1 CURIOUS HOW THIS MORTGAGE THING WORKS? IMPORTANT INFORMATION ABOUT YOUR NEW HOME LOAN.
2 WELCOME TO YOUR NEW MORTGAGE. WHAT S NEXT?
3 Owning a home is a great feeling. And having a mortgage that you know works for you, that s a great feeling, too. That s why Fifth Third keeps reaching out to people like you, asking them what they need in a mortgage, and using those suggestions to create new mortgage products. We also know that learning about mortgages doesn t stop when you sign the papers. So we ve put together this booklet, to give you a quick reference of the finer points of paying for a home. Read on, and you ll learn about topics like escrow, taxes, insurance and online account management, as well as some of the special benefits you re eligible for as a Fifth Third customer. Of course, if you have any questions this booklet doesn t cover, you can call us or stop by any Fifth Third banking center. From all of us at Fifth Third, congratulations on your new mortgage.
4 FAQS: STAY INFORMED ABOUT YOUR ESCROW ACCOUNT AND ANNUAL ANALYSIS. For customers with an escrow account, here are some answers to some frequently asked questions. What is an escrow account and why do I have one? An escrow account acts like a savings account for the payment of your taxes and/or insurance. As each mortgage payment is made, a portion of your payment is deposited into the escrow account to pay your taxes and/or insurance. Projected tax and/or insurance amounts are equal to the last known amounts paid. If you have an escrow account, Fifth Third will use funds from that account to pay your tax and/or insurance bills as they become due. What causes my monthly escrow payment to change? Increases and decreases to the escrow portion of your monthly mortgage payment are typically the result of changes in your real estate taxes and/or insurance. Some possible reasons are: Homeowner s Insurance: Your premium may be different as a result of changes to the type or extent of your insurance coverage, or if your insurance company changed your premium. We encourage you to contact your insurance company or local insurance agent with any questions regarding changes to your homeowner s insurance premiums. Real Estate Taxes: Your real estate taxes may be different as a result of your property being reassessed or if the tax rate has changed. Unexpected Tax Bills: Bills for special assessments charged by your local tax authority may also impact the amount we collect for your real estate taxes. Anticipated tax payment timeframes may change as well. We encourage you to contact your local taxing authority with any questions regarding changes to your real estate taxes. New Construction: For New Construction loans, the first tax bill is typically a partial assessment that only includes the lot/land, and not your new structure. The amount may
5 ESCROW ACCOUNT increase once a tax bill is received with the full assessed value, which includes the land and the house. Initial Escrow Deposit: Escrow is estimated at loan closing if specific information is not available. If the amount collected for the setup of your escrow account was more or less than the actual bills received, this might cause your monthly mortgage payment to change. Why is Fifth Third holding a cushion of two months of escrow payments? A cushion is the minimum balance of the escrow account and acts like a savings account to help if your taxes or insurance increase. Your mortgage documents allow us to maintain an escrow cushion equal to two months of escrow payments unless otherwise mandated by state law. What is an escrow shortage? Federal law allows for the collection of a reserve amount to maintain a cushion for unexpected tax and/or insurance increases and other costs. Your lowest monthly required balance cannot fall below this reserve amount at any point during the year. If the escrow account falls below the required balance, the difference between the lowest balance and the required balance would then become your shortage amount. A shortage could be due to tax and/or insurance increases from the prior year s projections. QUESTIONS? CONTACT CUSTOMER SERVICE AT
6 TAXES: A NECESSARY PART OF HOMEOWNERSHIP. As a homeowner, you ll most likely have to pay real estate taxes. Here are a few questions we often hear from our mortgage customers. If you have questions not listed here, please contact a tax professional or Fifth Third Customer Service at I received my tax bill. Should I send it to you? If you have an escrow account for payment of your taxes, Fifth Third will obtain a copy of your tax bill directly from your tax agency. You should retain the tax bill for your records. If you live in Pennsylvania, please forward your tax bill to: Fifth Third Bank, PO Box , Fort Worth, TX Or, you can fax it to If you receive a tax bill marked COPY or FOR YOUR INFORMATION, you do not need to send it to us. If you do not escrow for taxes, you are responsible for paying your tax bill.
