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

Size: px
Start display at page:

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

Transcription

1 Welcome to M&T. We look forward to serving you. A guide to your personal accounts.

2 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 Bank and where to find more information. Everyday Convenience 8 13 Branches and ATMs M&T Telephone Banking Debit and ATM Cards M&T Web Banking M&T Web Bill Pay Electronic Statements Your New M&T Accounts Personal Checking Accounts Personal Savings and Money Market Accounts Certificates of Deposit (CDs) Retirement Accounts Lending Services This guide provides an overview of your accounts and services at M&T Bank, including the changes that will take place at conversion. For detailed information about the terms governing your deposit accounts at M&T Bank after the conversion date, please refer to the enclosed Deposit Account Terms and Conditions and Privacy Policy booklet. RP

3 3 Look Forward With M&T We are pleased to welcome you to M&T Bank a financial partner you can rely on now and in the years ahead. We re here to help you look forward to the future with confidence. Here are some of the many reasons we think you ll like it here: Extra convenience: More branches and ATMs, enhanced online and telephone banking services, and all the services you need, all in one place Great account choices: Bringing you features and benefits designed for the way you bank today, and helping you to build financial security for the long run Responsive, professional service: Throughout the transition and beyond... plus sound planning to help you meet the financial challenges of today and tomorrow Strength and stability: M&T consistently ranks as one of the strongest and best-managed banks in the nation For your convenience, we ve designed this package to make it fast and easy for you to find information you need about the transfer of your accounts and services to M&T. The Customer Highlights section on pages 4 7 is a great place to start. If you have questions, we re here to assist you. Just call us at Monday Friday, 6am 9pm ET Saturday Sunday, 9am 5pm ET Or visit us anytime at We look forward to bringing you the resources and services you want, now and for many years to come.

4 PAY TO THE ORDER OF MEMO Any Office Office 123 ANYSTREET RD. ANYTOWN, CITY DATE DOLLARS Security Features Included Details on Back MP 4 Customer Highlights A summary of information about the transition to M&T TOPIC CONVERSION HIGHLIGHTS PROVIDENT BANK ( PROVIDENT ) IS BECOMING PART OF M&T BANK ( M&T ) Provident branches and ATMs will soon begin to serve you under the M&T name Your accounts at Provident Bank will convert to similar accounts on M&T systems ACTION STEP: See the enclosed letter for the actual conversion date and the names of your new accounts at M&T. YOUR DEPOSIT ACCOUNTS ARE SAFE AND SECURE AT M&T REST EASY: Your deposit accounts will transfer automatically to M&T. There s nothing you need to do Your direct deposit will continue without interruption Your deposits will continue to be FDIC-insured up to the maximum applicable limits Your CDs and Retirement CDs will continue with the same term and interest rate features through the first maturity on or after the conversion date COMING SOON: MORE BRANCHES AND ATMS For now, simply bank as usual After the conversion date, you ll have access to more than 800 M&T branches and 1800 M&T ATMs in six states and Washington, DC, with more than 300 branches and 740 ATMs in the Baltimore-Washington corridor ACCOUNT NUMBERS Checking accounts: Most checking accounts will continue to have the same account number. If your account number will change, you ll receive separate notification Savings, Money Market accounts, CDs, Retirement Accounts, Loans and Lines of Credit and Mortgages: New account numbers will be mailed to you. You may also use the account number look-up tool at mtb.com/provident after the conversion date USING YOUR CHECKS DELUXE WALLET OR DUPLICATE SAFTEY PAPER ANY CUSTOMER $ 1234 Checking, Savings and Money Market accounts: You can use your current supply of checks and deposit slips. The next time you reorder checks through M&T, your new supply will be printed with the M&T logo and routing and transit number. If you currently have checks for your account and your account number is changing, we will send a new supply of checks to you Health Savings accounts (HSAs): If you currently have checks for your HSA, we will send a new supply of checks to you Personal Lines of Credit and Home Equity Lines of Credit: You ll receive new M&T checks, printed with your new account number, shortly after conversion. Please destroy your Provident checks and begin to use these as soon as they arrive. Provident checks already written will be honored for a limited time Questions? Simply call or visit RP

5 5 TOPIC CONVERSION HIGHLIGHTS NEW DEBIT AND ATM CARDS Replacement Card: If you use a Provident Bank debit card or ATM card today, you ll be mailed a similar type of card from M&T shortly before conversion. M&T Check Cards will carry the VISA logo GOOD NEWS: Same 4-digit PIN: You can continue to use the same Personal Identification Number (PIN) with your new card. You will receive a separate mailing to remind you of your PIN. New Card Number and Expiration Date: Your new number will appear on your new M&T card ACTION STEP: If you currently use your card for automatic deductions or recurring payments to a third party (such as a health club or Internet service provider), please provide your new card number and expiration date to your payees to avoid interruption of your payments. Activation: Please read the information accompanying your card about when to activate and use your new card Changes and Enhancements: See pages in this guide, as well as the Deposit Account Terms and Conditions and Privacy Policy booklet, for more information FREE ONLINE BANKING AND BILL PAY (For converting Provident deposit accounts) New Features and Benefits: With M&T Web Banking and M&T Web Bill Pay, you ll enjoy a new level of convenience It s Easy to Enroll: Just use your activated M&T Check Card or your M&T ATM card with your current PIN to enroll on or after the conversion date. Your converted accounts will be available to you When You Enroll: Your payee information and bill payment history will be available to you automatically at M&T ACTION STEP: Please print your account activity prior to the conversion date because your Provident account activity will not transfer. See the Important Dates section of the enclosed letter to find out more. For More Information: See pages of this guide See the Important Dates section of the enclosed letter See the separate mailing that will be sent to all registered users of online banking at Provident Bank 24-HOUR TELEPHONE BANKING 24-Hour Automated Access: You will continue to enjoy convenient automated access to your accounts at any time Personal Assistance: This service is available seven days a week For More Information: See page 9 of this guide

