Important Details of this Merger
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- Mervyn Ball
- 6 years ago
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1 September 1, 2016 Dear Valued Custmer: New and exciting things are happening at Prvincial Bank. Effective Octber 24, 2016, Prvincial Bank will merge int Frandsen Bank & Trust. Frandsen Bank & Trust is an affiliate bank with whm we presently share cmmn wnership. We are excited abut this merger because it will allw us t serve yu better. As always, ur gal is t prvide yu with a full range f cmpetitive prducts t meet yur financial needs alng with the utstanding service yu have grwn accustmed t frm a cmmunity bank. Imprtant Details f this Merger Cnversin f Accunts: We will be updating ur persnal checking and savings prducts effective with the merger n Octber 22, See the chart belw fr the accunt cnversins. Please refer t yur statement fr the name f yur current checking and savings prduct. If yu wuld prefer t be cnverted t a different accunt than indicated in the tables belw, please cntact ur custmer service representatives t discuss yur ptins. Please review the enclsed Persnal Banking Slutins bklet fr further details n each f these accunts. If yu currently have: Yur accunt will becme: Free Checking Free Checking Persnal Checking Accunts New Prduct Preferred r Available Classic Checking Classic Checking Classic Plus Checking Pr 55 + Gld Star Checking Mney Market Savings 2 Mney Market Accunt If yu currently have: Yur accunt will becme: Thrift Savings 1 Basic Savings Persnal Savings Accunts Minr Thrift r IRA Savings Health Savings Mney Market Prvincial Savings Savings 2 Statement Savings IRA Savings Health Savings Mney Market Accunt 1 Thrift Savings: If yur current year-t-date balance is equal t r greater than $200, yur Thrift savings accunt will becme a Statement Savings Accunt. 2 Mney Market Savings Accunt: After the merger this accunt will becme a checking accunt t prvide easier access t yur accunt. All f the features f yur accunt tday will still apply plus the additinal ability t write checks r use a Check Card. If yu are interested in checks r a Check Card, please cntact ur custmer service department. If yu currently have electrnic payments r direct depsits n this accunt, yu will need t cntact the riginatr t specify it is nw a checking accunt. Withdrawal limitatins apply. Refer t the Persnal Banking Slutins bklet fr details. Cnversin Statement: We will be generating statements fr ALL checking and savings accunts n Friday, Octber 21, 2016 and will pay the accrued interest. Nte: If yu have an Xtra-Credit accunt, please see the Xtra-Credit infrmatin belw fr billing and payment schedules. Fllwing the Octber 21, 2016 statement cycle, future persnal accunt statements will generate as indicated belw: If yur current statement generates n the 5 th, 15 th r the 25 th f the mnth, yur statement will generate n the 8 th f the mnth beginning Nvember 8, If yur current statement generates n the 20 th f the mnth, yur statement will generate n the 30 th f the mnth beginning Octber 30, Iberia Avenue Lakeville, MN Phne
2 If yur current statement generates n the last day f the mnth, yur statement will cntinue t generate n the last day f the mnth. NOW Accunt Classificatin: All interest bearing checking accunts will be changed frm a NOW Accunt classificatin t an Interest Bearing Demand Depsit Accunt classificatin. This will eliminate ur right t require seven days advance ntice in writing befre any withdrawal. Since we did nt use the advance ntice prvisin, this change has n impact n yur accunt. Additinal Terms and Cnditins f yur accunt: Payment Order f Items: When prcessing items drawn n yur accunt, ur general plicy is t pay electrnic items (such as ACH, ATM, r debit card transactins) first, fllwed by items (such as checks r drafts) in numerical sequence with the lwer item numbers paid first. On yur accunt statement we d nt necessarily reprt debits and credits in the rder that we psted them t yur accunt. Funds Availability: Effective Octber 22, 2016, we will make funds frm yur check and mbile check depsits available t yu n the first business day after the day we receive yur depsit. Electrnic direct depsits and cash depsits will be available n the day we receive the depsit. Once the funds are available, yu can withdraw them in cash and we will use the funds t pay checks that yu have written. In the event the available balance in yur accunt is nt sufficient t cver an item, we will either authrize and pay the item and verdraw yur accunt (Overdraft item), r we will decline and return the item unpaid (NSF item). We are extending ur daily cut ff time t clse f business t allw yu mre time t make yur depsits and lan payments at ur ffices. Transactins received after the bank clses will be credited the next business day. Every day is cnsidered a business day except Saturdays, Sundays and federal hlidays. Accrual f Interest: Interest will begin t accrue n the first business day after the banking day yu depsit nncash items (fr example, checks) int yur accunt. Checks, Depsit Tickets, Direct Depsit and Electrnic Payments: Yur accunt number will nt change unless yu have been ntified directly. Yu may cntinue t use yur current supply f checks and depsit tickets. Our ruting number will change t effective