7 Who can answer questions about my real estate tax bill? Questions about real estate tax increases, your assessed value and tax rates can best be answered by contacting your local tax collector directly. What tax bills are paid from my escrow account? If you have an escrow account for real estate taxes, Fifth Third will ensure they are paid. You are responsible for paying any supplemental bills or non-real estate bills you receive, such as solid waste or water/sewer bills. TAXES What is a Special Assessment Tax Bill? A special assessment may be charged against your property because of improvements from which you benefit, including street and sidewalk repairs or sewer construction. If you receive this interim or supplemental bill, it is very important that you pay it because Fifth Third may not know about this bill and did not plan for the payment of the bill from your escrow account. What can I expect as a New Construction borrower? Typically, the first bill for new property is for the lot/land only. You may receive an interim or supplemental bill for the full assessed value which will include the land and the house. It is very important that you pay the supplemental bill because in some cases collection for this bill is not included in the current escrow account. If you have any questions, please contact your tax professional or call Fifth Third Customer Service at QUESTIONS? CONTACT CUSTOMER SERVICE AT
8 KEEPING YOU COVERED. WHAT YOU NEED TO KNOW ABOUT HOMEOWNER S INSURANCE. Understanding your homeowner s (hazard) insurance options and responsibilities is an important part of protecting your mortgage and your home. That s why we ve outlined the types of policies available, some general insurance information, plus tips on how you may be able to reduce insurance costs on your home. What are my homeowner s insurance responsibilities? All mortgage lenders require that you have homeowner s insurance. As a homeowner and in accordance with your loan documentation, you need to maintain adequate homeowner s coverage at all times. Your homeowner s policy must meet the following requirements: Provide for a minimum of fire and extended coverage with special form endorsements Fifth Third must be listed as the mortgagee on all policies Coverage must be equal to the loan balance or value of the home Insurance must be with a company or carrier rated B+ or higher by the Best Rating Guide The policy must carry a deductible I received my insurance renewal notice and a request for payment. What should I do? If you have an escrow account and your bill has not been paid, please forward the bill with your loan number to the following address: Fifth Third Bancorp, ISAOA, PO Box 598, Amelia, OH, You can also fax your bill to If you do not have an escrow account, please make sure your insurance agent has this address listed under the mortgagee clause.
9 There are several types of policies available to you. Homeowner s Insurance ensures that the property will be replaced or the damage will be repaired up to the amount of coverage obtained. (Also referred to as Hazard, Vacancy, Renter s, Landlord or Fire Coverage.) Flood Insurance will be required in areas where the dwelling is in a designated flood zone. Condominium Insurance is held by a homeowner s association to protect the dwelling. Earthquake Insurance is usually carried on a voluntary basis and is typically not paid from your escrow account. Wind Insurance may be required in areas where the dwelling is along a coastal area. It is very important for Fifth Third to be aware of any changes you make to your homeowner s insurance policy. Therefore, before you actually make changes, call us to discuss your policy requirements. INSURANCE Tips on some ways you may be able to save money on your homeowner s insurance: Purchase your home and auto policies from the same insurer Insure the house not the land Maintain a home security system Ensure a smoke-free home FOR MORE INFORMATION ON INSURANCE, CONTACT FIFTH THIRD AT
10 53.COM: A FASTER, EASIER WAY TO TAKE CARE OF YOUR MORTGAGE.
11 As a homeowner, you ll want to stay on top of your mortgage payments and everything involved with the loan. An easy way to do this is to sign up for Fifth Third Internet Banking. 1 With Internet Banking, you can access all of your mortgage account information online at 53.com and: Review your account information. See principal and interest breakdowns, payment receipt dates, 1098 tax statements, real estate tax and homeowner s insurance activity as well as general information on your loan. Update your personal information. If your mailing address, telephone number or information changes, you can make these changes online. Make your payment online. Visit 53.com and sign in to Internet Banking to easily transfer funds to make your monthly payment. ONLINE SIGN UP FOR INTERNET BANKING TODAY AT 53.COM.