6 6 Customer Highlights A summary of information about the transition to M&T TOPIC CONVERSION HIGHLIGHTS ACCESS TO YOUR ACCOUNTS DURING CONVERSION WEEKEND ACCOUNT STATEMENTS CHECK IMAGES OVERDRAFTS ACTION STEP: See the enclosed cover letter for a helpful day-to-day schedule ( Important Dates ) You ll see when and how you can access your account by ATM, telephone and online Checking, Savings and Money Market Accounts: Two statements will be mailed to you during the month of conversion One from Provident Bank, covering the period from the last statement date to the conversion date, including transactions and any interest earned for the period The second from M&T Bank, covering the period from the conversion date to your next regular statement date Future statements from M&T will arrive on approximately the usual schedule CD accounts: You will receive a final statement from Provident Bank as of the conversion date. CD interest will be accrued but not posted After conversion, statements will no longer be issued except when a CD is linked to a checking account or if your account is a CDARS CD; however, you will receive CD maturity notices Retirement accounts: You will receive annual statements plus a supplemental statement for contributions made between January 1 and April 15 for the prior year A special conversion statement will not be sent Combined Statements at M&T may include deposit accounts plus one line of credit account. Loans, mortgages, investments and retirement accounts are not included Electronic Statements: When you sign up for M&T Web Banking, you ll have the option to request free electronic statements for your M&T accounts Check Images: If you currently receive your canceled checks or images of your canceled checks, then images of your canceled checks will be included with your monthly checking statement at no charge. Check images will also be available online for your M&T transactions for up to three months and are available for checking, savings, and money market accounts. Canceled checks are not returned with statements Check Safekeeping: If you now have this service, it will continue automatically at M&T and M&T will retain copies of your paid checks Checking accounts at M&T may be linked to one account for overdraft protection. This account may be either a savings or a money market account, or a line of credit account Provident checking accounts currently linked to eligible overdraft protection accounts will generally continue to be linked as they are today. If you have both a savings or money market account and a line of credit account linked for overdraft protection, only the line of credit will continue to be linked Insufficient Funds (NSF): Fees will apply when an account is overdrawn. Please refer to the enclosed Deposit Account Terms and Conditions and Privacy Policy booklet for more information Questions? Simply call or visit RP

7 One M&T Plaza, Buffalo, New York John H Smith 123 Anystreet Avenue City, State Zip Presorted Standard Mail U.S. Postage 7 TOPIC CONVERSION HIGHLIGHTS WIRE TRANSFERS AND ACH TRANSACTIONS SEE THE ENCLOSED DEPOSIT ACCOUNT TERMS AND CONDITIONS AND PRIVACY POLICY BOOKLET FOR You will need to use M&T Bank s routing and transit number as of the conversion date for all incoming and outgoing electronic payments to and from your account. This number is: ACTION STEP: NOTE: Please notify anyone who sends incoming or outgoing payment instructions to or from your account of this new routing and transit number and any change to your account number. Health Savings Account holders must refer to the HSA conversion materials for the unique routing and transit number for HSAs. This information will be mailed separately. Terms and Conditions governing your deposit accounts at M&T as of the conversion date, including account agreements, applicable fees and charges, interest calculations, funds availability, and more. Please note that deposit accounts converting to M&T from Provident Bank may differ in some ways from standard deposit accounts opened at M&T before, at, or after the conversion date Privacy Policy: If you wish to opt out of information sharing at M&T, you must do so at M&T on or after the conversion date, even if you have opted out at Provident. After conversion, just call us at or visit our website at and click on the Privacy link ADDITIONAL MAILINGS PAID M&T Bank WATCH YOUR MAIL: Separate mailings will be sent to you if you have: A new account number Online banking and bill pay A Debit or ATM Card Investment accounts* A Coverdell Education Savings Account A Health Savings Account A Keogh Plan *Brokerage services are provided by M&T Securities, Inc. (member FINRA/SIPC), not by M&T Bank. Strong and growing. M&T Bank (Manufacturers and Traders Trust Company) is one of the nation s most highly regarded and well-managed regional banks Our parent company is M&T Bank Corporation, with assets of over $65.8 billion as of December 31, M&T Bank Corporation ranks among the top 20 bank holding companies in the United States in asset size We were founded over 150 years ago, and built on a tradition of service, reliability and personal attention to our customers needs We remain committed to the financial futures of the communities we serve. M&T is the leading SBA lender in the greater Baltimore area, and has a strong history of civic and community support

8 8 More banking convenience Branches and ATMs M&T Telephone Banking Debit and ATM Cards M&T Web Banking M&T Web Bill Pay Electronic Statements Every Minute Counts We understand that saving time is important to you. And that s why we re making your banking faster and easier than ever before. M&T offers a new level of convenience so you can manage your accounts anytime, anywhere. Plus, you have our commitment to service excellence... so you can be sure that your transactions are both accurate and secure. We look forward to welcoming you at your M&T branch, as well as serving you by ATM, phone and online. Welcome to M&T... where your convenience is our priority, every minute of every day. RP

9 9 Everyday Convenience Branches and ATMs Branches Look for the M&T sign: On the conversion date, Provident Bank will become part of M&T Bank and Provident Bank branches and ATMs will change to the M&T Bank name. You ll continue to be served by the same team of banking professionals, who are joining the M&T family After conversion, you can bank at more than 800 M&T branches and 1800 ATMs in: Maryland Delaware Washington, DC New York State Virginia Pennsylvania West Virginia Visit and click on Branches & ATMs at the top of the page to find the branch or ATM nearest you M&T Bank ATM Tips ATM deposits: To ensure timely processing of your deposit transactions, please be sure to include a deposit slip in your ATM deposit envelope Cut-off time: The daily cut-off time (change of business day) for ATM deposit acceptance will change, and may occur as early as noon New features: ATMs will have a number of new features, such as mini-statements. Just follow the prompts on your ATM screen NOTE: The following ATM plans will not be available after conversion: MoneyPass Annual foreign ATM fee plan M&T Telephone Banking Center Call Toll-Free: hour Automated Access to Your Accounts Secure access: Use your M&T account number and follow the simple prompts Services available to you: Get account information and history (based on transactions posted) Transfer funds between linked M&T accounts Make a stop payment request Order checks or deposit slips Change your PIN (Personal Identification Number) And more Plus, there is no charge to speak with our representatives. Information on brokerage accounts is available by calling M&T Securities, Inc. at , option 1. Personal Service Seven Days a Week Customer service: If you would like personal service with your accounts or transactions, we are here to assist you during these hours: Monday Friday, 6am 9pm ET Saturday and Sunday, 9am 5pm ET New accounts: Our account representatives can help you choose a new M&T Bank account that s right for you. Representatives are available: Monday Friday, 8am 8pm ET Saturday, 9am 3pm ET

