Joining Forces to Exceed Expectations. Conversion Guide

Transcription

1 Joining Forces to Exceed Expectations Conversion Guide

2 Table of Contents Community is our name, and we live it each day by exceeding expectations. More creative solutions. More focus. More support. Greater compassion. It s the best part about being a true local bank. We can get things done, strengthen businesses and drive this community to its fullest potential. Anything is possible when we work together. Welcome Letter...1 About Us...2 Conversion Weekend...3 Accounts...4 Personal Deposit Accounts...4 Personal Savings Accounts...8 Personal Loan Accounts...11 Business Deposit Accounts...12 Business Loan Accounts...15 Commercial Services...16 Community Wealth Advisors...19 A Quick Guide to Online & Mobile Banking...20 Frequently Asked Questions...22 Locations...28 Contact Us...29

3 We are excited to welcome you to Community Bank of the Chesapeake. It s our priority and privilege to provide you with a banking experience that adds tremendous value to your life and positions you for financial success and growth. As previously announced, County First Bank became Community Bank of the Chesapeake on January 1, The coming together of our two banks allows us to reach more people and businesses with creative solutions to help grow financially stronger. As a true community bank, we re vested in your success and in driving our community to its fullest potential. Same friendly faces We trust your experience with County First Bank has been a positive one and we intend to build on that. Many County First Bank employees will be joining our bank, so you will continue to see the same friendly faces who have served you well over the years and who look forward to continuing to do so. Conversion weekend During the weekend of May 4 May 7, 2018, our two banks will consolidate operations, and County First Bank customers will transition to Community Bank of the Chesapeake. About your accounts Please keep in mind that your account numbers are not expected to change. If changes are needed in the future, you will receive advance notification, and we will assist you through the process. What to expect We prepared this conversion guide to help you transition to Community Bank of the Chesapeake and to share with you a little bit about our bank, some of our more popular products and services, and our history of serving this community. In addition, you will find a conversion weekend timeline, so you know exactly what to expect, along with an FAQ section. We are grateful for the continued support of County First Bank and for the opportunity to be your banking partner. As always, we are dedicated to exceeding your expectations. William J. Pasenelli Chief Executive Officer Community Bank of the Chesapeake 1

4 About Us Founded: 1950 Markets we serve: Southern Maryland, Annapolis, Maryland and Fredericksburg, Virginia. Our locations: Annapolis (commercial lending center), Bryans Road, California, Charlotte Hall, Dunkirk, La Plata, Leonardtown, Lusby, Prince Frederick and Waldorf, Md and Fredericksburg, Va. Asset size: $1.6 billion How We Came To Be In 1950, Mr. Leo Middleton, along with some other community leaders, opened Community Bank of the Chesapeake (then Tri-County Building and Loan) in Waldorf, Maryland. Our new bank was a way for Mr. Middleton to help our neighbors and community especially after World War II, when working class families had a hard time getting the credit they needed to buy or build a home. Conversion Weekend Friday, May 4, 2018 All branches (County First Bank and Community Bank of the Chesapeake) will close at the end of business Friday, May 4, 2018 and will remain closed through conversion weekend. On Monday, May 7, 2018, all branches remaining in the network (see pg. 28) will open with normal banking hours. Throughout conversion weekend, you can use your County First Checkcard at ATMs and merchants as usual. Online and mobile banking will be available in view mode only. Monday, May 7, 2018 Going forward, all business will be conducted under the Community Bank of the Chesapeake name and operating system. All branches will open with normal business hours. Access to Online Banking, Mobile Banking, etc. will again be available, however you will need to log in to Community Bank of the Chesapeake s Online Banking, download the new app for mobile banking and activate your new cards (see pg. 21). Although our technology has evolved, and our branches have grown in number and size, the heart and soul of Community Bank of the Chesapeake remain the same. We continue to support our friends and neighbors in Southern Maryland and the Fredericksburg region with personal service, financial solutions and warm, meaningful relationships. To hear all about the ways in which we are working to make our communities better and brighter, please follow us on social media. Board of Directors: Michael L. Middleton, Chairman of the Board / William J. Pasenelli, Vice Chairman of the Board / Kimberly C. Briscoe-Tonic / James M. Burke / Gregory C. Cockerham / James F. Di Misa / M. Arshed Javaid / Louis P. Jenkins, Jr. / John K. Parlett, Jr. / Mary Todd Peterson / E. Larry Sanders, lll / James R. Shepherd / Austin J. Slater, Jr. / Joseph V. Stone, Jr. / Kathryn M. Zabriskie Executive Management: William J. Pasenelli, Chief Executive Officer / James M. Burke, President and Chief Risk Officer / Todd L. Capitani, EVP, Chief Financial Officer / Gregory C. Cockerham, EVP, Chief Lending Officer / James F. Di Misa, EVP, Chief Operating Officer / Christy M. Lombardi, EVP, Chief Administrative Officer 2 3