12 ADDITIONAL OPTIONS TO HELP MEET YOUR NEEDS. Fifth Third offers a wide range of products and services to help meet the financial needs of our customers. Homeowner Plus Value Package: This combines three essential financial tools a Fifth Third Consumer Rewards Credit Card 2, a Fifth Third Established Checking Account and a Fifth Third mortgage to help you save on your everyday banking and help pay off your mortgage sooner. HERE S HOW IT WORKS: A Fifth Third Consumer Rewards Credit Card helps you pay down your Fifth Third mortgage faster by turning everyday purchases 3,4 into Real Life Rewards SM points that can be used to pay down your mortgage principal. Every time you reach 2,500 Real Life Rewards SM points, you can redeem your points for a $25 principal reduction to your Fifth Third Mortgage. 5 With the Fifth Third Homeowner Plus Value Package, you could save thousands of dollars in interest over the life of your mortgage and pay it off months sooner. WITHOUT WITH* Amount Financed $200,000 $200,000 Reward Points Paid Toward Principal 0 $7,200 (over the life of the loan) Interest Paid (life of loan) $186,507 $177,139 Number of Payments Total Paid by Customer $386,507 $369,939 Number of Mortgage Payments Saved 0 15 Savings $0 $16,568 See how much you can save by visiting our interactive calculator at 53.com/homeownerplus. * Example assumes a 5% interest rate (5.059% APR) on a 30-year fixed-rate mortgage of $200,000 with average fees of $1, (other fees not affecting the APR may apply). This example also assumes average monthly spending, using a Real Life Rewards SM Credit Card, Cash Rewards Card, Columbus Zoo Credit Card or a Nashville Predators Credit Card, of $300/month on gas and grocery purchases and average monthly spending for all other credit card purchases 2,3,4 to be $1,500/ month and monthly redemption of points. 5 A 25% down payment with no private mortgage insurance (PMI) is assumed, with a monthly payment of $1,
13 Fifth Third Identity Theft Protection: You re unique. We can help you keep it that way. Visit 53.com/identityalert to learn more about Fifth Third identity theft protection solutions. 6 Fifth Third Credit Cards: Fifth Third credit cards offer a variety of benefits suited to your lifestyle, including competitive rates, special savings, and emergency services should any problems arise. Visit 53.com/credit-cards to learn more. 2 Fifth Third Savings Accounts: Our savings solutions can help you secure your finances, grow your money over time and meet your financial goals. Visit 53.com/savings to learn more. EXCLUSIVELY FOR FIFTH THIRD CHECKING CUSTOMERS: The following services are available to Fifth Third checking customers. If you re not already a checking customer, open an account at 53.com/checking and enjoy these great benefits, too. Internet Banking and Online Bill Payment: Fifth Third s Internet Banking system is the fast, free and secure way to view accounts, make transfers and pay bills 24 hours a day, seven days a week. 5,7 Mobile Banking: With Fifth Third Mobile Banking, you can check your balances, locate branches and ATMs, pay bills or transfer funds any time, any place, right from your phone. And now, with Mobile Deposit, you can deposit checks anywhere, anytime. You can even have account-related text alerts automatically sent to your mobile device. 8 BENEFITS
14 CHECK OUT THE DIFFERENT WAYS TO MAKE YOUR MONTHLY MORTGAGE PAYMENT. Fifth Third offers many convenient, hassle-free ways to make your monthly mortgage payment. Fifth Third Auto Billpayer : With this feature, your mortgage payment will be automatically deducted from your designated account each month. There is no fee associated with setting up this service. To enroll in Auto Billpayer, call Make Your Payment Online: Visit 53.com and sign in to Internet Banking to easily transfer funds to make your monthly payment. There is no fee when you make your payment online using Internet Banking. By Mail: Send a check made payable to Fifth Third Bank. Please be sure to include your full loan number and mail to: Fifth Third Bank, PO Box , Cincinnati, OH Please include your monthly mortgage statement or payment coupon if available. Mobile Banking: Fifth Third customers can get started with the mobile app by setting up Internet Banking access at 53.com. Once you have your