or call

15 Specific Account Information Individual Retirement Accounts Your IRA CD will continue with the same interest rate and maturity date. The grace period for maturing IRAs is ten calendar days. If your IRA is in distribution, your distribution payments will retain the same schedule you have now. 12 Month Expandable IRA Savings 12 Month 5 Year IRA CD 12 Month 5 Year IRA CD Account Features: $100 minimum balance Interest compounded daily and paid quarterly Additions allowed, minimum of $25 Annual statement Your IRA CD will renew to the same term at the fixed interest rate in effect on the maturity date Early withdrawal penalty of 180 days simple interest whether earned or not Certificates of Deposit Your CDs will continue with the same interest rate and maturity date. The grace period for maturing CDs is ten calendar days. Interest payments will occur on the same schedule and in the same manner you receive today. Account Features: 3 9 Month CD $2,500 minimum balance Interest compounded daily and paid quarterly Additions allowed, $500 or more up to the opening balance amount 3 9 Month Flex-Term CD Your CD will renew to the same term at the fixed interest rate in effect on the maturity date Early withdrawal penalty of 90 days simple interest whether earned or not 12 Month 5 Year CD 15 Month Bump N Jump CD* 12 Month 5 year Fixed Rate CD Account Features: $2,500 minimum balance Interest compounded daily and paid quarterly Additions not allowed Your CD will renew to the same term at the fixed interest rate in effect on the maturity date Early withdrawal penalty of 180 days simple interest whether earned or not *The bump N Jump CD allows additions of $1,000 or more up to the opening deposit amount and features a one-time rate bump Questions: please contact your Customer Service Representative or call

16 Specific Account Information Jumbo Certificates of Deposit Your Jumbo CDs will continue with the same interest rate and maturity date. Interest payments will occur on the same schedule and in the same manner you receive today. Jumbo CDs do not auto renew. Account Features: Jumbo CD $100,000 minimum balance Terms less than 1 Year Simple Interest paid at maturity Additions not allowed Day Jumbo CD Jumbo CD s do not auto renew and stop earning interest at maturity Early withdrawal penalty of 90 days simple interest whether earned or not Jumbo CD Terms greater than 1 Year Month Jumbo CD Account Features: $100,000 minimum balance Simple Interest paid annually and at maturity Additions not allowed Jumbo CD s do not auto renew and stop earning interest at maturity Early withdrawal penalty of 180 days simple interest whether earned or not 14 Questions: please contact your Customer Service Representative or call

17 Product Offerings Personal Checking Account Features Free All Access Interest 50+ Interest Premier Premier Checking is the perfect choice if you re looking to benefit from higher interest earnings while keeping your money available. 50+ Interest Checking offers a little extra to our customers who are 50 years old or better. Interest Checking is the perfect account for those who tend to keep a higher balance in their account and enjoy the benefit of earning interest. The All Access Checking package gives you the convenience and flexibility to quickly and easily access your funds 24/7. Free Checking is our basic checking account full of value and convenience. Choose the checking account which fits your lifestyle Minimum balance to open $100 $100 $100 $100 $100 $50,000 in combined personal deposit accounts $300 No minimum balance required No minimum balance required No minimum balance required Minimum daily collected balance to avoid monthly fee Yes, tiered rates, $300+ Yes, $500+ Yes, tiered rates, $300+ Interest earned on collected balances $25 if combined balance falls below $50,000 minimum $6 if balance falls below $300 minimum Monthly Fee $0 Write up to five checks per month, $0.50 per check after five Questions: please contact your Customer Service Representative or call Free checks No No No Yes (two boxes per year) Yes No transaction fees No transaction fees, reimbursement of foreign ATM service charges No transaction fees No fee at Heritage Bank; All others $2 ATM transaction fees No fee at Heritage Bank; All others $2 Free Premier specialty checks or $5 off other styles, Free bank checks, Free VISA TravelMoney Cards, Combined statements with all linked relationship accounts, Premier tiered interest rates Free Heritage Bank checks or $5 off other styles, Free bank checks Additional features Free overdraft protection transfers from linked savings account, Dime-A-Time Rewards,* All Access Savings plan, Online Banking and Online Statements required, *Earn $0.10 for every credit transaction (non-pin based) using your VISA Debit Card Additional account options: Free Online Banking, Bill Pay, FinanceWorks, Mobile & Text Banking Mobile Remote Deposit Online Statement & combined statement options VISA Debit Card with optional Save Up Automatic savings programs Overdraft protection options using a loan or deposit account Overdraft Plus up to assigned limits Check images returned $3/month Direct deposit 15

18 Product Offerings Personal Services Personal Online Banking with Free Online Banking is a great way to save time and manage your finances more efficiently in a secure environment. Control finances at your convenience 24 hours a day, seven days a week. Online Banking advantages: Access checking, savings, CDs or loan accounts to easily track your balances and verify transactions Verify loan payment amounts and due dates Create custom reports showing a variety of information and history Transfer funds between accounts View and print transaction history Online Statements and check images Bill Pay and E-Bills Enhance your Heritage@Home experience with free Bill Pay and E-Bills Receive, view, manage and pay bills all in one convenient site Schedule automatic recurring payment rules for each payee Use multiple checking accounts to pay bills Create custom or download report templates Set up alerts for bill arrivals, due dates and much more FinanceWorks TM powered by Quicken View your complete financial picture, all in one place. Add accounts from more than 19,000 financial institutions and creditors to see your complete financial picture within Heritage@Home. Use tools to help you set spending and savings goals, track expenses and see it all in simple language with easy to use charts and graphs. Personal Mobile, Mobile App and SMS Text Banking Heritage Mobile is a cell phone-based service which allows you to view recent transaction history, review check status, transfer funds, locate ATMs/Heritage branches and pay bills. Download our free app for iphone or Android or go to on your mobile phone. Heritage Text allows secure access to account information, including balances and recent transactions, from the convenience of your mobile phone. Not only is Heritage Text fast and free,* it s secure. We never send confidential information such as User IDs, passwords or complete account numbers via Heritage Text. *There is no charge from Heritage Bank; message and data rates may apply from your wireless carrier. Mobile Remote Deposit Mobile Remote Deposit allows you to instantly deposit checks anywhere using your smartphone camera and our Mobile App saving you time and giving you faster access to your money. Tap. Snap. Deposit. 16 Questions: please contact your Customer Service Representative or call