5 Community Bank of the Chesapeake Accounts You have certain expectations when it comes to quality, speed and service. We love exceeding them. Our personal and business banking solutions are designed to accommodate your needs and wants, while helping you reach your financial goals. Personal Deposit Accounts Our deposit accounts are tailored to your individual spending and savings preferences. Plus, they all include a free Checkcard, Online Banking, Bill Pay, Mobile Banking and e-statements. See chart below for each County First Bank deposit account and its corresponding account at Community Bank of the Chesapeake. Current County First Bank Account CFB Personal Checking New Community Bank of the Chesapeake Account Checking Direct Minimum to open $100 $100 Minimum balance to avoid monthly fee Maintenance/ monthly fee $400 minimum $7/month $300 avg. daily $5/month Earns interest No No e-statements Transactions per month Optional Free ($7/month for paper statements) CBTC Account Details $.25 per transaction if $0.40 > 5 cks / 4 dep below minimum balance in person Personal Deposit Accounts Conversion Charts Current County First Bank Account New Community Bank of the Chesapeake Account Current County First Bank Account New Community Bank of the Chesapeake Account CFB NOW Checking Checking Complete CFB Free Checking Checking Complete Minimum to open $100 $100 Minimum balance to avoid monthly fee Maintenance/ monthly fee $0 $500 avg. daily Free* $10 (no fee if you are 23 and under, or 60 and over) Earns interest No Yes e-statements Optional Free ($3/month for paper statements. Free if you are 60 and over) Transactions per month N/A Unlimited Minimum to open $1,000 $100 Minimum balance to avoid monthly fee Maintenance/ monthly fee $1,000 minimum $10 $500 avg. daily $10 (no fee if you are 23 and under, or 60 and over) Earns interest Yes Yes e-statements Transactions per month Optional $.25 per transaction if below minimum balance Personal Deposit Account Descriptions Free ($3/month for paper statements. Free if you are 60 and over) Unlimited *DD, >59, Student, Teacher, EMS, FD, Police Checking Direct This simple checking account provides access to tools like Online Banking with free Bill Pay and Checkcard. It s perfect for making purchases online and with a Checkcard. $100 minimum opening deposit Maintain $300 average to avoid $5 monthly maintenance fee Unlimited electronic debits and credits 4 5