10 10 Everyday Convenience Debit and ATM Cards New Bank Card from M&T If you currently have a Provident Bank debit card (Debit MasterCard ) or Provident Bank ATM card to access your deposit accounts, it will be replaced by a new card from M&T Bank as follows: Current Provident Bank Card Provident MasterMoney Debit Card (Debit MasterCard ) Provident Bank Gold Card (Debit MasterCard ) Provident Bank ATM Card New M&T Bank Card M&T Check Card (Visa Debit Card) M&T Gold Check Card (Visa Debit Card) M&T ATM Card Ravens Check Card: If you have asked a Provident representative for an M&T Ravens Check Card for use after conversion, you will receive the Ravens card as your replacement card (provided we receive your request in time to process it). Please note that the Ravens Check Card is not a Gold Card, and it is covered by the terms and conditions of the M&T Check Card Your New M&T Card will have the same four-digit Personal Identification Number (PIN) as before The M&T Check Card can be used at ATMs, and for purchases wherever VISA debit cards are accepted. Purchases you make with your M&T Check Card are deducted directly from your linked checking account The M&T ATM Card can be used at ATMs, as well as to make purchases at participating merchants, using your four-digit PIN Transaction Limits: There are new limits on the number and dollar amount of transactions you may make during a single day with your M&T Card. For more information about transaction limits, please refer to the enclosed Deposit Account Terms and Conditions and Privacy Policy booklet Card Transaction Fees: Transaction fees are listed in the enclosed Deposit Account Terms and Conditions and Privacy Policy booklet Linked Accounts: At M&T you may have up to four checking, four savings and two line of credit accounts linked to a single card. You will receive a list of the accounts linked to your card when you receive your new card Extra Security: When you use your M&T Check Card on the Internet, enjoy added security through Verified by Visa. For more information or to enroll, visit after the conversion date Online and Telephone Banking: Your card also gives you secure 24-hour access to M&T Web Banking and Telephone Banking, by identifying you and your account relationship For More Information: See the Important Dates section of the enclosed letter See the enclosed Deposit Account Terms and Conditions and Privacy Policy booklet for terms and fees that apply to use of your card See the information that will be enclosed with your new card WATCH YOUR MAIL: If you currently have a Health Savings Account Card at Provident, you will receive a separate mailing with detailed information about the transition to M&T. Provident Bank Gift Cards will continue to work under existing terms and conditions until they expire or funds on the card are depleted Get great rewards for your everyday purchases. See page 11 to find out more. RP

11 11 Provident Power Points If you are currently enrolled in Provident Power Points, you can continue to earn Power Points until the conversion date For your convenience, you will be able to redeem any unused Power Points through August 31, 2009 by visiting the existing redemption website before the conversion date or going to after the conversion date Any Power Points that are not redeemed by August 31 will expire If you are enrolled in Provident Power Points, you will automatically be pre-enrolled in M&T Bank Visa Extras. (See Enrolling in Visa Extras for more information) M&T Bank Visa Extras Rewards for Your Everyday Purchases As an M&T customer, you re eligible for Visa Extras, a rewards program that lets you earn points for everyday purchases made with your M&T Check Card* Redeem points for gift certificates and gift cards from leading merchants, travel, hotel and entertainment rewards, and much more Best of all, there s NO FEE to participate Earning Points is Easy Once your M&T Check Card is enrolled, you will automatically start earning points with every qualifying purchase that you make** Learn More You can learn more by visiting to review M&T Bank Visa Extras benefits and Terms and Conditions Enrolling in Visa Extras Enrolling in Visa Extras is easy, just follow the steps described below that are applicable to you. If you are currently enrolled in Provident Power Points: Your new M&T Check Card will be automatically pre-enrolled in Visa Extras You will begin earning Visa Extras points with the first qualifying purchase that you make with your activated M&T Check Card Visit and follow the online instructions to complete your enrollment and begin managing your Visa Extras account If you are not currently enrolled in Provident Power Points: You can enroll your new M&T Check Card in Visa Extras as soon as you activate it To enroll your new card, visit and follow the online instructions to enroll your card and begin managing your Visa Extras account Once your card is enrolled, you will earn Visa Extras points for all qualifying purchases NOTE: Be sure you activate your new M&T Check Card by following the instructions enclosed with your card before visiting *Only Visa check cards issued to residents of the United States and in good standing may be eligible to participate in Visa Extras. Additional exclusions of cards may apply. **A qualifying purchase is any signature-based purchase, Internet purchase, phone or mail order purchase, or automatic bill payment made with an enrolled Visa card, and processed through the Visa U.S.A. Inc. network. Do not use a PIN when paying for your purchases with your enrolled Visa card if you want to earn points. We reserve the right to determine in our sole discretion whether a particular Visa card transaction is a qualifying purchase. For more information regarding qualifying purchases, visit and review the Terms and Conditions.

12 12 Everyday Convenience M&T Web Banking M&T Web Bill Pay Your current payee information will be transferred to M&T Schedule payments to virtually anyone in the U.S. Schedule single payments up to a year in advance Set up recurring payments to be sent automatically at regular intervals, based on the instructions you provide Get up-to-the-minute account information, including balances and transaction history, view check and statement images, transfer funds and more... anytime, anywhere It s FREE, fast, easy and secure WATCH YOUR MAIL: ACTION STEP: If you currently use Provident Online Banking, you will receive a separate mailing with more detailed information about how to enroll. See the Important Dates section of the enclosed letter for a calendar of when you should discontinue use of Provident Online Banking and transfer to M&T Web Banking and M&T Bill Pay. Visit to try it out by viewing the M&T Web Banking interactive demo You ll see some new features, for both M&T Web Banking and M&T Web Bill Pay. For details, see the separate letter that will be sent to you M&T Mobile Sign up for M&T Mobile, our text message based mobile banking service, once you ve enrolled in M&T Web Banking Simply click on the Enroll in M&T Mobile link at the top of your Account Summary screen and you ll be ready to get started For more information on how M&T Mobile works, please visit M&T continually works to enhance our mobile service. We will notify you when new features become available RP

13 DELUXE WALLET OR DUPLICATE SAFTEY PAPER DELUXE WALLET OR DUPLICATE SAFTEY PAPER PAY TO THE ORDER OF Any Office Office MEMO ANY CUSTOMER 123 ANYSTREET RD. ANYTOWN, CITY DATE PAY TO THE ORDER OF Any Office Office MEMO ANY CUSTOMER 123 ANYSTREET RD. ANYTOWN, CITY DATE $ $ DOLLARS DOLLARS Security Features Included Details on Back MP Security Features Included Details on Back MP 13 Electronic Statements Receive your statements online for free instead of through the mail it s safer and more secure. You can streamline your paperwork, reduce clutter and protect the environment Electronic statements look just like your paper statements and you can view, print and save them right to your computer You can have access to up to 24 months of electronic statements for your M&T accounts, and up to three months of M&T check images /21/2009 thru 05/18/2009 ANYHIM A. CUSTOMER ANYHER T. CUSTOMER 123 MAIN STREET ANYTOWN USA Summary of Accounts Checking & Savings How an M&T Web Bill Payment is Made SATURDAY SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY Weekday payment example Submit an ASAP payment request before midnight Money is removed from account Electronic payments should be delivered within 2 business days Paper payments should be delivered within 4 business days Weekend payment example Submit an ASAP payment request anytime over the weekend before midnight Money is removed from account Electronic payments should be delivered within 2 business days Paper payments should be delivered within 4 business days Please allow 4 business days for the first payment to a new payee.

