Conversion at a Glance. Important Dates and Information. Legend
|
|
- Branden Hodge
- 8 years ago
- Views:
Transcription
1 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 be integrated into Midland States Bank. Branches will remain open on Saturday, April 18 with normal business hours. Former Heartland Bank branches will open as Midland States Bank on Monday, April 20. During the conversion weekend, you will be able to access your bank accounts through ATMs, writing checks and using your debit card. Limited balance and transaction details will be available through ATMs during the conversion. Your transactions, including deposits and withdrawals, will continue to be processed like normal, but will not be available through the ATM, Online Banking or Bank by Phone until the conversion is complete. Legend Look for this symbol for new enhancements to the way you bank. Please pay special attention to this symbol which indicates changes that could affect you. This symbol informs you of the few services that will no longer be offered. Questions? Should you have questions concerning the information in this guide, we invite you to speak with one of our knowledgeable bank representatives. Through April 18, please contact Heartland Customer Service at Customer Care Center: Our toll-free Customer Care Center number to call after conversion weekend is MY-MIDLAND ( ) Important Dates and Information First Month Service Charges Waived On personal and business deposit accounts, we will waive monthly account service charges for the month immediately following conversion. Beginning June 1, normal charges will apply. This will allow you to become familiar with your new accounts and make account changes if you would like before monthly account service charges are incurred. Conversion Weekend Balances During Conversion Weekend, April 18 - April 19 - If you perform a balance inquiry at an ATM, the balance will reflect the end-of-day balance on April 17. Balances will not reflect the items posting to your account throughout the conversion weekend. For example, your transactions, including debit cards, deposits and withdrawals, will continue to be processed like normal, but will not be added to or withdrawn from your end-of-day balance until the conversion is complete. Balances will be refreshed on April 20. Account Number Changes Unless you have received a letter about an account number change, your account number will remain the same on deposit and loan accounts. Checks For your convenience, you may continue using your Heartland Bank Personal, Business, Home Equity Lines of Credit and Money Market checks. You can order new checks from our website, If you place your next order through another company, you will need to provide that company with the Midland States Bank routing transit number ( ) and your account number Customer Care Center Hours: 8:00 am - 5:30 pm, Monday-Friday 8:00 am - 12:00 pm, Saturday Routing Transit Number Your Account Number Conversion at a Glance 1
2 New Debit Cards April 15 - If you currently have a Heartland Bank Debit Card, your card will be replaced with a new Midland Debit MasterCard. This card will arrive in the mail no later than April 15. You can activate your new Midland card beginning on Monday, April 20. April 19 - You may continue using your current Heartland Bank debit card through midnight on Sunday, April 19. April 20 - You may activate your new Midland debit card beginning on Monday, April 20. Details explaining how to activate and change your Personal Identification Number (PIN) will be included with your new card. April 20 - If you currently authorize companies to use your Heartland debit card as a payment source, you will need to provide them your new debit card number prior to payments due on or after April 20. MoneyPass ATM Network April 17 - Access to MoneyPass ATM Network benefits will be discontinued effective end of business day April 17. If you use an ATM outside of Midland s ATM network, normal fees will apply. For a list of available ATMs in your area, visit Service Fee information is available within the enclosed Welcome Guide. Bank by Phone April 17 - April 19 - Bank by Phone will not be available during conversion weekend. April 20 - You can begin your Bank by Phone access by enrolling in Midland s Bank by Phone system. We have developed a special process which provides expedited enrollment. If you have not enrolled within 30 days after conversion, please refer to the instructions provided within the enclosed Welcome Guide for our standard enrollment and access instructions. Online Banking and Bill Pay After this conversion, you will have access to your new Midland Online Banking and Bill Pay service at www. midlandsb.com. Online Banking Schedule - Prior to April 17 - We recommend you download or record your account history, statements, recurring transfer schedules and bill payment information prior to the conversion. 