6 Checking Complete Designed for higher volume checking customers, this account allows you to earn competitive interest on higher balances and includes access to our powerful online tools, making it easy to manage your financial life. $100 minimum opening deposit Maintain $500 average to avoid $10 monthly maintenance fee Service charge and does not apply if you are 23 and under, or 60 and over Money Market Accounts This account is designed for higher balances and limited withdrawal activity each month. Convenient Services When you manage your money well keeping a close eye on your spending and savings, paying bills on time and with ease, staying organized, and moving money as needed for better cash flow you are taking charge of your finances. Our convenient services, such as Online Banking and Checkcards, help you get the job done and steer you toward a stronger financial future. Checkcards Checkcards are a great solution for you if you do not want to be burdened with carrying around a lot of cash or checks, but still want purchases deducted straight from your checking account. Convenient and secure, checkcards are accepted everywhere MasterCard is accepted. Money Market Accounts Conversion Chart Current County First Bank Personal Account Current County First Bank Business Account New Community Bank of the Chesapeake Account Personal Online Banking Once you re enrolled in Online Banking, you ll love what you can accomplish without visiting a branch. We ve designed our online experience to be powerful and convenient, but we ve taken extra measures to ensure that it s run using the safest technology available. Minimum to open $2,500 $2,500 $2,500 Minimum balance to avoid monthly maintenance fee Maintenance/ monthly fee Interest $2,500 minimum $10 Yes, tiered rates based on balance $2,500 minimum $10.00 plus $0.15 per deposited item and per deposit slip Yes, tiered rates based on balance $2,500 minimum $7 Yes, tiered rates based on balance How to Enroll in Online Banking: If you are currently enrolled in County First Bank s Online Banking, you will be signed up automatically for this service. Upon accessing Online Banking at enter your current username in all lowercase letters. You will use the last 4 digits of your social security number or tax ID as a temporary password. If you are not currently enrolled but would like to enroll, visit after May 7 and follow the enrollment prompts. Transactions per month Transfers or withdrawals to another account of yours or to a 3rd party by means of a preauthorized or automatic transfer, telephone order or instruction, computer transfer, check, checkcard or similar order to a 3rd party are limited to 6 per month. Any over 3 will incur a $8.00 fee per item. Transfers or withdrawals to another account of yours or to a 3rd party by means of a preauthorized or automatic transfer, telephone order or instruction, computer transfer, check, checkcard or similar order to a 3rd party are limited to 6 per month. Any over 3 will incur a $8.00 fee per item. Transfers or withdrawals to another account of yours or to a 3rd party by means of a preauthorized or automatic transfer, telephone order or instruction, computer transfer, check, checkcard or similar order to a 3rd party are limited to 6 per month. Any over 6 will incur a $15.00 fee per item. With Online Banking, you can: Pay bills and keep your checkbook register online View account activity Transfer funds between your Community Bank accounts Download to your financial software (QuickBooks, Quicken, and Microsoft Money) Make payments on your Community Bank loans Create reports to help you manage your finances 6 7

7 Personal Savings Accounts Accumulate extra funds quickly and easily with our interest-earning savings accounts. Personal Savings Accounts Conversion Chart Current County First Bank Account CFB Statement Savings New Community Bank of the Chesapeake Account Statement Savings Minimum to open $200 $300 Minimum balance to avoid monthly fee Maintenance/ monthly fee Transactions permitted per month without fees $200 minimum $5/month 3 $3.00 per item over 3 Minor Savings Accounts Conversion Chart Current County First Bank Account CFB Minor Statement Savings New Community Bank of the Chesapeake Account Kids Club (Up to age 12) $300 minimum $5/month N/A New Community Bank of the Chesapeake Account Spirit Savings Minimum to open $100 $25 $100 Minimum balance to avoid monthly fee Maintenance/ monthly fee Transactions permitted per month without fees N/A $25 minimum $100 minimum N/A $5 $5 6 withdrawals, unlimited deposits 6 withdrawals, unlimited deposits 6 withdrawals, unlimited deposits Personal Savings Account Descriptions Statement Savings This solid savings account rewards you with competitive interest regardless of your balance and gives you access to free Online Banking. $300 minimum opening deposit Maintain $300 minimum to avoid $5 monthly maintenance fee Free Online Banking and ATM card Spirit Savings For students ages 13 through 18, this account gives you the opportunity to learn financial responsibility and account maintenance. $100 minimum opening deposit Maintain $100 minimum to avoid $5 monthly maintenance fee Free Online Banking and ATM card (if you are 16 and over, with approval) Kids Club Account You can help your kids learn financial principles and let them start their own real savings account. $25 minimum opening deposit Maintain $25 minimum to avoid $5 monthly maintenance fee Available for children through age 12, with a parent or guardian who opens the account. Christmas Club This account gives the gift of easy savings. Set up automatic deposits that happen when you choose, in the amounts you decide. Funds are automatically mailed to you in mid-october or can be deposited into another Community Bank of the Chesapeake account. $10 minimum opening deposit Maintain $40 minimum to avoid $5 monthly maintenance fee Requires another Community Bank deposit account 8 9