14 14 Your new M&T accounts Personal Checking Accounts Personal Savings and Money Market Accounts Certificates of Deposit (CDs) Retirement Accounts Lending Services A Note About Your New M&T Accounts We want you to be happy with the service and value you receive as a customer of M&T Bank. That s why we ve taken great care to transfer your existing Provident accounts to the M&T accounts that can offer similar features and benefits to you. You ll see that we ve also waived the standard monthly service fees for most deposit accounts for at least the first two monthly service charge cycles, to give you time to become familiar with your new deposit accounts, to make sure they re right for you. If you prefer another M&T account that you believe may be a better match for your needs, just call us or visit your branch after the conversion date and we ll make it fast and easy for you to switch. Welcome to M&T... a new level of value for all your financial needs. RP

15 15 Personal Checking Accounts For the name of your new account at M&T, see the inside of the enclosed letter. YOUR NEW M&T ACCOUNT BALANCE REQUIREMENTS AND MONTHLY SERVICE FEES OTHER IMPORTANT INFORMATION M&T TOTALLY FREE CHECKING No minimum balance requirement No monthly service fee No per-check charge Accounts with no activity for 90 days (starting any time after conversion) will convert to an M&T First account M&T DIRECT CHECKING The monthly service fee will be waived for two monthly service charge cycles Afterward, no monthly service fee with: Direct deposit, or $1,500 combined average daily balances in M&T Direct Checking and linked Relationship Savings and M&T Personal Savings, or Automatic deduction of your M&T mortgage payment Otherwise, a $5.95 monthly service fee will apply This account does not earn interest M&T SELECT WITH INTEREST Preferred rates, free standard check orders and more The monthly service fee will be waived for three monthly service charge cycles Afterward, no monthly service fee with: $5,000 minimum average daily balance in this account, or $10,000 combined balance in this account plus linked personal checking, savings, money market accounts, CDs, IRAs, installment loans, home equity loans, personal lines of credit, as well as eligible investments* (except retirement investments). Some business owners deposit accounts may also be linked to this account to meet balance requirements, or M&T mortgage with an original loan amount of $100,000 or more Otherwise, a $14 monthly service fee will apply We won t charge you for transactions at non-m&t ATMs in the U.S. We ll rebate up to $2 of other banks ATM transaction fees for up to four non- M&T ATM transactions you make in any monthly service charge cycle. (Rebates do not apply to accounts maintained at M&T branches in Pennsylvania) Free standard checks, or 50% discount on designer checks Your personal and business accounts can work together to help you avoid monthly service fees *M&T Securities, Inc. (member FINRA/SIPC), is a member of the M&T Investment Group. Brokerage services are offered by M&T Securities, Inc., not by M&T Bank. NOTE: If your account at M&T will be an Employee M&T Select With Interest account, please refer to the Deposit Account Terms and Conditions and Privacy Policy booklet for information about your account. For more information, see the enclosed Deposit Account Terms and Conditions and Privacy Policy booklet

16 16 Personal Checking Accounts For the name of your new account at M&T, see the inside of the enclosed letter. YOUR NEW M&T ACCOUNT BALANCE REQUIREMENTS AND MONTHLY SERVICE FEES OTHER IMPORTANT INFORMATION M&T CLASSIC CHECKING WITH INTEREST Extra value for customers age 50 or more No minimum balance requirement No monthly service fee Free check image return 50% discount on standard check orders RELATIONSHIP CHECKING WITH INTEREST Available only to those customers converting to this account The monthly service fee will be waived for three monthly service charge cycles Afterward, no monthly service fee with: $1,000 average daily balance, or $2,500 combined average daily balance in this account and linked checking, savings and money market, or $7,500 combined average daily balance in this account plus all of your other personal deposit accounts and the outstanding balance of loans linked to the account Otherwise, a $10 monthly service fee will apply ($8 for customers with direct deposit) Your account includes free standard checks Three free non-m&t ATM transactions per monthly service charge CHECKING A special value for college students No minimum balance requirement No monthly service fee Four free non-m&t ATM transactions per monthly service charge cycle We ll rebate up to $2 of other banks ATM transaction fees for up to four non-m&t ATM transactions you make in any monthly service charge Checking accounts will convert automatically to M&T Direct Checking five years after the date of opening This account does not earn interest WORK CHECKING Special benefits through your workplace The monthly service fee will be waived for two monthly service charge cycles Afterward, no monthly service fee with: Direct deposit to the account, or Automatic deduction of your M&T mortgage payments from the account Otherwise, a $10 monthly service fee will apply Five free non-m&t ATM transactions per monthly service charge cycle This account does not earn interest RP

17 17 YOUR NEW M&T ACCOUNT BALANCE REQUIREMENTS AND MONTHLY SERVICE FEES OTHER IMPORTANT INFORMATION POWER CHECKING The monthly service fee will be waived for three monthly service charge cycles Afterward, no monthly service fee if you maintain: $50,000 combined balance in this account plus linked personal checking, savings, money market accounts, CDs, IRAs, installment loans, home equity loans, personal lines of credit, as well as eligible investments* (except retirement investments). Some business owners deposit accounts may also be linked to this account to meet balance requirements, or An M&T Bank mortgage with an original loan amount of $200,000 or more Otherwise, a $24 monthly service fee will apply No transaction fee for non-m&t ATM transactions We ll rebate up to $2 of other banks ATM transaction fees for up to 15 non- M&T ATM transactions you make in any monthly service charge cycle Free standard checks, or 50% discount on designer checks HEALTH SAVINGS ACCOUNT (HSA) Save money for health care costs The monthly service fee will be waived for six monthly service charge cycles Afterward, no monthly service fee with direct deposit, or $1,000 minimum daily balance Otherwise, a $5 monthly service fee will apply Investment options are available to accounts with balances of $3,000 or more You will receive HSA conversion materials and a welcome letter from M&T with additional conversion-related information including funding and account access information For more specific HSA conversion-related information, please call MTB-HSA1 or visit our website ACTION STEP: Be sure to review the HSA conversion materials and the welcome letter when you receive them in the mail *M&T Securities, Inc. (member FINRA/SIPC), is a member of the M&T Investment Group. Brokerage services are offered by M&T Securities, Inc., not by M&T Bank. For more information, see the enclosed Deposit Account Terms and Conditions and Privacy Policy booklet