username and password, download the app for iphone from the App Store or for Android from Google Play. Then, make your monthly payment by easily transferring funds from your Fifth Third checking or savings account. Mobile Banking is not available as a payment option for non-fifth Third checking or savings customers. In Person: Visit any Fifth Third Banking Center to make your loan payment in person. Pay-By-Phone: Call an agent to make a payment over the phone, Monday through Friday, 7 a.m. to 8 p.m., ET at There is a fee of up to $15 for this option. Please consider the payment options listed above as you may be able to avoid a fee associated with paying your loan. CUSTOMER SERVICE MONDAY FRIDAY 7 A.M. 8 P.M., ET
15 If you have an escrow account for payment of taxes and/or insurance, please forward your bill to: Taxes Mail to: Fifth Third Bank PO Box Fort Worth, TX Fax to: Insurance Mail to: Fifth Third Bancorp, ISAOA PO Box 598 Amelia, OH Fax to: Paying Off Your Mortgage Loan Request Your Payoff Amount: Call When prompted, enter your mortgage loan number or social security number. Step 1: Select Option 5 for Mortgage. Step 2: Select Option 2 for Payoffs. Step 3: Select Option 1 if you are a customer, or select option 2 if you are calling on behalf of a customer. Enter the date you want the payoff through (cannot be more than 30 days out) then select how you d like to receive the information: Select Option 1 to receive via fax. Select Option 2 to receive via mail. Select Option 3 for the payoff mailing address. Payoff Instructions: Your payoff must be made payable to Fifth Third Mortgage and the full mortgage loan account number will need to be referenced in the memo potion of the check. Interest will continue to accrue until funds are received. To eliminate delays in processing, please provide a contact name, telephone number and a copy of the payoff quote you received along with your form of payment. Please note: If you escrow for taxes and insurance and have had an escrow disbursement during the payoff quote good through date, this may impact your payoff amount. Make checks payable to Fifth Third Mortgage. Please send check and letter to Fifth Third Mortgage, Mortgage Loan Payoffs, 5050 Kingsley Drive, Mail Drop 1MOC2K, Cincinnati, OH This address can also be used for overnight payments. Thinking about refinancing or buying a new home? Call us at to speak with a mortgage loan originator, visit 53.com/mortgagedream or stop by your local banking center to learn more. PAYMENTS
16 A minimum of $50 is required to open any Fifth Third checking or savings account. Checking accounts may have monthly fees. 1. Subject to internet banking terms and conditions. 2. Credit Cards subject to credit review and approval. Eligible Consumer Rewards Credit Cards include the Real Life Rewards SM Credit Card, Cash Rewards Card, Columbus Zoo Credit Card and Nashville Predators Credit Card. Other Fifth Third Consumer Rewards Cards are eligible but point calculation shown in illustration may vary. 3. Purchases are defined as the dollar value of goods and services of credit purchases made with the Card, minus any credits, returns or other adjustments as reflected on the monthly statements. Purchases do not include annual fees, late payment fees, over-limit fees, insurance charges, card-related service charges, Finance Charges, or other fees and/or unauthorized charges. Purchases also do not include Cash Advances, PIN-based transactions, Ready Reserve Overdraft Protection transactions, balance transfers, Convenience Checks, person-to-person money transfers, quasi-cash transactions (including the purchase of casino gaming chips, lottery tickets, wire transfer services, traveler s checks, foreign currency, or money orders), gaming transactions or currency purchases. Some products may carry an expiration limit on rewards points. Refer to the Rewards Program Terms and Conditions which can be found by signing into Internet Banking at 53.com. 4. Applies to Real Life Rewards, Columbus Zoo and Nashville Predators Cards: Everyday Spend Bonus is defined as: earn double Real Life Rewards SM points for every $1 spent on qualifying gas, grocery, and discount store purchases. Fifth Third does not determine the Merchant Category Codes that businesses use to classify their business. Purchases made