19 Product Offerings Personal Services VISA Debit Card A convenient alternative to carrying cash or checks and can be used anywhere VISA is accepted. Take advantage of Save Up, our automatic savings program. Heritage Access Line 24 Hour Phone Banking This easy-to-use service puts account information at your fingertips 24 hours a day with a simple phone call from the comfort of your home or office. Once you ve connected with Heritage Access Line, the voice prompt will guide you through your call, step-by-step. With Heritage Access Line, you can verify account information, deposit and loan account balances, deposits made and checks cleared; transfer funds between checking and savings accounts; make loan payments and place a stop-payment on a check. Save Up Save Up is an automatic savings program available for checking customers with both a debit card and savings account. When an eligible debit card purchase is made, Save Up will round up the transaction to the nearest whole dollar and automatically transfer the excess amount to a designated savings account. It s an easy way to save. Using the Heritage Access Line Toll free (888) ABC 2 TUV 8 Account Information Select account from list Transfer Funds Select account from list* More Choices 1 ABC 2 DEF 3 Lost or Stolen Card Activate New Card Change PIN *Transfer Authorization required for availability of transfer option. Questions: please contact your Customer Service Representative or call

20 Product Offerings Personal Loans We offer a wide array of financing options to meet your individual goals and will help you select the best product to fit your needs. Our loans feature competitive rates, flexible terms and an easy application process. Installment Loans Auto, Boat and RV Loans Get up and go with a loan for a new or used auto, boat or RV. We can pre-qualify you for a loan to give you more negotiating power with the dealer. Property Loans for Land If you re looking to purchase a developed piece of property, we offer loans to help you buy now. Once you re ready to build, we can help you with construction financing as well. Deposit Secured Loan A CD secured loan is a cost-effective way to obtain the cash you need to meet your financial needs. You can borrow against your CD for just about any purpose. And you can count on competitive rates along with flexible repayment options designed to make your life easier. Visa Credit Cards We are pleased to offer personal credit card services through our partner, TIB. We offer a variety of credit card plans with a wide range of features and benefits. Cards are available in two options, Low Rate Card or Preferred Points Card. Classic Reserve Line Classic Reserve Line is a line of credit linked to your personal checking account for automatic overdraft protection. If checks, ATM transactions, and/or Debit Card transactions exceed the balance in your account, funds are automatically advanced in $100 increments. Home Equity Loans PrimeLine Select Home Equity Line of Credit PrimeLine Select is a home equity line of credit and fixed rate term loan all in one. It is an easy and flexible way to borrow against your home equity as you need it. PrimeLine Select gives you the freedom to fix a portion (or all) of your outstanding balance at a competitive fixed interest rate. Available funds are easily accessed and you only pay interest on the money you use. If you have been dreaming of a remodel, a new car, boat or any other major purchase, now is the time to take advantage of PrimeLine Select. Home Loans Helping our neighbors achieve the American dream of homeownership is a tradition for us. We have a mortgage loan program which is right for you, whether you are building, buying or refinancing: Fixed Rate Mortgages A fixed rate mortgage offers the security of the same interest rate for the life of your loan. Refinance Whether you are looking at refinancing your mortgage to lower your monthly payment, switch to a fixed rate or get cash out to finance a major project, we can help. Custom Construction Loan One-step financing combines both construction and permanent mortgage in the same loan package. Interest-only payments are required on the construction funds disbursed during the building phase. When your home is completed, your mortgage is already in place. 18 Questions: please contact your Customer Service Representative or call

21 Product Offerings Business Checking Account Features Small Business Non-Profit Interest Business Analysis Business Interest Choose the checking account which Fits Your Business... This low activity account is perfect for small businesses and community organizations. An interest bearing account designed especially for our non-profit customers. For businesses with high activity, this account offers an earnings credit to offset transaction fees. An interest bearing account for businesses with a higher average balance and moderate activity. Minimum balance to open $100 $100 $100 $100 Minimum daily collected balance to avoid maintenance fee Minimum daily collected balance needed to earn interest No minimum balance required No minimum balance required Interest earned on all balances Compounded daily & paid monthly No minimum balance required No minimum balance required $2,500 Compounded daily & paid monthly Monthly maintenance fee No monthly fee No monthly fee $9 $8 Checks paid (each) First 100 free, $0.25 each after 100 Deposit fee (each) First 20 free, $0.15 each after 20 Deposited item fee (each) First 100 items free, $0.15 each after 100 Currency Deposited fee (per $1,000) Rolled coin purchase (each) Currency purchase (per $100) Uncollected funds usage rate First 100 free, $0.25 each after 100 First 20 free, $0.15 each after 20 First 100 items free, $0.15 each after 100 $0.12 $0.12 $0.20 $0.20 $0.06 $0.06 $0.70 $0.05 $0.05 $0.05 $0.05 $0.05 $0.05 $0.05 $0.05 Prime + 3% Earnings credit Variable rate based on average collected balance Additional account options Basic Business Cash Manager Online discounted; free with $10,000 average balance Free Basic Business Cash Manager Online Online Banking with Business Cash Manager Online, full suite of Cash Management services available Online Banking with Business Cash Manager Online Questions: please contact your Customer Service Representative or call