90 days of transaction history will convert. April 17 at 5 pm - Heartland s Online Banking access will be turned off. April 20 - You can begin accessing your accounts through by logging into online banking through the Sign In link located in the upper right corner beginning on Monday, April 20. Using Online Banking for the First Time - You will be able to continue to use your current user ID (user name) and password. You will have multiple prompts that will be required the first time you sign in to Online Banking, including acceptance of the new terms and conditions of Midland s online banking. Note: You will need to be on a Personal Computer (not a smart phone device or tablet) the first time you sign in to Online Banking. After accessing the first time, you will be able to use different devices. April 20 - Your previous 12 months of Heartland online statements will be available. April 21 - Transactions performed over the conversion weekend will be available for viewing through Online Banking. Check images processed after April 17 will be available online. Scheduled Recurring Transfers and Alerts - Scheduled recurring transfers between your Heartland accounts will continue as scheduled after conversion. Online Bill Pay Schedule - Prior to April 17 - We recommend you download or record your payees and payment history prior to the conversion. 24 months of bill pay history will convert. April 17 at 6 am - Your ability to schedule or pay bills online at Heartland will be turned off in order to bring your bill pay and payee information over to Midland. April 20 - You can begin accessing your Online Bill Pay account through We recommend you check your payees (including all payee details) and your scheduled payments to make sure your information converted correctly. April 20 - You may notice your payment date may have changed because Midland uses a deliver by verses a send on date method. A deliver by method pays based on when your payment is due. A send on date method requires you to calculate the time to send before the date the payment is due, as well as the way it will be sent. Midland will calculate when the payment should be sent based on whether it is to go by check or electronic methods, according to the deliver by date. After April 20 - Set up bills to be presented for payment within Online Banking. This is called e-bills. You will be notified by when your bill arrives. Pre-scheduled Bill Payments - Your pre-scheduled online bill payments will continue even though access will not be available during conversion weekend. 2 Conversion at a Glance
3 Mobile and Text Banking April 20 - For our Online Banking users, you can begin accessing your accounts through our Mobile App and Text Banking services beginning on Monday, April 20. April 20 - Online Banking users can begin making mobile deposits through our Mobile App beginning April 20. External Transfers - Popmoney Prior to April 14 - We recommend you download or record your external transfer activity and settings. Your Heartland Bank settings, including account set-up will not convert. Once the conversion is complete, you will be able to reestablish them using Midland s Online Banking service and clicking on the Move Money tab. April 14 at 5 pm - Your ability to schedule External Transfers or Popmoney transfers will be turned off. Transfers scheduled to deliver after April 17 will not be processed due to the conversion. If you would like to initiate a Wire Transfer between April 15 - April 17, please contact Heartland s Customer Service team. April 17 - This is the last day External Transfers and Popmoney transfers will be delivered via Heartland s Online Banking system. Transfers scheduled for delivery past April 17 will not be processed. Online Statements and Notices April 20 - You can register to receive Online Statements when you sign in to Online Banking. Once you register for Online Statements, online notices will also present within the same area. You can turn on or turn off electronic statements and notices by account. Purchase Rewards April 20 - You can view your Purchase Rewards information online. Learn more about Purchase Rewards at www. midlandsb.com/mobile, under Earn Cash Back. FinanceWorks April 20 - FinanceWorks information will convert. You will need to refresh your external accounts through FinanceWorks beginning April 20 to see balances and account transaction history. Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs) Changes Early Withdrawal Penalties - The terms of your CD or IRA as established with Heartland Bank will not change until the first maturity after the conversion to Midland. However, new early withdrawal penalties apply at the time of conversion. Please refer to details in the enclosed Welcome Guide. Loans Personal Loans, Home Equity Loans and Mortgages. The terms and conditions of your loans will not change. Automatic payments will continue. Home Equity Lines of Credit. Automatic payments will continue. You will receive additional information in a separate mailing as the terms and conditions of your loan will change. A Home Equity Discover Card is available for more convenient access to your line of credit. Overdraft Reserve Line of Credit. If you currently have an overdraft line of credit, the terms and conditions of your line of credit will convert to Midland s Reserve Line of Credit. The new terms and conditions have already been mailed to customers with an overdraft line. Business Loans. The terms and conditions of your loans will not change. Automatic payments will continue. Health Savings Accounts (HSA) April 20 - Midland s Health Savings Account provides account owners the option to use checks and HSA debit cards to