18 18 Personal Savings and Money Market Accounts For the name of your new account at M&T, see the inside of the enclosed letter. YOUR NEW M&T ACCOUNT BALANCE REQUIREMENTS AND MONTHLY SERVICE FEES OTHER IMPORTANT INFORMATION M&T STARTER SAVINGS (for those under 18 years old) No minimum balance requirement No monthly service fee Quarterly statements If you have a Provident passbook, you can continue to use your passbook after conversion for your personal records ACTION STEP: Please be sure to visit your usual branch to update your passbook before conversion RELATIONSHIP SAVINGS (for Provident College Student and Bank at Work Savings Account holders and Provident Statement Savings Account 18 years and older) The monthly service fee will be waived for two monthly service charge cycles Afterward, no monthly service fee with: A linked M&T checking account, or $250 minimum daily balance Otherwise, a $5 monthly service fee will apply Four free withdrawals per monthly statement cycle. $1 per excess withdrawal Quarterly statements (monthly if combined with checking) RELATIONSHIP SAVINGS (for Provident Passbook Savings Account holders 18 years and older) The monthly service fee will be waived for six monthly service charge cycles Afterward, no monthly service fee with: A linked M&T checking account, or $250 minimum daily balance Otherwise, a $5 monthly service fee will apply Four free withdrawals per monthly statement cycle. $1 per excess withdrawal Monthly statements You can continue to use your Provident passbook after conversion for your personal records ACTION STEP: Please be sure to visit your usual branch to update your passbook before conversion RP

19 19 YOUR NEW M&T ACCOUNT BALANCE REQUIREMENTS AND MONTHLY SERVICE FEES OTHER IMPORTANT INFORMATION M&T E-MONEY MARKET No minimum balance requirement No monthly service fee Four free withdrawals per monthly statement cycle. $1 per excess withdrawal Monthly paper statements (electronic statements available if you enroll) PREFERRED SAVINGS Available only to those customers who are converting to this account The monthly service fee will be waived for two monthly service charge cycles Afterward, no monthly service fee with a $2,500 minimum daily balance Otherwise, an $8 monthly service fee will apply, plus a $1 fee for withdrawals in excess of four per month Monthly statements (quarterly if your account at Provident is a CDARS settlement account) NOTE: CDARS Settlement accounts will have no minimum balance requirements and no monthly service charges will be assessed M&T MARKET ADVANTAGE Money market rates, compounded daily The monthly service fee will be waived for two monthly service charge cycles Afterward, no monthly service fee with a $2,500 minimum daily balance Otherwise, a $10 monthly service fee will apply, plus a $1 fee for withdrawals over four per service charge cycle Monthly statements For more information, see the enclosed Deposit Account Terms and Conditions and Privacy Policy booklet

20 20 Certificates of Deposit (CDs) REST EASY: The interest rate terms, maturity date and other features of your account will remain the same until its first maturity date on or after the conversion date. IF THIS IS YOUR PROVIDENT BANK ACCOUNT ON THE CONVERSION DATE IT WILL RENEW AUTOMATICALLY AT ITS NEXT MATURITY ON OR AFTER THE CONVERSION DATE AS AN M&T BANK: UPON THE FIRST MATURITY ON OR AFTER THE CONVERSION DATE: FIXED-RATE CERTIFICATE OF DEPOSIT UPGRADEABLE CD AUTOMATICALLY RENEWABLE REGULAR TIME DEPOSIT Account will renew automatically as a fixed-rate CD for the same or nearest term at the then-current interest rate for that term. Penalties may apply for early withdrawals ADD-ON CERTIFICATE OF DEPOSIT (including No-Penalty) AUTO SAVE CD AUTOMATICALLY RENEWABLE ADD ON TIME DEPOSIT Account will renew automatically as a 12-month Add On CD under the terms of M&T Bank, at the then-current interest rate. Penalties may apply for early withdrawals NOTES: At maturity, these accounts will be governed by the account terms and conditions of M&T Bank. Plus, the grace period will be extended to ten days M&T will report interest for tax purposes based on interest accrued through year-end regardless of when interest is credited If you have a CDARS CD that matures on or after the conversion date, it will NOT automatically renew at maturity. At maturity, all funds in that account will be deposited into your CDARS settlement account and will remain in the settlement account until you take further action If you have a Jumbo CD that matures on or after the conversion date, it will NOT automatically renew at maturity. At maturity, the balance in the account will cease to earn interest and will remain in the account uninvested until you take further action For more information, see the enclosed Deposit Account Terms and Conditions and Privacy Policy booklet RP

21 21 Retirement Accounts REST EASY: Retirement CD account holders: The interest rate terms, maturity date, distribution schedule and other features of your retirement account CD will remain the same until its first maturity on or after the conversion date. IF THIS IS YOUR PROVIDENT BANK ACCOUNT ON THE CONVERSION DATE AT CONVERSION: ADDITIONAL INFORMATION: CD ACCOUNT FOR A: TRADITIONAL IRA ROTH IRA SEP IRA OR KEOGH PLAN (i.e., A PROFIT SHARING OR MONEY PURCHASE PLAN) The interest rate terms, maturity date, distribution schedule and other features of your CD will remain unchanged until its next maturity date Your account will automatically renew at its next maturity date on or after the conversion date as a FIXED-RATE CD for the same or nearest term at the then current interest rate for that term for an Automatically Renewable Individual Retirement Account or Automatically Renewable Retirement Account, as applicable Accounts are non-contributory, meaning that additional deposits to the account are not allowed except at maturity or during a grace period Your interest rate may not be adjusted after your account renews as an M&T account MONEY MARKET ACCOUNT FOR A: TRADITIONAL IRA ROTH IRA SEP IRA OR KEOGH PLAN (i.e., A PROFIT SHARING OR MONEY PURCHASE PLAN) Your account will become an M&T MARKET ADVANTAGE (IRA OR RETIREMENT PLAN) ACCOUNT Earns a variable rate of interest NOTE: If you have a Coverdell Education Savings Account, you will receive a separate mailing. For more information, see the enclosed Deposit Account Terms and Conditions and Privacy Policy booklet