22 Product Offerings Business and Cash Management Services We build our relationships around an understanding of your business goals and objectives. We are committed to providing quality financial tools and superior service. As a full service community bank, we offer a complete array of products and services to help businesses maximize cash flow and add efficiency to their operations. Business Cash Manager Online (BCMO) BCMO is the perfect tool to streamline operations and improve cash flow. BCMO provides online, real time account management giving greater control and more access to account information. Businesses are able to manage finances 24 hours a day, 7 days a week from any remote location. The administration platform of the product allows for multiple end-users, each with different security access to BCMO. Business Cash Manager Online uses advanced Internet security algorithms to guard the privacy of your company s information and transactions. Wire transfers and ACH transactions are originated using the additional security of a Verisign ID token. BCMO advantages: Review complete account and loan information online 24/7 Originate direct transfers (ACH) Make tax payments Move funds between accounts Initiate wire transfers Pay bills more efficiently using the E-Bills feature View and print monthly account statement Detect check fraud with Positive Pay feature Business Deposit Manager (BDM) BDM is an innovative business tool that brings the bank to your location to streamline the check deposit process and improve cash flow. BDM provides the ability to scan and submit check deposits from your business office. BDM Advantages: Make deposits until 7:00 pm, M F Speed up the availability of funds and increase working cash Add efficiency and eliminate the cost and liability of regular trips to the bank Reduce the risk of fraud Merchant Services We offer a complete Merchant Services program which is able to support the majority of card processing software programs. Your business can be set up to accept all major credit cards as well as debit cards and our account pricing structure is tailored to meet your individual business needs. In addition, we now offer PayEverywhere Mobile, a simple, flexible and secure way to accept all major credit cards through an iphone, ipad, Android or Blackberry device. Merchant advantages: Competitive pricing Online reporting Complimentary supplies 24/7 customer support Gift Card Program available Sweep Account Earn higher rates on your everyday cash with a Sweep Account. The Sweep works along with your Analysis Checking account. A pre-determined minimum balance is set for your checking account. This minimum balance is generally set high enough to provide an adequate earnings credit to cover account service charges. Funds above this minimum balance are swept daily into a money market account, where they earn competitive rates. You may also sweep excess funds to pay down a business line of credit, decreasing the amount of interest owed. Sweep repurchase agreements are also available. Business Visa Debit Card Our Business Visa Debit Card provides for a convenient way to access your business checking account to pay for supplies, client meals, travel expenses and more without writing a check. The Debit Card allows you to track expenditures more efficiently with detailed monthly statements, monitor transactions in real time with Online Banking, issue employee cards with the protection of the Visa Liability Waiver Program and earn points towards rewards when registered in the Visa Extras Program. 20 Questions: please contact your Customer Service Representative or call

23 Product Offerings Team Account Package With your Heritage Bank business relationship, you can now reward your employees with our Team Account, a money-saving package of banking services free to your employees and free to you. Team Benefits: All Access Checking account featuring Dime-A-Time* rewards, Online Banking with convenient Online Statements and no minimum balance requirement All Access Savings account featuring no fees, no minimum balance requirement and free automatic transfers to checking No ATM transaction fees and reimbursement of up to six foreign ATM surcharges per month Free Online Banking & Bill Pay Bonus rate bump on a new CD account $5 discount on your Safe Deposit Box rental fee $4 fee waived for VISA Gift Cards Signing up to offer the Team Account is easy; we have a simple agreement to complete and we can provide your business with complimentary customized posters, flyers, paycheck stuffers and more. * Dime-A-Time rewards: Earn $0.10 for every credit transaction (signature, non-pin based) using your All Access Checking VISA Debit Card. Online Banking and Online Statements required. Business Lending We offer a full range of credit tools to assist in meeting cash flow and business growth needs. We understand the entrepreneurial spirit and custom-build our loans for each individual business and are committed to providing you with responsive personalized service. Business Term Loans Finance new equipment and vehicles for your business or refinance existing debt. Expand your business with an injection of cash on a term basis. Business Lines of Credit Flexible financing allowing you to repay and reuse your line of credit as needed. This option is specifically designed for businesses to take advantage of investment opportunities. Commercial Real Estate Lending We offer innovative solutions to finance both owner occupied and non-owner occupied properties. Agribusiness Lending We can provide flexible solutions specific to agriculture and aquaculture industries. Term lending, lines of credit, USDA, FarmerMac and FSA loans are all available. SBA Lending We specialize in meeting the unique borrowing needs of small businesses. Because of our association with the Small Business Administration, we have professional business bankers who provide hands on assistance and expertise which will allow you to take full advantage of the SBA program. Construction Lending We have experts dedicated to commercial construction lending. We are able to provide assistance in selecting the best financing options for your project. Business Visa Credit Cards Heritage Bank offers business credit card services through our partner, TIB. Our credit cards are available in two options, Standard Card with no annual fee or the Preferred Points Card. Questions: please contact your Customer Service Representative or call

24 Product Offerings Health Savings Account A Health Savings Account (HSA) is a form of consumer directed health coverage pairing a qualified High Deductible Health Plan (HDHP) with a tax-free savings account. HSAs are designed to reduce healthcare insurance costs for both employers and employees. The high deductible insurance policy provides protection against major medical expenses and the HSA is used to pay for day-to-day medical expenses. HSAs enable individuals to pay for qualified medical expenses on a tax-favored basis. Contributions are tax-deductible and eligible withdrawals are tax-free. Individuals control the money in their HSA. Decisions on how to spend the money are made by the individual without relying on a third party or a health insurer. Funds not spent can carry forward to future years and can be used penalty-free after age 65 for any purpose seen fit. There is a one-time setup fee of $25 and interest is earned on all balances. You may write a check or use your HSA debit card to pay for qualified medical expenses. Advantages of HSAs: Affordable Healthcare: Pay less for an HDHP, use the premium savings to fund the HSA. Tax Savings: Pre-tax contributions, tax-free interest earnings and tax-free withdrawals when used for qualified medical expenses. Control: Individuals have more control over their healthcare decisions. They decide whether to save the money, use it for medical expenses or which expenses to pay from the account. Flexibility: HSA money can be used for a wide range of healthcare related expenses not typically covered by other healthcare accounts, such as purchasing long term care insurance. Ownership: HSA funds are a cash asset. Your HSA is a lifetime account that is not tied to any one health plan or employer. Overdraft Plus Overdraft Plus is a valuable service which can protect your checking account from overdrafts up to a pre-determined amount. The overdraft limit is based on account plan, see below. It is available on occasions when your account is accidentally overdrawn and is only activated if there are insufficient funds available from all other arranged accounts. Overdraft fees will apply. Your best protection against overdrafts is to keep accurate records and maintain sufficient funds in your account. If you would like to establish this coverage, visit us online or at your local branch for complete information on Overdraft Plus as well as additional options for overdraft protection. Personal Account Name Overdraft Plus Business Account Name Overdraft Plus Free...$500 Small Business... $1,000 All Access...$500 Non-Profit Interest... $1,000 Interest...$500 Business Interest... $1, Interest...$500 Premier...$ Questions: please contact your Customer Service Representative or call

PRODUCT GUIDE. Welcome IMPORTANT ACCOUNT INFORMATION FOR PIERCE COMMERCIAL BANK CUSTOMERS

PRODUCT GUIDE. Welcome IMPORTANT ACCOUNT INFORMATION FOR PIERCE COMMERCIAL BANK CUSTOMERS PRODUCT GUIDE Welcome IMPORTANT ACCOUNT INFORMATION FOR PIERCE COMMERCIAL BANK CUSTOMERS Heritage Bank Main Office 201 5th Avenue SW Olympia, WA 98501 Welcome to Heritage Bank Pierce Commercial Bank is

More information

Customer Guide. Details about your. Whidbey Island Bank account

Customer Guide. Details about your. Whidbey Island Bank account Customer Guide Details about your Whidbey Island Bank account Welcome to Heritage Bank Our Family of Banks Important Account information On May 1, 2014 Whidbey Island Bank merged with Heritage Bank, a

More information

Welcome. Details you must know regarding your Bank of Sacramento personal accounts are enclosed.