pay for qualified medical transactions. You may order Midland HSA checks beginning April 20. Savings Account Transfers April 20 - Service Fees associated with Savings Account Transfers for overdraft purposes, will post to your account receiving the transferred funds beginning April 20. Statements After April 17 - You will receive a final Heartland Bank statement reflecting your account activity and balance through April 17. Personal, Money Market and Business Accounts - You will receive your Midland statement within 30 days after this conversion. Your statement will then cycle on the same day each month thereafter. Home Equity Lines of Credit - Your statement date will change, and your payment due date may change. Please check your first Midland Home Equity statement carefully to understand your next due date. After April 20 - If you would like to combine multiple account information into one statement, please contact our Customer Care Center after April 20. Combined statements will not convert and will need to be reconnected. Safe Deposit Box The terms and conditions of your safe deposit box will not change with the exception of the annual fee. The new annual fee will be effective as of April 17. Please refer to details in the enclosed Welcome Guide. Business Online Banking and Bill Pay After this conversion, you will have access to your new Conversion at a Glance 3
4 Midland Business Online Banking and Bill Pay service at After conversion, if you would like a free demonstration, please contact your local bank representative to schedule the best time to meet. Remote Deposit Capture for Businesses Deposit Window - On Friday, April 17, your company can make deposits until 5 pm for the current business day. After the conversion, the cut-off time will occur at 6 pm for the posting to occur on the same business day. Incoming Wire Transfers April 20 - You will need to communicate new Midland wire transfer instructions to parties sending wire transfers to your account. Bank Name: Midland States Bank 1201 Network Centre Drive Effingham, IL ABA Credit to: Customer Name Account Number ADDENDUM TO THE WELCOME GUIDE We have made a few changes since the printing of the enclosed Welcome Guide. Changes are highlighted in orange text. The changes listed below are effective upon conversion, April 17 and replace the identified sections within the Welcome Guide. Your New Account Guide NEW! IOLTA Checking, CO will convert to the Lawyers Trust Account listed on page 13 of the Welcome Guide. PAGE 4 Liv Unlimited Checking. CHANGE! Trusted ID is no longer offered with Liv Unlimited Checking accounts. Any and all references to Trusted ID within the Welcome Guide are not applicable. Identity theft protection with Trusted ID has been replaced by an Identity Theft Assistance Package. If you have a Liv Unlimited Checking Account, you will automatically receive Identity Theft Assistance and registration is not required. Identity Theft Assistance is available to you at no additional cost with your Liv Unlimited Account. Included with your Identity Theft Assistance Package: Personal Identity Protection. If your identity is stolen, this benefit offers reimbursement for some expenses you may incur to restore or repair your identity. There is a $2,500 lifetime benefit. Payment Card Fraud Protection. Fraud specialists are available to assist you if your credit or debit cards become lost or stolen. They will provide assistance in canceling and reissuing your cards, and provide guidance to help protect your finances. Identity Theft Aid. For other fraud issues and concerns, this service offers unlimited access to a personal fraud specialist who will provide education, guidance, identity recovery support and resolution services, as well as concierge assistance. PAGE 5 Liv Rewarded Checking. CHANGE! Trusted ID is no longer offered with Liv Rewarded Checking accounts. Any and all references to Trusted ID within the Welcome Guide are not applicable. Identity theft protection with Trusted ID has been replaced by an Identity Theft Assistance Package. If you have a Liv Rewarded Checking Account, you will automatically receive Identity Theft Assistance and registration is not required. Identity Theft Assistance is available to you at no additional cost with your Liv Rewarded Account. Included with your Identity Theft Assistance Package: Personal Identity Protection. If your identity is stolen, this benefit offers reimbursement for some expenses you may incur to restore or repair your identity. There is a $2,500 lifetime benefit. Payment Card Fraud Protection. Fraud specialists are available to assist you if your credit or debit cards become lost or stolen. They will provide assistance in canceling and reissuing your cards, and provide guidance to help protect your finances. Identity Theft Aid. For other fraud issues and concerns, this service offers unlimited access to a personal fraud specialist who will provide education, guidance, identity recovery support and resolution services, as well as concierge assistance. PAGE 19 Courtesy Overdraft Policy A $31 fee is assessed for each item, whether the item is paid or returned. The total of your overdraft balance, including any and all bank fees and charges, is immediately due and payable when incurred, and you will continue to be liable for such amounts pursuant to the terms of the account agreement. PAGE 20 Electronic Funds Transfer Mobile Banking Transfers You may access your account(s) by web-enabled cell 4 Conversion at a Glance
