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Transcript of Welcome to Fidelity Bank & Trust · PDF file Fidelity Company Fidelity Bank & Trust...

  • Welcome to

    Merger Information Fidelity Bank & Trust

  • TABLE OF CONTENTS TABLE OF CONTENTS

    WELCOME

    DATES TO REMEMBER

    WHAT TO EXPECT

    ONLINE BANKING

    BANKING SERVICES

    CLUBS

    HOW YOUR ACCOUNT WILL TRANSFER

    FDIC INSURANCE/NOTICE OF SERVICING TRANSFER

    SCHEDULE OF FEES

    LOCATIONS

    IMPORTANT INFORMATION ABOUT YOUR ACCOUNT

    ADDITIONAL QUESTIONS? If you have questions, you may continue to call your local bank office. After October 14th, call 800-403-8333 and a Customer Service Representative will have the answers you are looking for.

    EMAIL US Email us with any questions at [email protected]

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    8-11

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    14-16

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    18-19

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    21-42

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  • Change. In the banking world, it can mean two things – change can simply mean coins as a form of currency; change can mean new ways a bank takes care of you.

    Community State Bank and Fidelity Bank & Trust are making changes that will add up for you.

    As of October 14, 2019 Community State Bank will merge into Fidelity Bank & Trust. This merger expands the footprint of your bank into eastern Iowa, southwest Wisconsin and western Illinois, giving you 33 locations and over 250 bankers who are ready and interested in helping you.

    The merger of Community State Bank to Fidelity Bank & Trust will offer new products and services for our customers. Debit card transactions will post immediately, mortgage products will have more options, transactions at the branch will be post the same day, and we will have a new and updated online banking service. Customers have been asking for these updates and we will have them for you soon!

    Thank you for your loyalty to Community State Bank. Thank you for trusting, in advance, that Fidelity Bank & Trust has your best interest in mind. Thank you for your patience as we merge our environments. Thank you for your continued conversation with the familiar Community State Bank staff you’ve come to know as we look forward to serving you.

    As we welcome you to Fidelity Bank & Trust, let this guide be a resource for you. We know this may not answer every question you might have, but we’re ready to help make this transition an easy one for you. Please contact Community State Bank at 563-886-6155 or stop by your local bank should you have questions. We are pleased to speak with and work with you.

    Thank you for allowing us the opportunity to be your bank.

    Sincerely,

    Jim Kennedy, Jr. Dan Zitelman Glenn Hay President President & CEO President & CEO Fidelity Company Fidelity Bank & Trust Community State Bank

    WELCOME TO FIDELITY BANK & TRUST

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  • DATES TO REMEMBER WEDNESDAY, OCTOBER 9, 2019 Business Online Banking ACH transactions must be completed by 2:00 p.m., for effective date of Thursday, October 10th. No ACH batches will be processed for Friday, October 11th or dates in the future from the current system.

    FRIDAY, OCTOBER 11, 2019 All Community State Bank branches will be open normal business hours. Mobile Deposits require submission by 2:00 p.m. All transactions prior to 6:00 p.m. will post on the same business day. Your Online and Mobile banking will be unavailable after 2:00 p.m. Remove the Community State Bank app from your device(s) and download the Fidelity Bank & Trust app. You will be able to access Fidelity Bank & Trust’s Online and Mobile Banking at 8:00 a.m., Monday, October 14th.

    Please know that your Community State Bank debit card will continue to work throughout the weekend at point of sale terminals and ATMs.

    SATURDAY, OCTOBER 12, 2019 Community State Bank branches will be closed for business.

    MARK THE DATE Monday, October 14th the merger is complete

    OCT

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    ENJOY ALL THE SAME PRODUCTS AND CONVENIENCES YOU HAD WITH COMMUNITY STATE BANK ALONG WITH MANY MORE EXCITING UPGRADES AND TECHNOLOGIES.

    SUNDAY, OCTOBER 13, 2019 Sunday evening the Community State Bank website will be redirected to Fidelity Bank & Trust.

    MONDAY, OCTOBER 14, 2019 All bank locations will open as Fidelity Bank & Trust! You may resume your Online and Mobile Banking at 8:00 a.m. Please refer to pages 8 & 9 of this book- let for detailed information about how to access Online and Mobile Banking.