Welcome. Details you must know regarding your Bank of Sacramento personal accounts are enclosed. Welcome Details you must know regarding your Bank of Sacramento personal accounts are enclosed. It is very important you are aware of upcoming deadlines and ramifications of the conversion to Banner Bank.

More information

Welcome to Bank of the Cascades! New Customers from Bank of America Account & Services Guide

Welcome to Bank of the Cascades! New Customers from Bank of America Account & Services Guide Welcome to Bank of the Cascades! New Customers from Bank of America Account & Services Guide Welcome to Bank of the Cascades Things to Know About Us We re excited to welcome you to Bank of the Cascades!

More information

Putting You First. A guide to your new accounts and services

Putting You First. A guide to your new accounts and services Putting You First A guide to your new accounts and services FirstMerit is committed to putting you first. For more than 165 years, we ve delivered solutions that help our customers finance homes, pay for

More information

Welcome. Important information about the transfer of your personal bank account from Siuslaw to Banner Bank

Welcome. Important information about the transfer of your personal bank account from Siuslaw to Banner Bank Welcome Important information about the transfer of your personal bank account from Siuslaw to Banner Bank Siuslaw Bank becomes Banner Bank on March 6, 2015 In this booklet, you ll find important information

More information

Welcome. Information you must know about your AmericanWest Bank business accounts is enclosed.

Welcome. Information you must know about your AmericanWest Bank business accounts is enclosed. Welcome Information you must know about your AmericanWest Bank business accounts is enclosed. It is very important that you are aware of the details regarding the upcoming conversion to Banner Bank. Dear

More information

Conversion at a Glance. Important Dates and Information. Legend

Conversion at a Glance. Important Dates and Information. Legend Conversion at a Glance Midland States Bank will be converting Heartland Bank accounts over the April 17 weekend. After the close of business on Friday, April 17, your accounts held at Heartland Bank will

More information

C O N V E R S I O N G U I D E

C O N V E R S I O N G U I D E CONVERSION GUIDE The Independent Way The Independent Bank charter was founded in 93 by a group of businessmen who wanted to form a local bank to serve the needs of their community. Independent Bank pledges

More information

Putting You and Your Business First

Putting You and Your Business First Putting You and Your Business First A guide to your new business accounts and services FirstMerit puts you and your business first. FirstMerit can make a true difference when it comes to helping you build

More information

Important Account Information

Important Account Information Important Account Information Account Information and Conversion Detail Guide for River Valley Financial Bank Clients Transitioning to German American Bank. This account information guide will help you

More information

Frequently Asked Questions

Frequently Asked Questions Why are Eastside Commercial Bank NA and First Sound Bank merging? On January 16, 2015, it was jointly announced that First Sound Bank and Eastside Commercial Bank NA. signed a definitive agreement to merge.

More information

Important Information About Systems Conversion

Important Information About Systems Conversion Important Information About Systems Conversion The conversion from American Bank systems will occur over the weekend of April 22-24, 2016. Please read the following important information and instructions.

More information

Hello. Welcome to MainSource Bank.

Hello. Welcome to MainSource Bank. Hello. Welcome to MainSource Bank. Welcome to a great bank. We re MainSource Bank. We re strong. We re stable. And most importantly, we re absolutely committed to being the kind of bank our customers want

More information

CMA Affinity Program Offers

CMA Affinity Program Offers CMA Affinity Program Offers Union Bank is proud to partner with the California Medical Association to serve the unique financial needs of your practice, your staff, and yourself. We approach our customer

More information

Products and Services

Products and Services Products and Services Enjoy Life s Journey 401.233.4700 navigantcu.org Federally insured by the National Credit Union Administration. Products and Services Navigant Credit Union provides you with the products

More information

Everything you need to know as New Century Bank & Select Bank Merge

Everything you need to know as New Century Bank & Select Bank Merge Merger Handbook Everything you need to know as New Century Bank & Select Bank Merge Table of Contents CUSTOMER LETTER... 3 KEY ITEMS TO NOTE....................................... 4 KEY DATES..............................................

More information

Welcome. Important information about the transfer of your business bank account from Siuslaw to Banner Bank

Welcome. Important information about the transfer of your business bank account from Siuslaw to Banner Bank Welcome Important information about the transfer of your business bank account from Siuslaw to Banner Bank Siuslaw Bank becomes Banner Bank on March 6, 2015 In this booklet, you ll find important information

More information

Welcome. Information you must know about your AmericanWest Bank personal accounts is enclosed.

Welcome. Information you must know about your AmericanWest Bank personal accounts is enclosed. Welcome Information you must know about your AmericanWest Bank personal accounts is enclosed. It is very important that you are aware of the details regarding the upcoming conversion to Banner Bank. Dear

More information

WELCOME TO COMMUNITY BANKS OF COLORADO

WELCOME TO COMMUNITY BANKS OF COLORADO WELCOME TO COMMUNITY BANKS OF COLORADO A guide for the conversion of Pine River Valley Bank and Miners & Merchants Bank and how it affects your business accounts. 1 CONTENT Introduction... 1 What s the

More information

Welcome. Details you must know regarding your Bank of Sacramento business accounts are enclosed.

Welcome. Details you must know regarding your Bank of Sacramento business accounts are enclosed. Welcome Details you must know regarding your Bank of Sacramento business accounts are enclosed. It is very important you are aware of upcoming deadlines and ramifications of the conversion to Banner Bank.

More information

welcome NORTH AKRON SAVINGS BANK CUSTOMERS

welcome NORTH AKRON SAVINGS BANK CUSTOMERS welcome NORTH AKRON SAVINGS BANK CUSTOMERS welcome TO PEOPLES BANK! Remember why you chose a community bank? Chances are you wanted to have your financial services institution know you, know your particular

More information

Welcome to the Northwest family.