5 phone the following three ways: By accessing your online banking account and using your web browser, By downloading the Midland States Bank mobile app, and/or By SMS Text Banking commands You may then: Transfer funds between authorized accounts Make payments from checking to loan accounts with us Get information about account balances in your checking, savings, loans and/or money market accounts. PAGE 21 MasterCard Debit Card Limits The standard daily limits (per card) are: ATM cash withdrawals - $ POS (PIN) or signature - $2, MasterCard Debit Liability Additional Limits on Liability for MasterCard Debit Cards. Zero Liability Protection applies to transactions made in the store, over the telephone, or online. As a cardholder, you will not be held responsible for unauthorized transactions if your account is in good standing, you have exercised reasonable care in safeguarding your card for loss or theft and you promptly notify us of such loss or theft. The additional limit on liability does not apply to ATM transactions or to transactions using your Personal Identification Number (PIN) which are not processed by MasterCard; however, commencing October 17, 2014, Zero Liability Protection will apply to all transactions conducted with your card, including PIN-based transactions as POS and ATM. In addition, Zero Liability does not apply to cards used for commercial, business or agricultural purposes but do apply for small businesses. MasterCard is a registered trademark of MasterCard International Incorporated. PAGE 28 Privacy Policy Affiliates Midland States Bancorp, Inc. (Holding Company) and Midland States Bank are affiliates. Our affiliates currently include entities with the Midland and Heartland names as well as entities of a financial nature bearing another name. They include: Heartland Premier Mortgage, Midland Preferred Mortgage, Heartland Business Credit, and Love Funding Corporation. Our affiliates may also include subsequently formed or acquired entities of a financial or nonfinancial nature. Conversion at a Glance 5
6 Interest Tiers The interest rate and Annual Percentrage Yield ( APY ) will vary depending upon the tier within which your daily account balance falls. The interest rate and APY for all tiers may change at any time at Midland s discretion. To obtain the current interest rate and APY that applies to your new account, commencing March 20, you may contact your local branch or call Customer Care at MY-MIDLAND. For additional information, including Compounding, Crediting and Balance Computation Method, see the enclosed Welcome Guide. Interest Rates and APYs listed as of March 15, Personal Interest Bearing Accounts Liv Unlimited Interest Rate APY $ $49, % 0.03% $50, $99, % 0.05% $100, $249, % 0.09% $250, and up 0.18% 0.18% Midland Money Market Interest Rate APY $ $9, % 0.03% $10, $49, % 0.07% $50, and up 0.23% 0.23% FlexSaver/Business FlexSaver Interest Rate APY $ $9, % 0.01% $10, $24, % 0.03% $25, $49, % 0.07% $50, and up 0.18% 0.18% YouthSaver Savings Interest Rate APY $ $9, % 0.01% $10, $24, % 0.03% $25, $49, % 0.07% $50, and up 0.18% 0.18% Health Savings Account Interest Rate APY Business Interest Bearing Accounts Pro Connect Earnings Credit Interest Rate APY $ $500, % 0.20% $500, $1,000, % 0.22% $1,000, $3,000, % 0.25% $3,000, $6,000, % 0.28% $6,000, and up 0.32% 0.32% Pro Interest Checking Interest Rate APY $ $9, % 0.01% $10, $49, % 0.02% $50, $99, % 0.05% $100, $249, % 0.12% $250, and up 0.18% 0.18% Lawyers Trust Account Interest Rate APY $ $9, % 0.01% $10, $49, % 0.02% $50, $99, % 0.05% $100, $249, % 0.12% $250, and up 0.18% 0.18% Business Money Market Interest Rate APY $ $9, % 0.02% $10, $49, % 0.08% $50, and up 0.23% 0.23% Sweep Repurchase Agreements Government Backed Sweep Interest Rate APY $ $24, % 0.01% $25, $49, % 0.01% $50, $99, % 0.03% $100, and up 0.05% 0.05% Pro Sweep Interest Rate APY $ $24, % 0.03% $2, $49, % 0.05% $50, $99, % 0.07% $100, and up 0.25% 0.25% $ $ % 0.01% $ $4, % 0.02% $5, $14, % 0.05% $15, and up 0.15% 0.15% 6 Conversion at a Glance
Welcome to Midland States Bank. Important information about changes that affect your First National Bank accounts. Welcome Guide 1
Welcome to Midland States Bank Important information about changes that affect your First National Bank accounts. Welcome Guide 1 A little about us. I know Midland States Bank is probably not a name with
More informationWelcome. 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 informationPutting 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 informationWelcome 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 informationWelcome. 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 informationCustomer 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 informationOnline 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 informationDEPOSIT 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 informationPutting 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 informationConsumer & 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 informationHello. 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 informationQuestions 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 informationEverything 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 informationOnline Banking - Terms and Conditions