22 22 IRA Distributions NOTE: REST EASY: If you currently have a Keogh Plan at Provident Bank, we will contact you separately about your plan. If you currently have scheduled distributions from your IRA, Roth IRA or SEP IRA, they will continue without interruption. TOPIC NEW FEATURES AT M&T This information applies to all IRAs including Traditional IRAs, Roth IRAs and SEP (Simplified Employee Pension) IRAs. FREQUENCY OF PAYMENTS Distributions from your retirement account will be paid with the same frequency and in the same manner as before Distributions will be mailed to your primary address only PRIORITY OF DISTRIBUTION PAYMENTS Scheduled distributions from your retirement plan will be made first from the deposit account in the plan that pays the lowest interest rate until all funds in that account have been distributed Other distributions will be accommodated at the discretion of M&T MINIMUM DISTRIBUTION Each distribution from your IRA must be at least $100 If you are currently receiving amounts less than $100, we will increase your distribution to $100 DISTRIBUTION ELECTION If you have scheduled distributions from your retirement plan, this schedule will continue The amount of your required minimum distribution (RMD) calculated at the beginning of a year will not be automatically adjusted if you take an unscheduled distribution If you are over age and have not established an automatic scheduled distribution from your Traditional IRA or SEP IRA, M&T BANK WILL NOT MAKE ANY DISTRIBUTION TO YOU UNLESS WE RECEIVE WRITTEN AUTHORIZATION WITH YOUR DISTRIBUTION ELECTION RP

23 One M&T Plaza, Buffalo, New York John H Smith 123 Anystreet Avenue City, State Zip Presorted Standard Mail U.S. Postage 23 TOPIC NEW FEATURES AT M&T This information applies to all IRAs, including Traditional IRAs, Roth IRAs and SEP (Simplified Employee Pension) IRAs. UPON RENEWAL OF A CD ON OR AFTER THE CONVERSION DATE Unscheduled distributions from a fixed-rate, noncontributory retirement account CD may incur an early withdrawal penalty This penalty will not apply to scheduled distribution payments ADDITIONAL INFORMATION PAID M&T Bank If you currently have a Traditional, Roth or SEP IRA at Provident, please see the enclosed M&T Bank Individual Retirement Trust Account Agreement and Roth Individual Retirement Trust Account Agreement and Disclosure Statements that will govern these accounts, from and after the conversion date For more specific retirement account information, please call WATCH YOUR MAIL: You will receive information in a separate mailing to update your beneficiary designation For additional information, see the enclosed Deposit Account Terms and Conditions and Privacy Policy booklet and the retirement account disclosures

24 24 Lending Services NOTE: If you currently have a home equity line of credit, personal line of credit, home equity loan or installment loan, it will convert automatically to M&T. ACCOUNT TYPE ACCOUNT NUMBER INFORMATION CONVENIENT ACCESS HOME EQUITY LINES OF CREDIT New account number. Your current Provident Bank account number will change to a new account number at M&T. You will be notified of your new account number in a separate mailing and with your first statement Your can also find your new account number by visiting and using the account number lookup tool ACTION STEP: If you currently use a Bill Pay Service outside of Provident Bank to make your payments, please be sure to update your information with your new M&T account number Account access methods. You can continue to access your Home Equity Line of Credit by check, at your branch, and through M&T Web Banking You will receive new M&T checks in the mail. Please destroy your remaining Provident checks at that time If you use a Provident MasterCard to access your Home Equity Line of Credit, this access will be replaced by utilizing your M&T Check Card to access available funds that you have transferred from your Home Equity Line of Credit to your M&T checking account using the transfer services available through M&T Web Banking PERSONAL LINES OF CREDIT (Including Overdraft Protection) INSTALLMENT AND HOME EQUITY LOANS New account number. Your account will be assigned a new account number, which will appear on your future statements from M&T If you have an overdraft line of credit at Provident Bank, your new account number will be different from your checking account number You can find your new account number by visiting and using the account number lookup tool ACTION STEP: If you currently make payments through an account outside of Provident Bank, please be sure to update your information with your new M&T account number New account number. Your loan account will be assigned a new account number at M&T, which you will receive in a separate mailing ACTION STEP: If you currently use a Bill Pay Service outside of Provident Bank to make your payments, please be sure to update your information with your new M&T account number Enhanced access methods. If you have a personal line of credit, you will be mailed new M&T checks to use for advances from your account. Please destroy your remaining Provident Bank checks as of the conversion date You will be able to access your line at your branch, M&T ATMs, through M&T Web Banking and by telephone If your line of credit is linked to an M&T checking account for overdraft protection, your line will now transfer funds in exact dollar amounts, as opposed to $100 increments Access options not available for these types of loans NOTE: Provident Bank credit cards will not transfer to M&T. The account will remain according to the terms of your cardholder agreement with GE Money. RP

25 25 REST EASY: PAYMENT INFORMATION The current interest rate, terms and fee structure of your account will remain in effect at M&T. If your account has a variable rate, it will be adjusted based on the same formula as before. Payment due date. Payments will be due on a fixed date each month 25 days after your cycle date. If you have separate fixed-rate loan segments within your Home Equity Line of Credit, you will receive one statement for the fixed and variable rate segments with the same payment due date Payment methods. Your payments may be made at a branch, by transfers through M&T Web Banking, at ATMs, by telephone, through automatic deduction from a checking or savings account or by mail. If payments are made by mail, starting on the conversion date, please address them to: M&T Bank P.O. Box Baltimore, MD Payment due date. Payments will now be due approximately 25 days after your first cycle date Monthly statement. If your line of credit is linked to an M&T checking account for overdraft protection, you will receive a separate statement for your overdraft line, which will be included in your checking account statement envelope Payment methods. Your payments may be made at a branch, by transfers through M&T Web Banking, at ATMs, by telephone, through automatic deduction from a checking or savings account or by mail. If payments are made by mail, starting on the conversion date, please address them to: M&T Bank P.O. Box Baltimore, MD New coupon payment book. A new coupon payment book printed with your new M&T account number will be mailed to you shortly after conversion for use in making your payments unless you make your payments through automatic deductions. If you have a Ground Lease, you will continue to receive bi-annual payment notices Payment methods. Your payments may be made at a branch, by transfers through M&T Web Banking, at ATMs, by telephone, through automatic deduction from a checking or savings account or by mail. If payments are made by mail, starting on the conversion date, please address them to: M&T Bank P.O. Box Baltimore, MD Adjustable rate installment loans. As of the conversion date, whenever the interest rate on your adjustable rate installment loan changes (based on a corresponding change in the pricing index for your account) your monthly loan payment will be recalculated Secured loans. Loans secured by deposits must be paid in full before deposit holds are released Note About Automatic Payment of Personal Loans and Lines of Credit Including Home Equity Loans and Lines of Credit Payments from an account at M&T Bank: If you make payments to your loan or line of credit account through automatic deduction from a Provident Bank deposit account that s also converting to M&T, your automatic payments will continue as before, without interruption Important Note: Payments will be deducted automatically only for the exact amount due/billed in a given month and only when there are sufficient funds in the funding deposit account at the time the payment is due. Only one attempt to deduct the payment will be made. If there are insufficient funds at that time, no payment will be made for that billing period. Payments from an account at another financial institution: If your payments are deducted automatically from an account at another financial institution, this arrangement will continue after conversion. To make your automatic payment through M&T Bank, please visit any M&T branch or call the M&T Telephone Banking Center. If you would like to open a new checking or savings account with us, please visit your branch, and we ll make it easy to switch your automatic payments, too