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  • Account Numbers: In most cases, account number(s) will remain the same. Account numbers identified as duplicates have been resolved prior to the merger. Customers notified of a duplicated account number should properly destroy their previous checks by bringing them to the bank to be shredded.

    Community State Bank Personal and Business Checks: You may use your existing Community State Bank checks until further notice. On your next order, please contact your local office if you need assistance. If you order checks through a different vendor, you will need to provide the Fidelity Bank & Trust routing number, 073914398.

    Automatic Deposits and Payments: Direct Deposit, ACH, and auto-payments should continue to occur without interruption. All new automatic deposits and payments set up after October 14th, will require the Fidelity Bank & Trust routing number: 073914398.

    Statements: Your account statement is sched- uled to print on Friday, October 11th. This may be a partial-month statement, depending on when your statement is typically printed. E-statement custom- ers will receive a one-time paper statement for this processing period. Balance requirement service charges will be waived for this cycle. Future checking account statements will print on one of the following dates: 4th, 15th, or end of month. Your Fidelity Bank & Trust statements will print around the same time as you are accustomed to.

    WHAT TO EXPECT

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  • Your Community State Bank Debit Card: Your debit card will continue to work as normal. On Monday morning, October 14th, you may experience a 10 minute outage as we update your card to Fidelity Bank & Trust. You will receive a new Fidelity Bank & Trust debit card when your card expires or needs replacement. Your Community State Bank debit card limits will also carry over until a new card is issued. You will enjoy the conveniences of real-time balances and extended end of day cutoff times for deposits. Over the counter and mobile deposits will now be accepted through the end of the business day for same day credit.

    Your Community State Bank Credit Card: Continue to use your Community State Bank credit card as usual. When your card expires, you will be issued a new Fidelity Bank & Trust credit card with the same terms as your current card.

    WHAT TO EXPECT

    THANK YOU FOR ALLOWING US THE OPPORTUNITY TO

    BE YOUR BANK

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  • ONLINE BANKING FOR PERSONAL ACCOUNTS

    Online and Mobile Banking will be unavailable beginning at 2:00 p.m. Friday, October 11th. Remove the Community State Bank app from your mobile device. Be sure to download any statements and/or transactions you wish to archive prior to this date.

    Visit www.bankfidelity.bank on PC, click on ONLINE BANKING LOGIN and enter current Community State Bank username. On your mobile device, visit the app store to download the app by searching for “bankfidelity”

    2 Enter your temporary passcode on the all-new passcode screen. Your temporary passcode is the last 4 digits of your social security number.

    o Change your passcode – 10 character passcodes are required and must include at least one upper case and lowercase alpha (A-Z and a-z), one numeric (0-9), and one special character. Never share your passcode, protect it as you would your ATM PIN.

    Read and accept a new user agreement(s).

    LOGIN AUTHENTICATION At future logins, you may be required to submit additional

    authentication. For this reason, you will be required to enter your email and phone number.

    CRITICAL

    INFORMATION

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    You may sign in to Fidelity Bank & Trust Online Banking in a few simple steps by personal computer or mobile app.

    AFTER 8:00 A.M. MONDAY, OCTOBER, 14:

    PERSONAL ONLINE BANKING

    INFORMATION PAGE 8-9

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  • ONLINE BANKING HISTORY After October 14, 2019, you will build up to three months of deposit and check history.

    E-STATEMENTS Customers love the ease and access of e-statements! In the coming weeks after the merger, your e-statement library will include 18 months of history.

    BILL PAY PAYEES AND PAYMENTS Your current payees and scheduled payments will transfer to the new system.

    ONLINE BANKING RECURRING TRANSFERS Internal and External recurring transfers within online banking scheduled to transfer after October 14th will not process. Recurring transfers will need to be set up again on Fidelity Bank & Trust’s online banking after October 14th.

    QUICKEN® USERS Fidelity Bank & Trust uses Intuit® Web Connect. Customers that download transactions into Quicken® will need to start in Online Banking and download to Quicken®. Instructions to re-enable can be found at www.bankfidelity.bank.

    MOBILE DEPOSITS With our Mobile Deposits option, you can deposit checks from your smartphone or mobile device using our mobile app.

    QUICK MOBILE ACCESS Don’t have