Welcome to the Northwest family. Welcome to the Northwest family. Everything you need to know about the conversion of your Lorain National Bank accounts. Downtown Hudson, Ohio Together, we re better. We look forward to many great days

More information

Deposit Accounts. Deposit Accounts

Deposit Accounts. Deposit Accounts Deposit Accounts Deposit Accounts Heritage Valley s local banking team provides personal service that takes the stress out of day-to-day finances. We are committed to providing an effortless banking experience

More information

Welcome to Broward HealthCare Federal Credit Union

Welcome to Broward HealthCare Federal Credit Union Welcome to Broward HealthCare Federal Credit Union what is a credit union? Credit Unions are member-owned cooperatives; in fact, that s why savings in a credit union are technically called shares. Unlike

More information

Business Account Conversion Charts

Business Account Conversion Charts Business Account Conversion Charts 23 SIMPLE BUSINESS CHECKING $9 monthly maintenance fee 9 Relationship Rewards 2 If your balance does not fall below $400 and you choose three additional relationship

More information

SAME GREAT BANK. SHINY NEW SYSTEM. A guide for our new system upgrade on October 12, 2015, and how it affects your accounts at Bank Midwest.

SAME GREAT BANK. SHINY NEW SYSTEM. A guide for our new system upgrade on October 12, 2015, and how it affects your accounts at Bank Midwest. SAME GREAT BANK. SHINY NEW SYSTEM. A guide for our new system upgrade on October 12, 2015, and how it affects your accounts at Bank Midwest. 1 CONTENT Introduction... 1 What s the point of this?... 2 A

More information

Business Account Fee and Information Schedule. What you need to know about your account

Business Account Fee and Information Schedule. What you need to know about your account Account Fee and Information Schedule What you need to know about your account Effective April 29, 2016 Table of contents Introduction............................................... 1 Banking services

More information

Your New Accounts Overview

Your New Accounts Overview Your New Accounts Overview Important information for Bank of America customers Account conversion date: October 20, 2014 Debit & ATM card conversion date: October 17, 2014 Additional details are in this

More information

Welcome FIRST BANK KANSAS. Your Bank around the corner. Salina Ellsworth McPherson Abilene Lindsborg Hutchinson

Welcome FIRST BANK KANSAS. Your Bank around the corner. Salina Ellsworth McPherson Abilene Lindsborg Hutchinson Welcome FIRST BANK KANSAS Your Bank around the corner Salina Ellsworth McPherson Abilene Lindsborg Hutchinson Kent Buer President Ryan Peschka Chief Financial Officer Curt Glaser Executive Vice President

More information

Questions and Answers

Questions and Answers Questions and Answers General When will the conversion to Columbia Bank accounts and services occur? The conversion is scheduled for the weekend of August 23, 2013. However, the changes to your accounts

More information

Personal and Business Checking and Savings Solutions

Personal and Business Checking and Savings Solutions 2015 Bank of Texas, a division of BOKF, NA. Member FDIC. Equal Housing Lender. TX CN 4000 Rev. 3/15 Personal and Business Checking and Savings Solutions Call our 24-Hour ExpressBank TABLE OF CONTENTS Personal

More information

2014 Bank of Oklahoma, a division of BOKF, NA. Member FDIC. Equal Housing Lender.

2014 Bank of Oklahoma, a division of BOKF, NA. Member FDIC. Equal Housing Lender. 2014 Bank of Oklahoma, a division of BOKF, NA. Member FDIC. Equal Housing Lender. OK CN 4000 Rev. 11/14 Personal and Business Checking and Savings Solutions TABLE OF CONTENTS Personal Checking 02 Personal

More information

A guide to your new accounts and services.

A guide to your new accounts and services. A guide to your new accounts and services. 2 Table of Contents 4 Welcome 6 The Big Picture 8 The Details 12 Personal Checking 14 Personal Savings, Money Market, CDs and IRAs 18 Business Banking Opportunities

More information

Welcome to M&T Bank. How to get the most from your business accounts

Welcome to M&T Bank. How to get the most from your business accounts Welcome to M&T ank How to get the most from your business accounts 84519_usiness_r2.indd 1 12/9/15 2:27 PM 2 Table of Contents Table of Contents On November 1, 2015, Hudson City Savings ank ( HCS ) merged

More information

elcome to Webster Personal Banking. For Your Convenience Our Customer Care Center is open 7 am - 10 pm, 7 days a week.

elcome to Webster Personal Banking. For Your Convenience Our Customer Care Center is open 7 am - 10 pm, 7 days a week. For Your Convenience Our Customer Care Center is open 7 am - 0 pm, 7 days a week. Call -888-4WEBSTER (-888-493-2783) We also have over 65 branches and almost 500 ATMs so that you can bank on your schedule.

More information

Welcome to. Banking in your best interest. A HELPFUL GUIDE FOR GCF BANK CUSTOMERS

Welcome to. Banking in your best interest. A HELPFUL GUIDE FOR GCF BANK CUSTOMERS Welcome to Banking in your best interest. A HELPFUL GUIDE FOR GCF BANK CUSTOMERS Welcome to Investors Bank! We re So Pleased to Welcome Our GCF Bank Customers into the Investors Bank Family! As a loyal

More information

PERSONAL BANKING PRICING SCHEDULE EFFECTIVE MAY 2, 2016

PERSONAL BANKING PRICING SCHEDULE EFFECTIVE MAY 2, 2016 PERSONAL BANKING PRICING SCHEDULE EFFECTIVE MAY 2, 2016 A division of ZB, N.A. WE MAKE IT WORTH YOUR WHILE TO BANK WITH US. For more information or current rates, feel free to stop by any of our banking

More information

How To Convert To M&T Bank At Wilmington Trust

How To Convert To M&T Bank At Wilmington Trust Welcome to M&T Bank HOW TO GET THE MOST FROM YOUR COMMERCIAL, BUSINESS AND PROFESSIONAL ACCOUNTS 2 Welcome to M&T Table of contents For your convenience, we ve designed this guide to make it fast and easy

More information

Conversion Guidebook

Conversion Guidebook Conversion Guidebook Important information about changes to account terms and services for customers of Valley National Bank Table of Contents Welcome to Century Bank 1 Deposit Accounts 2 Personal Checking

More information

Conversion Guidebook IMPORTANT INFORMATION REGARDING CHANGES TO YOUR ACCOUNTS TERMS AND SERVICES FOR CUSTOMERS OF 1ST BANK

Conversion Guidebook IMPORTANT INFORMATION REGARDING CHANGES TO YOUR ACCOUNTS TERMS AND SERVICES FOR CUSTOMERS OF 1ST BANK Conversion Guidebook IMPORTANT INFORMATION REGARDING CHANGES TO YOUR ACCOUNTS TERMS AND SERVICES FOR CUSTOMERS OF 1ST BANK TABLE OF CONTENTS Table of Contents... 2 Welcome Letter... 3 Deposit Accounts...