26 26 For more information: Monday Friday, 6am 9pm ET Saturday Sunday, 9am 5pm ET Or visit us anytime at All The Services You Need At M&T, there are many new account choices available to you. These include checking and savings accounts for every stage of life, flexible loans and lines of credit to meet your borrowing needs, and investments and insurance* to help you build a secure financial future. To find out more, just call us at , or visit your branch after the conversion date. You can also find more online at We look forward to helping you make the choices that are right for you... and working with you to build financial security for a lifetime. *M&T Investment Group SM is a service mark of M&T Bank Corporation and consists of M&T Securities, Inc., the investment related areas of M&T Bank and investment advisory firms MTB Investment Advisors, Inc. and Zirkin-Cutler Investments, Inc. Brokerage services and insurance products are offered by M&T Securities, Inc. (member FINRA/SIPC), not by M&T Bank. M&T Securities, Inc. is licensed as an insurance agent and acts as agent for insurers. Insurance policies are obligations of the insurers that issue the policies. Insurance products may not be available in all states. RP

27

28 Questions? If you have questions, please call , visit or visit any M&T branch. We will be happy to assist you. Welcome. We look forward to serving you. RP Member FDIC 2009 Manufacturers and Traders Trust Company

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

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

DEPOSIT ACCOUNT TERMS AND CONDITIONS AND PRIVACY POLICY

DEPOSIT 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 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. 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. 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

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

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

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

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

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

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 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

Welcome to Cape Cod Five. Please use this helpful guide to learn more about the transition to your new Cape Cod Five accounts.

Welcome to Cape Cod Five. Please use this helpful guide to learn more about the transition to your new Cape Cod Five accounts. Welcome to Cape Cod Five Please use this helpful guide to learn more about transition to your new Cape Cod Five accounts. Welcome Cape Cod Five is is here for for you you today and and every every day.

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

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

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

TRUTH IN SAVINGS DISCLOSURE. Strong. Stable. Local. Personal.

TRUTH IN SAVINGS DISCLOSURE. Strong. Stable. Local. Personal. TRUTH IN SAVINGS DISCLOSURE Strong. Stable. Local. Personal. MAY 2015 THIS TRUTH IN SAVINGS DISCLOSURE BOOKLET includes information you need to know about deposit accounts at 1st Source Bank. It notes

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

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

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

WELCOME to Metro. Your Guide to Membership

WELCOME to Metro. Your Guide to Membership WELCOME to Metro Your Guide to Membership WELCOME TO METRO! A Letter from the CEO Dear Valued Member: We are happy to report that the merger between Metro Credit Union and Malden City Employees Credit

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

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 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

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

Checks NEW DEBIT CARD AND CHECKS HSA INVESTMENTS. Fees and Interest Rates Please see enclosed Explanation of HSA Bank

Checks 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 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

Dear Great Southern Bank of Buffalo Customer,

Dear 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 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

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

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

Personal Banking. Welcome to Provident Bank! We re teaming up to offer you more.

Personal Banking. Welcome to Provident Bank! We re teaming up to offer you more. Personal Banking Welcome to Provident Bank! We re teaming up to offer you more. Count on great personal service, important new opportunities, and an expanded team by your side. When your Team Capital Bank

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

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

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

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

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

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

Marketplace Addendum

Marketplace Addendum Marketplace Addendum Effective May 20, 2014 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

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

Signature Advantage Checking. $25,000 or more None $24,999.99 or less $25.00

Signature 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 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

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

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 Bank of the West!

Welcome 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 information

How To Convert To M&T Bank

How To Convert To M&T Bank CONSUMER DEPOSIT ACCOUNT TERMS AND CONDITIONS WELCOME TO M&T A GUIDE TO THE TERMS OF YOUR PERSONAL DEPOSIT ACCOUNTS This section includes information about the names and features of your deposit accounts

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

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

Switch Kit. Banking the way it ought to be

Switch Kit. Banking the way it ought to be The LNB is just one more way LNB is working to make your life simpler. It s easy follow the 5 simple steps and you ll be banking the way it ought to be in no time! Banking the way it ought to be Switching

More information

DEPOSIT ACCOUNT DISCLOSURE

DEPOSIT 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 information

Switch Kit. Banking the way it ought to be

Switch Kit. Banking the way it ought to be The LNB is just one more way LNB is working to make your life simpler. It s easy follow the 5 simple steps and you ll be banking the way it ought to be! Banking the way it ought to be Switching has never

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

TRUTH IN SAVINGS DISCLOSURE

TRUTH IN SAVINGS DISCLOSURE TRUTH IN SAVINGS DISCLOSURE TABLE OF CONTENTS TERMS AND CONDITIONS TRUTH IN SAVINGS DISCLOSURE...... 2 BALANCE COMPUTATION METHODS. 2 DAILY BALANCE METHOD. 2 AVERAGE DAILY BALANCE METHOD. 2 AVAILABLE BALANCE..

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 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

DEPOSIT PRODUCTS & SERVICES

DEPOSIT PRODUCTS & SERVICES 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

More information

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

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

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

Personal Deposit Accounts Fee & Information Schedule

Personal 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 information

maintain a minimum balance of $750.00 in the account each day to obtain the disclosed annual percentage yield.

maintain 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 information

Getting to know your Account the basics

Getting to know your Account the basics This Deposit Account Disclosure and Bank Fee Schedule and the Deposit Account Agreement for Personal and Business Accounts ( Agreement ) are part of the Deposit Account Agreement that governs your Account

More information

June 30, 2015. <Name> <Address 1> <Address 2> <City>, <State> <Zip> Important changes to your Checking account coming August 3 rd.