8 CDs & CDARS With a certificate of deposit (CD), your investment earns a predetermined interest rate when you leave it in the CD for the full term. CDs are insured by the FDIC up to $250,000. For those with greater than $250,000 to invest, Certificate of Deposit Account Registry Service (CDARS) allows you to invest larger sums of money and receive FDIC protection on amounts up to and even beyond $50 million. Various terms available Choose a CD solution that meets your financial goals IRAs An individual retirement account/arrangement (IRA) provides you the opportunity to invest in our savings or CD products. We offer Traditional and ROTH IRAs. Personal Loan Accounts Fund your heart s desire and do it responsibly with our personal loans that offer competitive interest rates, flexible terms and local bank lenders who want the best for you. Checkline Use this line of credit for overdraft protection and as a short-term source for emergency cash. Home Equity Line of Credit This credit line is secured by your home s equity. Use it to pay for home improvements, tuition or education costs, major purchases, or to refinance. Home Improvement Loan Finance your home improvement needs without putting up the collateral. Auto Loans Before agreeing to the finance terms at the car dealership, check with us first. We ll do our best to get you behind the wheel. Boat Loans We have boat loan rates that will put wind in your sails. Ask our lending team for help in securing a loan for your next water craft. All loans subject to credit approval

9 Business Deposit Accounts A solid business checking account is critical to your company s financial health. Our accounts are designed with the needs of businesses in mind. All include free Online Banking, business Checkcard, Bill Pay and e-statements. Business Deposit Accounts Conversion Charts Current County First Bank Account New Community Bank of the Chesapeake Account Current County First Bank Account New Community Bank of the Chesapeake Account CFB Business NOW Community Checking CFB Small Business Checking Preferred Business Checking Minimum to open $1,000 $100 Minimum to open $100 $100 Minimum balance to avoid monthly fee $1,000 minimum $500 avg. daily Minimum balance to avoid monthly fee $1,000 minimum $1,500 avg. daily Maintenance/monthly fee $10 $12 Earns interest Yes Yes Bill pay $5 Available no fee Maintenance/monthly fee $10 $12 Earns interest No No Bill pay $5 Available no fee Transactions per month $0.25 per transaction if below minimum balance 300 free ($0.25 per each additional) Transactions per month 100 free ($0.25 per each additional) 300 free ($0.25 per each additional) Current County First Bank Account New Community Bank of the Chesapeake Account Current County First Bank Account New Community Bank of the Chesapeake Account CFB Business Checking Preferred Business Checking CFB Commercial Checking Business Analysis Solutions Account Minimum to open $100 $100 Minimum balance to avoid monthly fee $2,500 minimum $1,500 avg. daily Maintenance/monthly fee $10 $12 Earns interest No No Bill pay $5 Available no fee Transactions per month $0.15 per transaction if below minimum balance 300 free ($0.25 per each additional) Minimum to open $100 $100 Minimum balance to avoid monthly fee Maintenance/monthly fee N/A $15 + activity charges if not covered by earnings credit N/A $15 + activity charges if not covered by earnings credit Earnings credit Yes Yes Bill pay $5 Available no fee 12 13

10 Business Deposit Accounts Descriptions Business Analysis Solutions Account This account is designed for high-volume businesses that want to maximize their funds to potentially offset fees with an earnings credit. Fees that can be offset by the earnings credit include: Checks/items paid Deposit items ACH items Account maintenance Remote Deposit Capture Wire Module ACH Origination Positive Pay/ARP Services Preferred Business Checking Companies with moderate activity can benefit from this account. Maintain $1,500 average to avoid $12 monthly maintenance fee Up to 300 free credit/debit items per month (each additional item $0.25) Community Checking This checking account supports the nonprofit organizations and sole proprietors that support our communities. Maintain $500 average to avoid $12 monthly maintenance fee Earn interest regardless of account balance Up to 300 free credit/debit items per month (each additional item $0.25) Business Checking Plus Earn competitive interest on your business checking balance. Money Market Accounts This account is designed for higher balances and limited withdrawal activity. See page 6 for account details. Business Loan Accounts Our local business lenders know this region well, are responsive to your needs and make decisions quickly. We provide competitive rates and flexible terms on loans, and are passionate about guiding your business forward. Acquisition and Development Loans Get a single loan for the purchase and the development of residential or commercial property. Builders Lines of Credit Lot acquisition and construction financing all in one simple loan. Commercial Real Estate Loans Buy, build or refinance your next place of business. Short-Term Demand Loans Enjoy great benefits if you can repay your loan quickly. Commercial Installment Loans You can make simple monthly payments on the things you need to operate. Business Lines of Credit Convenient and affordable way to access cash when you need it. Maintain $1,500 average to avoid $12 monthly maintenance fee Up to 300 free credit/debit items per month (each additional item $0.25) Insured Cash Sweep Use this smart, secure account option to safeguard larger deposits. Access multi-million-dollar FDIC protection on large deposits Earn interest by placing excess funds into demand deposit accounts Work directly with our bank 14 15