at a merchant that does not process transactions under the bonus categories will not qualify and you will not receive the Spend Bonus Points. Bonus points will show up on your monthly statement. Applies to the Cash Rewards Card: Cash Rewards Everyday Bonus is defined as: earn double Real Life Rewards SM for every $1 spent on qualifying gas, grocery and discount store purchases. Fifth Third does not determine the Merchant Category Codes that businesses use to classify their business. Purchases made at a merchant that does not process transactions under the bonus categories will not qualify and you will not receive the Everyday Bonus Points. Bonus points will show up on your monthly statement. Cash Rewards accounts earn a 2% cash reward for every $1 spent on Everyday Bonus purchases on up to $1, of eligible Everyday Bonus each calendar quarter. Earn 1% cash reward on Everyday Bonus purchases each calendar quarter over $1, Log into Internet Banking on 53.com and click on the Real Life Rewards link to manage and redeem points. Subject to Internet Banking and Bill Pay User Agreement. Redemption for a mortgage loan reward does not replace your monthly payment. Restrictions apply. Subject to Real Life Rewards Terms and Conditions. 6. The Identity Theft Insurance benefits are provided to all members, along with all other benefits afforded as part of the program, through Financial Services Association ( FSA or the Association ). Upon enrollment in the program, you will automatically be admitted as a member of the Association. The Identity Theft Insurance is underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (collectively, the Company ) under group policy # for non-new York State Insureds and # for New York State Insureds. The Benefit Summary under the master policy issued by the Company with respect to such insurance will be available to you upon enrollment in the program. The summary of policy benefits, terms, conditions, exclusions, and limits of coverage set forth in the Benefit Summary are subject to the terms of the master policy. Availability of coverage is subject to underwriting qualifications and state laws and regulations. Coverage is subject to actual policy language. 7. Electronic payments made by 7 p.m., ET will be delivered the next business day. 8. Mobile deposits made by 8 p.m., ET will post the same business day. Mobile Internet data and text message charges may apply. Please contact your mobile service provider for details. Real Life Rewards is a registered service mark of Fifth Third Bancorp. Loans are subject to credit review and approval. Fifth Third Mortgage Company, 5001 Kingsley Drive, Cincinnati, OH 45227, , an Illinois Residential Mortgage Licensee, License No. MB , Illinois Commissioner of Banks and Real Estate, 122 S. Michigan Ave., 19th Floor, Chicago, IL 60603, Fifth Third Mortgage Company d/b/a Fifth Third Mortgage Company Incorporated and licensed by the New Hampshire banking department, licensed by the N.J. Department of Banking and Insurances and the California Department of Business Oversight under the California Residential Mortgage Lending Act. Fifth Third Mortgage is the trade name used by the Fifth Third Mortgage Company (NMLS #134100) and Fifth Third Mortgage-MI, LLC (NMLS #447141). Fifth Third Bank, Member FDIC. Equal Housing Lender /15
AmaZing Cash FAQs About the Program 1. How does the AmaZing Cash program work? The AmaZing Cash program comes automatically with the AmaZing Cash Credit Card and the AmaZing Cash Signature Card. You earn
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
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
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
Membership hacu.org Contact Center 630.276.5555 800.942.0158 (toll-free) Monday Wednesday Tues.,Thurs. & Fri. 8:30 am 5:00 pm 8:30 am 1:00 pm 8:30 am 4:00 pm Learn more about your credit union at hacu.org
We have a plan to make yours easier. The Citizens Guide to Construction-to-Permanent Financing Table of Contents How it works 3 Getting started 4 The construction-to-permanent loan process 5 The construction
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
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
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
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.