Online Banking - Terms and Conditions (updated 12/2015) Welcome to electronic banking at Capstone Bank. This Agreement and Disclosure Statement for Online Banking Services (the "Agreement") describes the
More informationWELCOME 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 informationACCOUNT 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 informationOnline Banking Agreement & Disclosure
Online Banking Agreement & Disclosure This Agreement provides information about the CITIZENS FIRST Online Banking service and contains the disclosures required by the Electronic Funds Transfer Act, as
More informationBUSINESS ACCOUNTS DISCLOSURE
BUSINESS ACCOUNTS DISCLOSURE Prime Alliance Bank Main Office 1868 So. 500 West Woods Cross, UT 84087 April 14, 2014 This disclosure contains information about terms, fees, and interest rates for some of
More informationConsumer 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 informationWe re upgrading your banking experience August 21 st 23 rd
We re upgrading your banking experience August 21 st 23 rd What you can expect before, during and after the upgrade. Banking in your best interest. myinvestorsbank.com/upgrade We re Upgrading Your Banking
More informationConversion 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 informationWelcome. 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 informationWelcome to Midland States Bank
Welcome to Midland States Bank Welcome Guide. Important information about changes that affect your Heartland Bank accounts. Table of Contents 1 A little about us. 4 Personal Checking 6 Personal Savings
More informationSincerely, 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 informationConversion 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 informationBill Payment and Electronic Funds Transfer Service Agreement
ab Bill Payment and Electronic Funds Transfer Service Agreement For more information Call ResourceLine, our interactive voice response telephone unit, 24 hours a day, 7 days a week at 800-762-1000, Option
More informationWelcome. 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 informatione Z Want it? To use ezapps you ll first need to register for ezbanking and you can find those steps in the previous ezbanking section.
ezsuite ebanking Services In addition to our Commercial Services products, we have a full range of electronic services available to small businesses and individuals. If you currently use a similar Bank
More informationListed below are several key points of interest concerning your banking relationship:
October 7, 2014 Dear Valued Customer: On June 20, 2014, Landmark Bank, N.A. assumed the deposits and essentially all of the assets of Valley Bank. We have been diligently working on merging the two operating
More informationWelcome. 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 informationWe re upgrading your banking experience August 21 st 23 rd
We re upgrading your banking experience August 21 st 23 rd What you can expect before, during and after the upgrade. Banking in your best interest. myinvestorsbank.com/upgrade We re Upgrading Your Banking
More informationBank of America Branch Conversion Customer FAQs Updates to this document will be made accordingly following September 12, 2014.
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
More informationwelcome 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 informationPERSONAL PRODUCTS - ONLINE ACCOUNT OPENING AND WEBSITE
PERSONAL PRODUCTS - ONLINE ACCOUNT OPENING AND WEBSITE Community Bank and Trust of Florida P.O. Box 1570 Ocala, FL 34478 Welcome to Community Bank and Trust of Florida. The following disclosures are included
More informationU.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 informationWelcome to Bank of the West!
Welcome to Bank of the West! Please keep these important documents with your Deposit Account Disclosure booklet and retain them for future reference. Schedule of Fees and Charges for Personal Deposit Accounts...Page
More informationKey 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 informationWelcome to Bank of the West!
Welcome to Bank of the West! Please keep these important documents with your Deposit Account Disclosure booklet and retain them for future reference. Schedule of Fees and Charges for Personal Deposit Accounts...Page
More informationProviding 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 informationPersonal Banking. Hancock Connect Checking
Personal Banking Hancock Connect Checking More Than A Checking Account. Peace Of Mind. With a Hancock Connect Checking account, you get access to many convenient banking channels, enhanced security features
More informationFREQUENTLY 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 informationDEPOSIT ACCOUNT DISCLOSURE
DEPOSIT ACCOUNT DISCLOSURE FIRST NATIONAL BANK OF LAYTON Main Office P.O. Box 248 12 South Main Street Layton, UT 84041 February 18, 2015 Thank you for your interest in a First National Bank of Layton
More informationmaintain a minimum balance of $750.00 in the account each day to obtain the disclosed annual percentage yield.