More information

Rewards Banking. The more you bank, the more benefits you receive. Earn higher rates on select products. Take advantage of account services

Rewards Banking. The more you bank, the more benefits you receive. Earn higher rates on select products. Take advantage of account services Rewards Banking The more you bank, the more benefits you receive. Earn higher rates on select products Take advantage of account services Save with special discounts Get money back on select fees All Rabobank

More information

SMALL BUSINESS BANKING

SMALL BUSINESS BANKING SMALL BUSINESS BANKING for your business GET MORE FROM YOUR BANKING RELATIONSHIP We understand that there are no two businesses alike. In fact, in today s competitive environment, business owners have

More information

Transition Guide to your new personal U.S. banking accounts

Transition Guide to your new personal U.S. banking accounts Transition Guide to your new personal U.S. banking accounts Enhanced features and options. Everything you need to know. The launch of our new U.S. banking operation is fast approaching, pending regulatory

More information

We are committed to making this transition simple and straightforward for you.

We are committed to making this transition simple and straightforward for you. September 6, 2011 We are delighted to welcome you to First Financial Bank. During the weekend of September 23, 2011,* select deposit and consumer loan accounts opened at the Liberty Savings Bank financial

More information

Frequently Asked Questions

Frequently Asked Questions Frequently Asked Questions I noticed there was a $10 membership fee on the fee schedule. Will I need to pay the $10 to continue my membership? Since you are already a member, you are not required to pay

More information

Your Guide to First National Bank Products and Services

Your Guide to First National Bank Products and Services A Partnership of two great Pennsylvania banks. Your Guide to First National Bank Products and Services I n s t r u c t i o n s We invite you to look through our Welcome Guide and discover the world of

More information

Webster Opportunity Checking. $16.95 (or $11.95 with Direct Deposit 2 )

Webster Opportunity Checking. $16.95 (or $11.95 with Direct Deposit 2 ) Fee Schedule for Consumer Accounts A Guide to Your Account At, we re committed to helping you find the right account to meet your needs. We ve prepared the following Account Guide to make sure you understand

More information

Welcome Guide. Providence Bank. Countryside Customers. for State Bank of

Welcome Guide. Providence Bank. Countryside Customers. for State Bank of Providence Bank Welcome Guide for State Bank of Countryside Customers IL South Holland Elmhurst Frankfort Orland Park Wheaton IN Dyer Munster Schererville We are excited to be your community bank. 42261

More information

ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE PERSONAL CHECK and/or ATM CARD

ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE PERSONAL CHECK and/or ATM CARD ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE PERSONAL CHECK and/or ATM CARD This agreement and disclosure applies to payment orders and funds transfers governed by the Electronic Fund Transfer Act.

More information

Welcome to M&T. We look forward to serving you.

Welcome to M&T. We look forward to serving you. Welcome to M&T. We look forward to serving you. A guide to your personal accounts. 2 Table of Contents Customer Highlights 3 7 A brief summary of what you can expect as a result of the transition to M&T

More information

ACCOUNT DISCLOSURES & FEE SCHEDULE PERSONAL BANKING

ACCOUNT DISCLOSURES & FEE SCHEDULE PERSONAL BANKING ACCOUNT DISCLOSURES & FEE SCHEDULE PERSONAL BANKING Information about Our Consumer Deposit Accounts/Disclosure on Account Terms This disclosure describes many important features and terms of our consumer

More information

Providing products and services as unique as the clients we serve

Providing products and services as unique as the clients we serve Welcome to First NATIONAL Bank Providing products and services as unique as the clients we serve Your guide to key conversion dates and comprehensive financial solutions. GROWING STRONGER TO SERVE YOU

More information

Welcome to M&T Bank HOW TO GET THE MOST FROM YOUR PERSONAL ACCOUNTS

Welcome to M&T Bank HOW TO GET THE MOST FROM YOUR PERSONAL ACCOUNTS Welcome to M&T Bank HOW TO GET THE MOST FROM YOUR PERSONAL ACCOUNTS 2 Welcome to M&T Table of contents For your convenience, we ve designed this guide to make it fast and easy for you to find the information

More information

SERVICES w w w. c o v e n a n t b a n k. c o m

SERVICES w w w. c o v e n a n t b a n k. c o m SERVICES w w w. c o v e n a n t b a n k. c o m Mission To improve the quality of life for our citizens, businesses, shareholders, and the community through distinctive banking and financial services. Vision

More information

WELCOME TO THE FIRST COMMONWEALTH BANK COMMUNITY MEMBER FDIC

WELCOME TO THE FIRST COMMONWEALTH BANK COMMUNITY MEMBER FDIC WELCOME TO THE FIRST COMMONWEALTH BANK COMMUNITY MEMBER FDIC WELCOME FIRST COMMUNITY BANK CUSTOMERS TABLE OF CONTENTS How to Use this Guide... 3 Customer Assistance... 3 Important Dates to Know... 4 New

More information

U.S. Bank Checking Account Update

U.S. Bank Checking Account Update U.S. Bank Checking Account Update U.S. Bank checking account customers in Idaho, Kansas, Missouri and Nevada may experience an account update on the dates noted below. Updated account features many of

More information

Personal Checking & Savings Options

Personal Checking & Savings Options Personal Checking & Savings Options Smart solutions for individuals and families Many Flexible Options to Fit Any Lifestyle. Checking Account Comparison Find the right checking account for you by using

More information

CUSTOMER GUIDE WELCOME ARTHUR STATE BANK CUSTOMERS. Trust. Integrity. Since 1922. NMLS #463813

CUSTOMER GUIDE WELCOME ARTHUR STATE BANK CUSTOMERS. Trust. Integrity. Since 1922. NMLS #463813 CUSTOMER GUIDE WELCOME ARTHUR STATE BANK CUSTOMERS Trust. Integrity. Since 1922. NMLS #463813 Table of Contents Transition Overview... 2 Service Interruptions over the Transition Weekend... 2 Debit Cards....2

More information

www.ccbsite.com BUSINESS SOLUTIONS

www.ccbsite.com BUSINESS SOLUTIONS www.ccbsite.com BUSINESS SOLUTIONS MISSION CCB is a locally owned and operated community bank dedicated to providing superior customer service and creating outstanding value for our shareholders and communities.