11 Commercial Services Your business success reflects on our community, and we want to help make your business the best it can be. As your banking partner, we re committed to helping you grow stronger and better. Business Online Banking Enjoy the freedom and convenience of being able to follow the financial performance of your business from anywhere you have an internet connection. We incorporate the most advanced and secure technology available, so use Online Banking with confidence and ease. Here is what you can do with it: View account activity Transfer funds between your Community Bank accounts Pay bills and keep your checkbook register online Download to your financial software Make payments on your Community Bank loans Create reports to help you manage your finances Grant access permissions to employees Remote Deposit Capture Deposit checks from your place of business using Community Bank s scanning equipment. Deposit checks from the convenience of your workplace, day or night Streamline your deposit process Installation by Community Bank professionals who provide personalized support during set-up ACH Origination Services This is one of the most efficient ways for your business to receive or make payments electronically. Provide direct deposit of payroll to your employees Make federal, state and local tax payments Create batch templates for regular payments Import NACHA formatted ACH files Training provided by Community Bank professionals Initiate direct debits Payroll Services Simplify and streamline the entire payroll process. Our solutions are customized to the size of your business. Simply key in your payroll data and you re done Enjoy unlimited payroll processing Includes full management of payroll taxes Convenient online access so you can process payroll wherever your business takes you 17

12 Merchant Services Unlock the ability to accept card payments from your customers using innovative, reliable and secure channels. Visa, MasterCard, Discover, American Express and debit processing Competitive rates Low-cost equipment or reprogramming of existing equipment Web-based integration and processing available Positive Pay Sign up today for an automated fraud detection tool. Reduces risk of check/ach fraud Efficient electronic review of unauthorized transactions Complements your internal security measures Lockbox Accelerate cash collection by having customer payments sent directly to the Community Bank Lockbox Processing Center. Faster payment processing Fewer trips to the bank Improves cash flow HIPAA-compliant Lockbox options available Reloadable Cards Provides the freedom and convenience of a debit card without linking to a checking account. Your employees can use them for business expenses on a budget you determine. No credit check required just load funds on a card and go A great alternative to business credit cards Reload your card via direct deposit or at a branch location Get cash at ATMs Community Wealth Advisors As a new customer of Community Bank of the Chesapeake, you now have access to Community Wealth Advisors. You work hard to attain your wealth. Our advisors work just as hard to protect it and help it grow. When you work with Community Wealth Advisors, you get more than investment vehicles. You get our wisdom and undivided attention. Our advisors know that to understand your financial goals, we have to get to know you. And that s just what we do. We offer access to the following wealth management services: Investment Management Planning for Social Security Trust & Estate Planning* Personal Retirement Planning Corporate Retirement Planning Now that you have joined Community Bank of the Chesapeake, we encourage you to contact us for a free financial planning consultation. Our advisors are here to partner with you, give you financial clarity and help you reach the goals you have for your future. We look forward to serving you. *We do not provide legal or tax advice. Consult your legal and/or tax advisor. Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. Infinex and the bank are not affiliated. Community Wealth Advisors is a trade name of the bank. Products and services made available through Infinex are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value

13 A Quick Guide to Online & Mobile Banking Online Banking Instructions for enrolling: As a County First Online Banking customer, you will be signed up automati cally for this service when you access Online Banking via and enter your current username in all lowercase letters. You will use the last 4 digits of your social security number or tax ID as a temporary password. Once enrolled, you can: Pay bills and keep your checkbook register online View account activity Transfer funds between your Community Bank accounts Download to your financial software Make payments on your Community Bank loans Create reports to help you manage your finances Mobile App You can download the Community Bank of the Chesapeake app in the Apple App Store or the Google Play Marketplace. Mobile Banking Online Banking customers can bring their Community Bank of the Chesapeake accounts to their ios and Android smartphones with our custom mobile app. Download the app, Community Bank of the Chesapeake Mobile, to take your community bank account everywhere you go. Check account balances Deposit checks remotely Transfer funds between Community Bank accounts Pay bills Locate banking centers and ATMs Please note, you must first log into Online Banking via the website before being able to use our mobile app