MASTER DISCLOSURE 1 ALLIANCE BANK COCHRANE BRANCH 103 S. MAIN STREET P.O. BOX 69 COCHRANE, WI 54622-0069 October 2, 2015 This disclosure contains information about terms, fees, and interest rates for some
More informationYour 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 informationWELCOME 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 informationELECTRONIC NOTICES DISCLOSURE AND CONSENT. Please read this document before accessing Online Banking Services.
ELECTRONIC NOTICES DISCLOSURE AND CONSENT Please read this document before accessing Online Banking Services. YOU UNDERSTAND AND INTEND THAT YOUR CLICKING ON THE I AGREE BUTTON BELOW SHALL OPERATE AS AN
More informationWe encourage you to keep this Agreement for your records. If you have any questions, please contact a Customer Service Representative.
Internet Banking Terms and Conditions Agreement This Agreement describes your rights and obligations as a user of the Internet Banking Service or the Bill Payment Service ("Service" or "Services"). It
More informationWelcome. guide WELCOME GUIDE
Welcome guide WELCOME GUIDE 1 Welcome! Welcome to Bank of North Carolina! We are excited to welcome all Harrington Bank customers to Bank of North Carolina. While you may not yet be familiar with Bank
More informationPersonal Deposit Accounts Fee & Information Schedule
Personal Deposit Accounts Fee & Information Schedule June 1, 2015 Contact Us www.bankbac.com Customer Service Department (877) 226-5820 Monday-Friday: 8am - 6pm Saturday: 9am - 12pm BAC Community Bank
More informationDEPOSIT ACCOUNT TERMS AND CONDITIONS AND PRIVACY POLICY
DEPOSIT ACCOUNT TERMS AND CONDITIONS AND PRIVACY POLICY Note that the privacy policy applies to all personal accounts, not just deposit accounts. WELCOME TO M&T A GUIDE TO THE TERMS OF YOUR PERSONAL DEPOSIT
More informationSAME 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 informationGet 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 informationELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES
ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Electronic Fund Transfers we are capable of handling are indicated below, some of which may not apply to your account. Direct Deposits you
More informationWe 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 informationWelcome 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 informationCasey State Bank Online Banking Agreement and Disclosure
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
More informationBank to Bank Transfer Application
MEMBER FDIC EQUAL HOUSING LENDER Bank to Bank Transfer Application I am applying for authorization to transfer funds between my Blackhawk Bank checking/savings account(s) and my checking/savings account(s)
More informationWELCO M E G U IDEBOO K 1
WELCOME GUIDEBOOK 1 Welcome to Armstrong Bank! We are excited to be joining the River Valley and Northwest Arkansas Communities, and we hope you share in our excitement. At Armstrong Bank, we strive to
More information800.325.2265 stbank.com. Annual Percentage Yield
800.325.2265 stbank.com S&T Bank Deposit Rates (Effective February 3, 2016 through February 9, 2016) Growth/Income CD Time Deposits Available for amounts up to $500,000 Opening Balance (Please see Footnote
More informationCASTLE ROCK BANK ONLINE BANKING AGREEMENT AND DISCLOSURE
CASTLE ROCK BANK ONLINE BANKING AGREEMENT AND DISCLOSURE This Online Banking Agreement and Disclosure ("Agreement") describes your rights and obligations as a user of the Online Banking service or the
More informationMIDDLESEX SAVINGS BANK ONLINE BANKING AGREEMENT
MIDDLESEX SAVINGS BANK ONLINE BANKING AGREEMENT 1. Online Banking This Agreement made between you and Middlesex Savings Bank (the "Bank") governs the use of Online Banking services (the "Service"). The
More information"You" and "your" mean the account holder(s) and anyone else with authority to deposit, withdraw, or exercise control over the funds in the account.