Bank of America Branch Conversion Customer FAQs Updates to this document will be made accordingly following September 12, 2014. (use Ctrl + Click to follow content titles) Bank of America Branch Conversion
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,
Your Guide To Home Financing You re buying your first home. We have an easy mortgage solution. When buying a home, the world of mortgages can be intimidating and overwhelming. The key to feeling good about
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.
products & services Building lifelong relationships one member at a time. Joining CDC FCU For more than 60 years, CDC Federal Credit Union has been helping our members achieve their dreams with quality
BENEFIT SUMMARY Platinum Plus Business Rewards Don t just think of it as a credit card. Think of it as a way to work more efficiently. If you use a personal credit card for business expenditures, you re
Your new checking account Getting started guide The information in this disclosure may not be entirely accessible to screen readers. Please call the Phone Bank at 1-800-TO-WELLS if you would like to obtain
Financing Your Dreams Working together for your benefit Your personal balance sheet comprises assets what you own and liabilities what you owe. When or whether you eventually reach your long-term financial
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
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
HOME BUYING MADE EASY Live the dream of owning your own home. sm Getting started For most of us, buying our first home is a dream come true. It s also a lengthy process where potential and sometimes very
FOR YOUR INTEREST SPRING 2016 CARD SECURITY IN YOUR HANDS FRESH PERSPECTIVE TOM S CORNER Dear Fellow Members, As you have seen over the last several years, Notre Dame Federal Credit Union strives to provide
SFPCU Welcomes Contra Costa SO WHO IS THE SF POLICE CREDIT UNION? The SF Police Credit Union has provided financial services since 1953. We are a non-profit, financial institution that is cooperatively
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
Welcome to your CIBC Dividend Visa * Card Turn your everyday spending into cash back rewards Get 2% cash back on all grocery purchases 1 Get started with your new cash back card 1. Activate your card Activate
Managing Your Checking Account People you trust. Advice that works. Member FDIC trustmark.com Keeping in Check Avoid unnecessary fees by staying in control of your checking account. 1. Record all transactions
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
It s ALL inside. Everything you expect from your bank and more. member services, loans & benefits Better banking for Less Loans. Deposits. Insurance. Investments. www.lcfcu.org a tradition of Service Library
We ll help you open the door. The Citizens Guide to Home Financing Lori Customer Table of Contents Before you look 4 The costs of purchasing a home 4 Getting a head start: Pre-approval 6 Choosing a mortgage
PC Teller Consumer Agreement & Disclosures I. Introduction II. Accessing Your CINCO Accounts through PC Teller A. Requirements B. Electronic Mail (email) C. Fees D. New Services E. Benefits of Using PC
Municipal Credit Union MCU² VISA CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT RETAIL INSTALLMENT CREDIT AGREEMENT 1. Definitions: In this Agreement the words we, us and our mean Municipal Credit Union,
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
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...
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
WELCOME Citi Dividend World MasterCard Cash Back. Security. Convenience. SMART A card built to put your money to work. Welcome to your Citi Dividend World MasterCard. Here s how it works: Earn at least
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
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
HOME BUYING MADE EASY Live the dream of owning your own home. HOME buying Made Easy PNC, PNC AgentView and Home Insight are registered service marks of The PNC Financial Services Group, Inc. ( PNC ). PNC
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
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
REALSite FAQ for Possibilities CHECKING 1. How do I deposit money? -Use Direct Deposit for your payroll or government checks; this gives you instant access to your funds without having to visit a branch.