More information

CONVERSION GUIDE. independent-bank.com

CONVERSION GUIDE. independent-bank.com CONVERSION GUIDE independent-bank.com The Independent Way Independent Bank s origins extend back to 93 when it first formed a local bank to serve the needs of its community. Independent Bank pledges to

More information

Deposit Account Services and Prices Schedule

Deposit Account Services and Prices Schedule Deposit Account Services and Prices Schedule Illinois, Indiana, Michigan, Wisconsin Effective August 3, 2015 Truth-in-Savings Disclosures Electronic Funds Transfer Act Disclosures TABLE OF CONTENTS SERVICES

More information

Consumer Pricing Information

Consumer Pricing Information Consumer Pricing Information Checking Package Options Minimum Opening Deposit Requirement to Waive ACCOUNT INFMATION 1. U.S. Bank Packages Prior to August 12, 2013: To maintain Package benefits, a Silver,

More information

FREQUENTLY ASKED QUESTIONS

FREQUENTLY ASKED QUESTIONS Park Community Credit Union & Louisville Medical Federal Credit Union Merger FREQUENTLY ASKED QUESTIONS These pages contain answers to frequently asked questions, links to important websites and general

More information

Member FDIC. Checking Account Guide

Member FDIC. Checking Account Guide Member FDIC Checking Account Guide Table of Contents o Introduction. 3 o Checking Account Management.. 4 o Documents. o Check Register o Checks o Debit Card o o o Making a Purchase 4 Writing a Check..5

More information

TRUTH IN SAVINGS DISCLOSURE

TRUTH IN SAVINGS DISCLOSURE TRUTH IN SAVINGS DISCLOSURE Effective 2-15-2016 TABLE OF CONTENTS TERMS AND CONDITIONS TRUTH IN SAVINGS DISCLOSURE...... 2 BALANCE COMPUTATION METHODS. 2 DAILY BALANCE METHOD. 2 AVERAGE DAILY BALANCE METHOD.

More information

Consumer & Business Pricing Addendum

Consumer & Business Pricing Addendum Consumer & Business Pricing Addendum This addendum contains important product and pricing information. Please retain for your records. Effective June 29, 2012 1, 2, 3, 4 Overdraft Item Paid $15.00 or less

More information

C O N V E R S I O N G U I D E

C O N V E R S I O N G U I D E CONVERSION GUIDE The Independent Way Independent Bank s origins extend back to 93 when it first formed a local bank to serve the needs of its community. Independent Bank pledges to deliver unparalleled

More information

Key Transition Dates for Eastern HomeConnect. Frequently Asked Questions about Eastern HomeConnect

Key Transition Dates for Eastern HomeConnect. Frequently Asked Questions about Eastern HomeConnect Key Transition Dates for Eastern HomeConnect For your convenience, highlighted below are important dates regarding the transition of The Community Bank online banking to Eastern Bank. November 29 at 5:00

More information

TABLE OF CONTENTS: Holiday, Vacation & Club Accounts... 10. Account Conversion... 2. Identity Theft Recovery Plan... 10. Account Number...

TABLE OF CONTENTS: Holiday, Vacation & Club Accounts... 10. Account Conversion... 2. Identity Theft Recovery Plan... 10. Account Number... TABLE OF CONTENTS: Account Conversion... 2 Account Number... 2 Account Ownership/Share... 2 ACH Payments/Payroll... 2 ATM Cards... 2 ATMs/ATM Locator... 2 Bill Pay Online... 3 Branches... 3 Certificate

More information

DEPOSIT ACCOUNT AGREEMENT

DEPOSIT ACCOUNT AGREEMENT DEPOSIT ACCOUNT AGREEMENT All America Bank P.O. Box 300 Mustang, OK 73064 November 17, 2015 This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer.

More information

Personal Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule

Personal Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule Personal Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule (Effective August 20, 2015) REGIONS CHECKING With any Regions checking account, you get extra services to make banking

More information

Welcome. Popular Community Bank Transition to Banc of California. (Contains newly updated information)

Welcome. Popular Community Bank Transition to Banc of California. (Contains newly updated information) Welcome Popular Community Bank Transition to Banc of California (Contains newly updated information) Transition Weekend: November 7-10, 2014 Your transition to Banc of California. This booklet and enclosed

More information

Welcome Back to Community Banking. Macon-Atlanta State Bank Transition Toolkit

Welcome Back to Community Banking. Macon-Atlanta State Bank Transition Toolkit Welcome Back to Community Banking Macon-Atlanta State Bank Transition Toolkit 1 Welcome Letter from President/CEO James R. Neill 3 About Us 4 Key Transition Dates 5 Deposit Accounts 6-7 Statements Account

More information

Follow the 5 easy steps in the Citizens Community Federal N.A. Switch Kit and start banking simply!

Follow the 5 easy steps in the Citizens Community Federal N.A. Switch Kit and start banking simply! Why make life complicated? We at Citizens Community Federal N.A. believe that some things can and should remain simple. We pride ourselves on offering our customers convenience, superior service and The

More information

We re thrilled to share some exciting news! On May 8, 2015, Integrity Bank will become a division of S&T Bank.

We re thrilled to share some exciting news! On May 8, 2015, Integrity Bank will become a division of S&T Bank. Welcome Guide We re thrilled to share some exciting news! On May 8, 2015, Integrity Bank will become a division of S&T Bank. As an Integrity Bank customer you are accustomed to More, Faster, Better banking,

More information

Online banking user guide

Online banking user guide Welcome Peoples Federal Savings Bank customers Online banking user guide IMPORTANT INFORMATION about your online banking account. Important information Your online banking accounts with Peoples Federal

More information

Service, value, and convenience for your business

Service, value, and convenience for your business Service, value, and convenience for your business Alaska USA for your business. It makes great business sense! To learn more about Business Checking Visit any branch Go to alaskausa.org Call (800) 525-9094

More information

Personal Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule

Personal Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule Personal Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule (Effective November 6, 2015) REGIONS CHECKING With any Regions checking account, you get extra services to make banking

More information

Business Checking & Savings Options

Business Checking & Savings Options Business Checking & Savings Options Solutions for businesses of all sizes and types Smart, Tailored Solutions Select the business banking package, stand-alone checking, or savings account that best fits