14 Frequently Asked Questions To make this transition as smooth as possible for you, we ve tried to anticipate and answer most of the questions you may ask. However, if there is something we missed, please call your local branch. About the Branches Q: What if I need to contact Community Bank of the Chesapeake outside of branch hours? To be as accommodating as possible, we have a call line open on Saturdays from 8:30 a.m. to 4 p.m. The number is Or you can us anytime at onlinehelp@cbtc.com. Q: Why are Community Bank of the Chesapeake and County First Bank joining forces? The decision by County First Bank and Community Bank of the Chesapeake to combine will enable us to better serve the banking needs of the Southern Maryland community, and provide added services and convenience to a broader group of individuals, families and businesses. Our two banks have much in common, including our dedication to putting customers, employees, shareholders and the community first. Q: Will there be any branch closings? Yes. After a thorough review of traffic patterns, areas of overlap and many other factors, we have decided that the Downtown La Plata branch will remain open and we will close the remaining four County First Bank branches effective May 4, There is a Community Bank of the Chesapeake branch in close proximity to each branch that is closing and, in many cases, more conveniently located to you. The four branches closing are: California Branch Three Notch Rd. California, MD Prince Frederick Branch 36 So. Solomons Island Rd. Prince Frederick, MD New Market Branch New Market Rd. Charlotte Hall, MD Waldorf Branch 3670 Old Washington Rd. Waldorf, MD Q: Will the County First Bank employees still be at my local branch? Yes. Many County First Bank branch employees are joining the Community Bank of the Chesapeake branch network team, so you will continue to see the same friendly faces who have served you well over the years and who look forward to continuing to do so. Q: When can I start going to the other bank s branches? County First Bank customers should continue to use their original branches until the completion of the systems conversion at 9 a.m. on Monday, May 7, From that point forward, you will do your banking at any Community Bank of the Chesapeake branch. Q: Will the bank be closed at all during the conversion period? Yes. The Bank will be closed from the end of business on Friday, May 4, 2018 through 9 a.m. on Monday, May 7, Q: Will the business hours at my branch change? The only branch hours that will change pertain to the Downtown La Plata County First branch, which is joining the Community Bank of the Chesapeake network. The drive thru will open at 9:00 a.m., instead of 8:30 a.m. and the lobby hours will remain the same. About Accounts Q: Will my County First Bank account numbers change? Customer account numbers are not changing at this time. If changes are needed in the future, you will receive advance notification, and we will assist you through the process. Q: Will I need to open a new account with Community Bank of the Chesapeake? No. Q: Should I continue to use my County First Bank checks and deposit slips? Yes. Q: Will I continue to receive my ACH deposits and direct deposits? Yes

15 Q: Will I continue to receive my e-statements on my accounts? Yes. Community Bank of the Chesapeake offers the convenience of free e-statements. If you prefer paper statements, there may be a fee associated. For more information, reference the account conversion charts on pages 4-5. Q: Will there be a change in the delivery of my account statements? Personal account statements close on the 20 th of each month and business statements will remain at month end. About Lending Q: How does this affect my loans? Effective May 7, 2018, loan payments will need to be mailed to Community Bank of the Chesapeake, Lending Servicing Department, PO Box 2338, Waldorf, MD While other changes are not expected at this time, we will communicate any needed as they arise. Q: Can Community Bank of the Chesapeake loan more money? With the two banks coming together, we have expanded lending capacity to serve our customers. Q: Will loan decisions still be made locally? Yes. Community Bank of the Chesapeake believes in local bankers serving local customers. About Checkcards Q: When will I receive my Community Bank of the Chesapeake MasterCard Checkcard to replace my County First Bank Checkcard? All County First Bank customers will be receiving a new Checkcard through the mail at no charge and prior to the systems conversion weekend (May 4 7). Please activate your new Community Bank of the Chesapeake Checkcard as soon as it arrives. It will need to be activated prior to use, but can not be used before May 7, Your current County First Bank Checkcard will continue to work during the conversion weekend, but you will use your new Community Bank of the Chesapeake MasterCard Checkcard beginning on Monday, May 7. Q: Will I need to set up a new PIN for my card? Yes, a new PIN will need to be set up. This can be done when activating your new card. Q: How do I activate my new Checkcard or ATM card? There is a sticker on the card with the number to call to activate and set up a PIN. Please pay close attention to the activation instructions included with your card. Q: Will the daily limits on my Checkcard and ATM card change? The point of sale limit on your Checkcard is $1,500; the daily limit on ATM withdrawals is $500. Q: May I access all of my accounts through my MasterCard Checkcard? Yes. Q: What should I do if my credit, Checkcard or ATM card is stolen? For Checkcards, call To report a lost or stolen credit card, call Q: What should I do if I have automatic payments linked to my Checkcard? You will need to notify the vendor of your new card number and expiration date. Q: Does Community Bank of the Chesapeake offer credit cards? Yes. We partner with Elan Financial Services to provide credit cards. We have a variety of business and personal cards to meet everyone s needs. About Online and Mobile Banking Q: When I log in to Online Banking on May 7 (after conversion to Community Bank of the Chesapeake), will I see my recent transaction history? Yes. Q: How do I enroll in Online Banking? Access Online Banking at Enter your current username in all lowercase letters. You will use the last 4 digits of your social security number or tax ID as a temporary password. Q: Is Community Bank of the Chesapeake Online Banking compatible with budgeting software? Yes