Your Home Loan Planner A step-by-step guide so you know what to expect from application to closing Inside this planner At Bank of America, our goal is to help make the home loan process as clear and informative
March 2015 Number 3 Volume 53 Get paid a day early with Direct Deposit Are you anxious around payday, worrying about having money in your account to pay bills on time? Sign up for SAFE Direct Deposit and
YOUR BENEFITS GUIDE Welcome to your CIBC TELUS Rewards Visa * Card YOUR BENEFITS GUIDE BENEFITS AT A GLANCE Thank You for Choosing the CIBC TELUS Rewards Visa Card 1 How to Earn 2 How to Redeem 2 Go Paperless
How to Manage Your Account B A N K I N G I N S U R A N C E I N V E S T M E N T S Managing Your Mortgage Account Couldn t Be Easier! Thank you for choosing BB&T for your home mortgage. We know that buying
DirectNET Consumer Online Banking SM Last Amended 07/2014 This document sets forth the terms and conditions (the Agreement ) for the DirectNET Consumer Online Banking Service ( Service ) offered by California
DEPOSIT PRODUCTS & SERVICES CHASE PRIVATE CLIENT Chase Private Client brings you concierge banking from Chase, combined with the guidance and world-class investment expertise of J.P. Morgan. As a Private
Insights Summer 2011 The Newsletter for Weber State Credit Union Members. Rewards Checking Use your Debit card to earn free travel Free CARFAX report Buying a used car? Ask us for a free report first Debit
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
Wondering how to borrow using the equity in your home? Ask a Citizen. The Citizens Guide to Home Equity Financing We understand you have questions about home borrowing. We can help. At Citizens Bank, we
Congratulations on your new Mazda! This lease guide is designed to give you helpful information about: Online Account Management Making Payments Moving Insurance Requirements What to Do in Case of an Accident
Connecting ALL Your Banking Needs. SAVINGS We all have multiple financial needs. Whenever you need to bank, borrow or plan and grow, Align is here to help you every step of the way in one of our branches,
Small Business Banking Reference Guide YOU RE THE BOSS, WE RE YOUR BANK Put us to work for you Welcome to the #1 Small Business Bank in America 1. We re here to give you easy, convenient and accessible
HOME BUYING MADE EASY Know what you need to get it right. HOME BUYING MADE EASY PNC, PNC AgentView and Home Insight are registered service marks of The PNC Financial Services Group, Inc. ( PNC ). PNC has
Personal Banking 101 Interested in learning about how to manage your money? Personal Banking 101 will help you understand the financial fundamentals. Checking Account If you need a safe place to keep your
Information for First-time Home Buyers An overview of the mortgage process, from application to closing. Derek Haley, Senior Loan Officer SunTrust Mortgage, Inc. 919.426.5023 Derek.Haley@SunTrust.com NMLSR#
EXPLANATION OF VARIOUS KEY SERVICES AND CHARGES Here are some details about Regular Checking services. KEY ACCOUNT TERMS AND CHARGES: Monthly Service $8.95 Includes free Debit Cards, usage of Capital One
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
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.
TD Easy Rewards, TD Cash Rewards and TD Payment Plus Important Credit Card Terms and Conditions Rates, fees, and other important costs of the TD Easy Rewards SM, TD Cash Rewards SM or TD Payment Plus SM
Casey State Bank Online Banking Agreement and Disclosure Please carefully read this entire agreement and keep a copy for your records. By pressing the I ACCEPT button, you agree to the terms and conditions
Welcome home Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans. Smart move With the right advice from your mortgage broker and a smart, flexible home
Financial news you can use Perspectives Altra Federal Credit Union Member Newsletter Fall 2013 MobileBanking Check out Altra s Mobile Apps. Available for Android, ipad, and iphone. You can check your balances,
the TELLERThird Quarter 2015 INSIDE 2 Tips to Protect Your Personal Account Information 3 Drive Happy off the Lot 4 Mobile Check Deposit is on the Way Student Loans Can Help Fill the Gap 5 Picture Your
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
CHAPTER 7: ESCROW, TAXES, AND INSURANCE 7.1 INTRODUCTION Besides loan payments, other costs associated with being a homeowner include real estate taxes, hazard and flood insurance premiums, and related
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
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
MY TRANSACTION TOOLS 1 2 When you go into business, you have a specific goal: make money. You put all your energy into it and reap the rewards of your efforts. To achieve your goal, it s important to have
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
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!
Essential Information. NAB Business Payments Card. Contents Your NAB Business Payments Card Facility 3 How your card works 4 Your Facility Billing Account 4 Individual cards 5 Primary Cardholders 5 Other
This Addendum is incorporated into and becomes part of your LOANLINER Consumer Credit Card Agreement. Please keep this attached to your LOANLINER Consumer Credit Card Agreement. Interest Rates and Interest
TABLE OF CONTENTS Introduction 3 General Guidelines for Successful Account Management 3 Managing Your Checking Account 1. Check Register 2. Planning 3. Recording Your Transactions 4. Balancing Your Account
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