June 30, 2015. <Name> <Address 1> <Address 2> <City>, <State> <Zip> Important changes to your Checking account coming August 3 rd. June 30, 2015 , Important changes to your Checking account coming August 3 rd Dear Member, As part of the integration of HealthOne into New England Federal

More information

Welcome to 1880 Bank. We ll see you through. A guide to new products and services. Proudly serving the Eastern Shore since 1880

Welcome to 1880 Bank. We ll see you through. A guide to new products and services. Proudly serving the Eastern Shore since 1880 Welcome to 1880 Bank A guide to new products and services Proudly serving the Eastern Shore since 1880 We ll see you through Welcome! Contents Merger Highlights One of the oldest locally operated banks

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 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

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

Switch Kit. Welcome Home to Sicily Island State Bank! Wade Thompson CEO & EVP Sicily Island State Bank

Switch Kit. Welcome Home to Sicily Island State Bank! Wade Thompson CEO & EVP Sicily Island State Bank Switch Kit Our goal at Sicily Island State Bank is to give our customers personal service in all we do. We all have busy lives, so here at Sicily Island State Bank, we are always looking for ways to make

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

HIGH YIELD CHECKING. EXPLANATION OF SOME OF OUR KEY SERVICES AND CHARGES Here are details about High Yield Checking services.

HIGH YIELD CHECKING. EXPLANATION OF SOME OF OUR KEY SERVICES AND CHARGES Here are details about High Yield Checking services. EXPLANATION OF SOME OF OUR KEY SERVICES AND CHARGES Here are details about High Yield Checking services. KEY ACCOUNT TERMS AND CHARGES: Monthly Service Charge: No monthly service charge. Includes free

More information

FREQUENTLY ASKED QUESTIONS

FREQUENTLY ASKED QUESTIONS Welcome to Georgia United! Below you ll find answers to commonly asked questions. Our goal is to ensure that the transition process is seamless for you. If at any time you would like more information,

More information

w w w. B a n k F i r s t N a t i o n a l. c o m

w w w. B a n k F i r s t N a t i o n a l. c o m Switch Kit Making the switch is easy! For Better Banking, Think First. w w w. B a n k F i r s t N a t i o n a l. c o m Make the switch to Bank First National in just four easy steps! We want to make your

More information

First Citizens' Federal Credit Union 200 Mill Road, Suite 100 PO Box 270 Fairhaven, MA 02719 508-999-1341 www.firstcitizens.org

First Citizens' Federal Credit Union 200 Mill Road, Suite 100 PO Box 270 Fairhaven, MA 02719 508-999-1341 www.firstcitizens.org First Citizens' Federal Credit Union 200 Mill Road, Suite 100 PO Box 270 508-999-1341 www.firstcitizens.org YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUND TRANSFER DISCLOSURE For purposes of this disclosure

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

Managing Your Checking Account

Managing Your Checking Account 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

More information

THIS AGREEMENT CONTAINS PROVISIONS FOR BINDING ARBITRATION AND WAIVER OF JURY TRIAL (SEE "ARBITRATION AGREEMENT" UNDER ACCOUNT AGREEMENT).

THIS AGREEMENT CONTAINS PROVISIONS FOR BINDING ARBITRATION AND WAIVER OF JURY TRIAL (SEE ARBITRATION AGREEMENT UNDER ACCOUNT AGREEMENT). This booklet was prepared for the customers of The Provident Bank who have accounts and services that will be transferred to OceanFirst Bank according to the information included in the accompanying booklet.

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

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

Welcome to Bank of the West!

Welcome 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 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

Integrity Bank Deposit Rates (Effective October 21, 2015 through October 27, 2015)

Integrity 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 information

TRUTH-IN-SAVINGS DISCLOSURE

TRUTH-IN-SAVINGS DISCLOSURE TRUTH-IN-SAVINGS DISCLOSURE LAST DIVIDEND DECLARATION DATE: 762015 The rates, fees and terms applicable to your account at the Credit Union are provided in this Truth-in-Savings Disclosure. The Credit

More information

e 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.

e 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 information

Bank 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. 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 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

Interest Checking Earn interest on higher checking balances and pay no monthly service fee as long as minimum balance is maintained. $100.

Interest Checking Earn interest on higher checking balances and pay no monthly service fee as long as minimum balance is maintained. $100. Today, more than ever, managing your personal finances can be a challenging experience whether it s covering your day-to-day living expenses, buying a home, or saving for your retirement. At BankFinancial,

More information

BankAmericard Privileges with Cash Rewards Program Rules

BankAmericard Privileges with Cash Rewards Program Rules BankAmericard Privileges with Cash Rewards Program Rules It s simple: Cash back on every purchase. Use your card for everyday spending and put your purchases to work for you and redeem for cash back. There

More information

TRUTH IN SAVINGS AGREEMENT AND DISCLOSURE

TRUTH IN SAVINGS AGREEMENT AND DISCLOSURE TRUTH IN SAVINGS AGREEMENT AND DISCLOSURE ESSENTIAL CHECKING ACCOUNT deposit $50 to open this account. BENEFITS CHECKING Rate Information Your interest rate and annual percentage yield may change. Frequency

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 to SchoolsFirst Federal Credit Union

Welcome to SchoolsFirst Federal Credit Union Welcome to SchoolsFirst Federal Credit Union This guide will help you understand how your All Valley FCU accounts will be transitioning over to SchoolsFirst FCU. In the coming weeks, look for a guide on

More information

Dear Valued Customer,

Dear Valued Customer, Dear Valued Customer, First and foremost, I would like to thank you for entrusting us with your banking needs. As you may have already heard National Bank of Southwest Florida will soon be operating under

More information

PO Box 8300 Columbus, MS 39705. (662) 434-6052 (800) 434-6052 Fax: (662) 434-8406 www.trianglefcu.com

PO Box 8300 Columbus, MS 39705. (662) 434-6052 (800) 434-6052 Fax: (662) 434-8406 www.trianglefcu.com PO Box 8300 Columbus, MS 39705 (662) 434-6052 (800) 434-6052 www.trianglefcu.com ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement is the contract which covers

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

Fee Schedule: Personal Products & Services

Fee Schedule: Personal Products & Services Fee Schedule: Personal Products & Services California Georgia Tennessee October 1, 2014 For use with Account Agreement and Disclosures An Important Message Effective October 1, 2015, we will make changes

More information

Congratulations on opening a

Congratulations on opening a Congratulations on opening a Health Savings Account! Let us help you manage your account easily, efficiently and securely. 05/2012 - CeB IMPORTANT! In order for us to comply with federal regulations, you

More information

Business Checking Accounts*

Business Checking Accounts* YOUR SATISFACTION MATTERS Business s* Our goal is to convert your current business checking account to a new First Niagara account with comparable features, benefits and options. If you would like to switch

More information

Small Business. Banking Reference Guide YOU RE THE BOSS, WE RE YOUR BANK. Put us to work for you. www.bankofamerica.

Small Business. Banking Reference Guide YOU RE THE BOSS, WE RE YOUR BANK. Put us to work for you. www.bankofamerica. 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

More information

S&T Bank Deposit Rates (Effective September 30, 2015 through October 6, 2015)

S&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 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