16 Q: If I use Quicken or QuickBooks will my current information still be available after the transition? Yes. Q: I currently use County First Bank mobile app. Will I need to download the Community Bank of the Chesapeake app after transition? Yes. You will need to download the CBTC app, Community Bank of the Chesapeake Mobile, to access mobile banking after the conversion. After conversion, the County First Bank app will no longer access banking information. Q: I currently use County First Bank text message banking. Will I need to sign up again? Yes. Text alerts are available and can be set up within Community Bank s Online Banking. Q: Does Community Bank of the Chesapeake offer a bank by phone service? Yes. To access Bank By Phone please dial Q: If I have questions regarding my business online banking account, who should I contact? Please contact Community Bank s Commercial Services Team at ext. 2188, or onlinehelp@cbtc.com. Q: If I currently utilize Remote Deposit Capture, who do I contact for questions and technical support? Please contact Community Bank s Commercial Services Team at ext. 2188, or onlinehelp@cbtc.com. All RDC users will also be contacted individually prior to conversion with specified instructions. About Bill Pay Q: Will my bill pay vendors transfer over to Community Bank of the Chesapeake Online Banking? If you are currently using bill pay, the vendor information will carry over. However, any recurring payments will not convert over and will need to be reset/reinitiated after conversion. Our bankers are available to assist you with any questions you may have in resetting any recurring payments. Q: Will there be any downtime for Bill Pay? Bill Pay will not be available Friday, May 4, 2018 through Tuesday, May 8, The service is expected to be available for use Wednesday, May 9, Please note, for any payments scheduled after May 4, 2018 and prior to May 9, 2018, please ensure other payment options are used to avoid any late payment fees as Bill Pay will not be available. Website Changes Effective May 7, 2018 The County First Bank website ( will be redirected to the Community Bank of the Chesapeake ( website. On the Community Bank of the Chesapeake website, you can access Online Banking LogIn/Enrollment (upper right hand corner of account information, contact information and much more

17 Locations Contact Us Customer Support We want you to feel welcomed, valued and informed throughout your transition to Community Bank of the Chesapeake. If you have any questions, concerns or feedback, please don t hesitate to contact us. Bryans Road 8010 Matthews Rd Bryans Road, MD Charlotte Hall Three Notch Rd Charlotte Hall, MD Dunkirk Southern Maryland Blvd Dunkirk, MD Fredericksburg - Downtown 425 William Street Fredericksburg, VA La Plata 101 Drury Dr La Plata, MD La Plata - Downtown 202 Centennial Street La Plata, MD Leonardtown Point Lookout Rd Leonardtown, MD Lexington Park Three Notch Rd California, MD Lusby Rousby Hall Road Lusby, MD Prince Frederick 200 Market Square Dr Prince Frederick, MD St. Patrick s 20 St Patricks Dr Waldorf, MD Waldorf (Main Office) 3035 Leonardtown Rd Waldorf, MD By phone: By onlinehelp@cbtc.com By mail: P.O.Box 38 Waldorf, MD

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