FIRST BANK KANSAS Information about Electronic Fund Transfers The Electronic Fund Transfer Act and Regulation E require banks to provide certain information to customers regarding electronic fund transfer
More informationWelcome to Charter One Online
Welcome to Charter One Online The online banking services of First National Bank, GreatBank and GreatBank Chicago will be changed over to Charter One Online as of Monday, April 30, 2007. As a result of
More informationWelcome 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 informationMountain West Bank Business E-Z Switch Kit 800-641-5401 MOUNTAINWESTBANK.COM
Mountain West Bank Business E-Z Switch Kit MOUNTAIN WEST BANK SWITCH KIT FOR SMART BUSINESSES Save your business money with E-Z Switch from Mountain West Bank. No financial institution is better positioned
More informationElectronic Fund Transfers Initiated By Third Parties. Preauthorized credits. Preauthorized payments. Electronic check conversion.
Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and
More informationPrairie State Bank & Trust ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES
Prairie State Bank & Trust ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Electronic Fund Transfers Prairie State Bank & Trust (referred to as Bank, we, our, or us ) is capable of handling
More informationELECTRONIC SERVICES AGREEMENT
ELECTRONIC SERVICES AGREEMENT Electronic Disclosure and Consent To the extent that you have given your e-sign consent, if such consent is required, you agree to receive this covering consumer online banking
More informationELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES
ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Electronic Fund Transfers we are capable of handling for consumers are indicated below some of which may not apply your account Some of these
More information"Business days" mean Monday through Friday. Holidays are not included.
Iroquois Federal Services & Prices Effective 08-06-15 ONLINE ACCESS AGREEMENT AND ELECTRONIC FUNDS TRANSFER ACT DISCLOSURE AGREEMENT - This Agreement, which includes the fee, is a contract which establishes
More informationFollow these easy steps to apply for an account by mail:
Follow these easy steps to apply for an account by mail: 1. All information is required unless otherwise indicated. Federal law requires all financial institutions to obtain, verify, and record information
More informationOnline Banking Requirements Listed in detail under the Access heading within the Personal Online Banking Agreement.
Clover Community Bank esign Agreement Personal Online Banking is electronic access to your accounts at Clover Community Bank. In order to participate in this convenient and secure service, please review
More informationIMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from. State Bank 25 North Chestnut Ave New Hampton, IA 50659-0070 (319)352-6000
IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from State Bank 25 North Chestnut Ave New Hampton, IA 50659-0070 (319)352-6000 ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Indicated below
More informationADDENDUM TO THE DEPOSIT ACCOUNT DISCLOSURE AND SCHEDULE OF FEES AND CHARGES For Personal Accounts (All States*) Effective April 13, 2015
ADDENDUM TO THE DEPOSIT ACCOUNT DISCLOSURE AND SCHEDULE OF FEES AND CHARGES For Personal Accounts (All States*) Effective April 13, 2015 This Addendum, together with the applicable Schedule of Fees and
More informationWelcome 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 informationOnline Banking Agreement
Online Banking Agreement If you would like to have a paper copy of this Agreement sent to you, please send us an e-mail at netteller@usbhazen.com. This Netteller Online Banking Agreement (this Agreement
More informationImportant 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 informationE-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 informationWelcome 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 informationFAST & EASY TeleCHIEF Phone Banking is quick and simple to use. To begin TeleCHIEF, follow these step-by-step instructions.