More information

Personal Services. Product and Pricing Guide. Effective March 23, 2015

Personal Services. Product and Pricing Guide. Effective March 23, 2015 Personal Services Product and Pricing Guide Effective March, 05 Please note: The pricing in this guide applies only to BB&T accounts converting from Citibank branches in Texas. For pricing of new accounts,

More information

Welcome to Columbia State Bank

Welcome to Columbia State Bank Welcome to Columbia State Bank This guide contains important information regarding the conversion of your accounts. You ll notice the difference. Here to stay. Here to stay involved. Columbia State Bank

More information

Sincerely, John C. Witherspoon President and CEO

Sincerely, John C. Witherspoon President and CEO Welcome to Welcome to the Skowhegan Savings Bank family! As you may have already heard, Skowhegan Savings has reached an agreement to purchase the following 5 Franklin County branches from Camden National

More information

TIAA-CREF Brokerage Services. Invest with TIAA-CREF Brokerage Services. Simplicity, Flexibility and Choice

TIAA-CREF Brokerage Services. Invest with TIAA-CREF Brokerage Services. Simplicity, Flexibility and Choice TIAA-CREF Brokerage Services Invest with TIAA-CREF Brokerage Services Simplicity, Flexibility and Choice TIAA-CREF: Dedicated to the long-term financial well-being of the people we serve TIAA-CREF is dedicated

More information

Business Account Transition Charts

Business Account Transition Charts Business Account Transition Charts 37 Just Right Business Checking or Just Right Business Checking+ Small Business Checking $9 monthly maintenance fee 6 Relationship Rewards 1 If your daily balance does

More information

Becoming. A Family Member

Becoming. A Family Member Becoming A Family Member Are you an employee of one of our Community Partners? Do your children attend school in one of our partnering schools in Jackson and Ingham counties? Are you involved with any

More information

Managing your checking account.

Managing your checking account. We re here for you We hope you have found this guide helpful. In the future, anytime you have a question about your account, visit a Webster branch or call us. You can rely on Webster for whatever assistance

More information

Deposit Account Services and Prices Schedule

Deposit Account Services and Prices Schedule Deposit Account Services and Prices Schedule Illinois, Indiana, Michigan, Wisconsin Effective May 27, 2016 Truth-in-Savings Act Disclosures Electronic Funds Transfer Act Disclosures TABLE OF CONTENTS SERVICES

More information

OUR HISTORY FROM HUMBLE BEGINNINGS TO VISIONARY GROWTH.

OUR HISTORY FROM HUMBLE BEGINNINGS TO VISIONARY GROWTH. OUR HISTORY FROM HUMBLE BEGINNINGS TO VISIONARY GROWTH. Back in 1934, the big news in the small town of Alamogordo, New Mexico was that a new savings and loan of the same name had been chartered by local

More information

START HERE THE BASICS TIPS + TRICKS ADDITIONAL HELP. quick start THREE SIMPLE STEPS TO SET UP IN UNDER 5 MINUTES

START HERE THE BASICS TIPS + TRICKS ADDITIONAL HELP. quick start THREE SIMPLE STEPS TO SET UP IN UNDER 5 MINUTES quick start Thank you for choosing Virtual Wallet! We hope Virtual Wallet will help you spend, save and grow your money. This Quick Start will introduce you to some of Virtual Wallet s features so you

More information

Personal Schedule of Fees

Personal Schedule of Fees Personal Schedule of Fees Effective May 6, 2016 bankofamerica.com Applies in all states. Bank of America, N.A. Member FDIC. 2016 Bank of America Corporation. 91-11-3000B 00-14-9299 29898 Table of Contents

More information

Your Member Kit WELCOME. Here s everything you need to know about the transition from North Shore Manufacturers to Hanscom.

Your Member Kit WELCOME. Here s everything you need to know about the transition from North Shore Manufacturers to Hanscom. Your Member Kit WELCOME Here s everything you need to know about the transition from North Shore Manufacturers to Hanscom. Table of Contents Key Dates... 1 General Account Information... 2 Savings Accounts...

More information

Checking Account Overdraft Agreement

Checking Account Overdraft Agreement Checking Account Overdraft Agreement Account Name Account Number Share # This Overdraft Agreement ("Agreement") describes the circumstances when we (the Credit Union) will pay overdrafts in your checking

More information

Contents. General Information

Contents. General Information Welcome to Citibank and thank you for choosing us for your banking needs. This Marketplace Addendum is a supplement to the Client Manual Consumer Accounts. This Addendum incorporates all of the terms,

More information

Welcome to IMPORTANT INFORMATION REGARDING YOUR MEMBERSHIP

Welcome to IMPORTANT INFORMATION REGARDING YOUR MEMBERSHIP Welcome to IMPORTANT INFORMATION REGARDING YOUR MEMBERSHIP Welcome! We are very excited to have you join Associated Healthcare Credit Union (AHCU). AHCU serves the healthcare industry in thirty-three counties

More information

Get connected with everything Checking has to offer. And get back to living.

Get connected with everything Checking has to offer. And get back to living. Get connected with everything Checking has to offer. And get back to living. INSIDE Member FDIC We make it easy. Get connected in 6 simple steps. Welcome Thank you for choosing Northwest. Let us walk you

More information

Consumer Fee Schedule - Colorado ATM/Debit Card Fees

Consumer Fee Schedule - Colorado ATM/Debit Card Fees ATM Fee (FirstBank ATM) ATM Fee (Non-FirstBank ATM) FirstBank ATM/Visa Debit Card (Per Cardholder) Consumer Fee Schedule - Colorado ATM/Debit Card Fees Overdraft Information & Fees Non-Sufficient Funds

More information

OUR HISTORY FROM HUMBLE BEGINNINGS TO VISIONARY GROWTH.

OUR HISTORY FROM HUMBLE BEGINNINGS TO VISIONARY GROWTH. OUR HISTORY FROM HUMBLE BEGINNINGS TO VISIONARY GROWTH. Back in 1934, the big news in the small town of Alamogordo, New Mexico was that a new savings and loan of the same name had been chartered by local

More information

E-SERVICES. Chicago Municipal Employees Credit Union

E-SERVICES. Chicago Municipal Employees Credit Union E-SERVICES Chicago Municipal Employees Credit Union CME@Home Chicago Municipal Employees Credit Union offers 24/7/365 access to your account information from your personal computer. Our online banking

More information