SAFE & SECURE TeleCHIEF transactions can only be authorized with your account number and Personal Identification Number (PIN), selected by you. You must also complete and sign the attached application
More informationOnline Banking Agreement
Online Banking Agreement The Online Banking Agreement (Agreement) states the terms and conditions for OneWest Bank's Online Banking services. In this Agreement, "you", "your", and "yours" refer to the
More informationA Simple How-To Guide for Your Banking Needs
A Simple How-To Guide for Your Banking Needs Keep this guide handy to help you quickly access Quorum s online, mobile, and automated telephone services. Our network of 84,000 ATMs is 3x bigger than most
More informationONLINE BANKING DISCLOSURE/AGREEMENT
ONLINE BANKING DISCLOSURE/AGREEMENT Rev 4/10 YOUR ACCEPTANCE OF THESE TERMS OF USE - ONLINE BANKING ("ONLINE BANKING TERMS") Meridian Bank requires all visitors who access its Online Banking to follow
More informationPersonal 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 informationWelcome Packet. The official merger date of ILWU-FSC FCU and ILWU Credit Union is February 1, 2016. 866.445.9828 www.iiwucu.org
Welcome Packet The official merger date of ILWU-FSC FCU and ILWU Credit Union is February 1, 2016. Table of Contents Welcome to ILWU Credit Union page... 1 Important dates for you to know... 2 Explore
More informationCUSTOMER 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 informationWelcome 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 informationIMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from
IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from First Security Bank of Deer Lodge 311 Milwaukee Ave P.O. Box 629 Deer Lodge, MT 59722 (406)846-2300 ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES
More informationFirst Federal Bank Online Banking Terms and Conditions Agreement Online Banking Service Business Online Banking Service Bill Payment Mobile Banking
First Federal Bank Online Banking Terms and Conditions Agreement Online Banking Service Business Online Banking Service Bill Payment Mobile Banking First Federal Bank s Online Banking is available to all
More informationWelcome to Premier Bank
Welcome to Premier Bank Local People. Local Decisions. Ronceverte Office 124 Cedar Street PO Box 457 Ronceverte, WV 24970 (304) 647-4500 Welcome to the Premier Bank Family! Recently, we were pleased to
More informationACCOUNT DISCLOSURES & FEE SCHEDULE BUSINESS BANKING
ACCOUNT DISCLOSURES & FEE SCHEDULE BUSINESS BANKING Information about Our Business Deposit Accounts/Disclosure on Account Terms This disclosure describes many important features and terms of some of our
More informationIntegrity Bank Deposit Rates (Effective October 21, 2015 through October 27, 2015)
Integrity Bank Deposit s (Effective October 21, 2015 through October 27, 2015) Growth/Income CD Time Deposits Available for amounts up to $500,000 (Please see Footnote 1 for disclosure.) 7 days to 31 days
More informationChecks NEW DEBIT CARD AND CHECKS HSA INVESTMENTS. Fees and Interest Rates Please see enclosed Explanation of HSA Bank
HSA Bank PO Box 939 Sheboygan, WI 53082-0939 July 31, 2015 Name Address City, State Zip Dear Name, As previously communicated, we, HSA Bank, a division of Webster Bank, N.A., purchased J.P. Morgan s Health
More informationS&T Bank Deposit Rates (Effective September 30, 2015 through October 6, 2015)
800.325.2265 stbank.com S&T Bank Deposit s (Effective September 30, 2015 through October 6, 2015) Growth/Income CD Time Deposits Available for amounts up to $500,000 (Please see Footnote 1 for disclosure.)
More informationCHECKING ACCOUNT TYPES
CHECKING ACCOUNT DISCLOSURE This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer. CHECKING ACCOUNT TYPES ValueAccess Checking with BaZing Rate Information:
More informationDear Great Southern Bank of Buffalo Customer,
Dear Great Southern Bank of Buffalo Customer, It is our pleasure to welcome you as a future Old Missouri Bank customer! We are excited about the opportunity to do business with you and are looking forward
More informationSignature Advantage Checking. $25,000 or more None $24,999.99 or less $25.00
Minimum Daily Total Deposit Balance Signature Advantage Checking $25,000 or more None $24,999.99 or less $25.00 - Minimum Opening Deposit: $00 - Minimum Total Deposit Balance: The sum of balances in the
More informationWelcome to. Bridgewater Bank. Your Guide To The Merger
Welcome to Bridgewater Bank Your Guide To The Merger Founded By, Funded By and Focused on Entrepreneurs. Welcome to Bridgewater Bank Welcome Letter From Jerry Baack Q & A Personal Banking Features Business
More informationBILL PAYMENT AND PRESENTMENT TERMS & CONDITIONS FOR ORANGE COUNTY'S CREDIT UNION ELECTRONIC SERVICES DISCLOSURE AND AGREEMENT
BILL PAYMENT AND PRESENTMENT TERMS & CONDITIONS FOR ORANGE COUNTY'S CREDIT UNION ELECTRONIC SERVICES DISCLOSURE AND AGREEMENT In this disclosure and agreement, the words "I", "me", "my", "us", "they",
More informationBoiling Springs Savings Bank Online Banking Access Agreement
Boiling Springs Savings Bank Online Banking Access Agreement I. Introduction II. Accessing Your Boiling Springs Savings Bank Accounts through Online Banking A. Requirements B. Electronic Mail (E-mail)
More information