Octber 24, Originatrs f direct depsits and/r electrnic payments will receive an electrnic ntificatin f this change and yu may be cntacted by the riginatr fr verificatin. We will cntinue t prcess any direct depsits r electrnic payments received with ur ld ruting number ( ). When yu rder new checks r set up new direct depsits and/r electrnic payments, please use ur new ruting number. Additinal Infrmatin: Please see the enclsed Cnsumer Banking Fees, FDIC Insurance letter and Privacy Ntice. Check Cards & ATM Cards: We will be reissuing all Check cards prir t Octber 21, Yur Prvincial Bank card will be clsed n Mnday mrning, Octber 24 th at apprximately 3:00 am. Yur new Frandsen Bank & Trust card can be activated and a PIN established prir t Octber 24 th ; yu can start using yur new Frandsen Bank & Trust card beginning Mnday mrning, Octber 24 th. If yu use yur Check card fr autmatic payments frm yur accunt (i.e. gym membership, assciatin fees, etc.), yu must prvide yur new card number t thse businesses. Yur daily limit will be cntrlled by the lesser f yur available balance r the maximum limit assigned t yur card. Xtra-Credit Custmers: Yur Xtra-Credit accunt will nw be called Ready Reserve (Overdraft Line f Credit). Fllwing are the changes: Payment changes: Yur payments will be 5% f the lan accunt balance n the last day f the billing cycle with a minimum f $ Billing changes: Interest will be billed thrugh the billing date and yur principal and interest payment will split as billed n yur payment date. Payment date changes: Enclsures: Persnal Banking Slutins, Cnsumer Banking Fees, FDIC Insurance Letter, Privacy Ntice
3 If yur Xtra-Credit billing statement generates n Octber 5 th r Octber 15 th, yur payment will be due as usual. Due t the merger, yu will receive a billing statement n Octber 21 st ; hwever, n additinal payment is required. Beginning in Nvember, yur Ready Reserve billing statement will generate the 8 th f each mnth with yur payment due n the 1 st f the fllwing mnth. Late Charges: All Ready Reserve accunts are subject t a late fee f 5% f the late amunt with a minimum f $7.28 if mre than 10 days late. This amunt may then increase s as t always be the maximum amunt allwed by law under Minnesta Statute Sectin Annual Fee: Effective Nvember 1, 2017 we will implement an annual fee f $50. Yur lan accunt will be autmatically charged this fee annually and it will be deducted frm yur checking accunt as part f the nrmal Ready Reserve billing prcess. Advance Ntices: We are ging green! With Online Banking and Cnvenience Line yur accunt infrmatin can be accessed 24/7 eliminating the need t mail ut advance ntices. Cnvenience Line (Telebank): Effective Octber 24 th yu may btain balances, transfer mney between accunts, track cleared transactins and make lan payments thrugh ur 24-Hur Cnvenience Line Yur Persnal Identificatin Number (PIN) will initially be the last fur digits f yur scial security number. Website: Our current website address will be redirected t Beginning Octber 24 th, yu will be able t see the new and imprved lk f ur website. Online Banking, Bill Pay, estatements, Mbile Banking, and Mbile Depsit: Access t ur current nline banking system will be fr inquiries nly beginning at 3:00 pm n Friday, Octber 21 st. Yu will need t enrll in ur new nline banking system, which will be available beginning Octber 24 th at If yu are currently receiving an estatement; yu will need t re-enrll in nline banking prir t yur next statement date (see statement dates n page ne) in rder t cntinue t receive yur estatement withut interruptin f service. PLEASE SEE THE BACK OF THIS PAGE FOR DETAILED INSTRUCTIONS ON THE ENROLLMENT PROCESS FOR ALL OF OUR CONVENIENT EBANKING SERVICES Lan Advance Ntices and Ready Reserve Advance Ntices: We are ging green! Yu will n lnger receive lan advance ntices in the mail. Yu can review lan advances thrugh Cnvenience Line and Online Banking. Ntice Regarding All Checking Accunts: We are making a regulatry and internal accunting change t all checking accunts. This will have NO EFFECT n the current features f yur accunt including yur accunt number, the use f yur accunt, the amunt f interest (if any) paid n yur accunt, the fees fr yur accunt (if any), yur mnthly statement r FDIC Insurance cverage. This change will result in the creatin f tw subaccunts; a checking sub-accunt and a savings sub-accunt. The bank may peridically transfer funds between these tw sub-accunts. On the sixth transfer during a calendar mnth, any funds in the savings sub-accunt will be transferred back t the checking sub-accunt. This reallcatin will ccur slely n ur bks, will be transparent t yu, and have NO EFFECT n the daily use f yur accunt. We appreciate yur patience and understanding as we make this transitin. Please d nt hesitate t cntact ur custmer service department with any questins r cncerns. Sincerely, Pat Arling, President Mike Lebens, President Try Weathers, President Prvincial Bank Valley Lake Market Hastings Market Enclsures: Persnal Banking Slutins, Cnsumer Banking Fees, FDIC Insurance Letter, Privacy Ntice
4 PLEASE RETAIN THESE EBANKING INSTRUCTIONS FOR FUTURE REFERENCE ****ONLINE BANKING INSTRUCTIONS**** Beginning Mnday, Octber 24, 2016, yu will be able t access ur new website YOU WILL NEED TO ENROLL IN OUR NEW ONLINE BANKING PROGRAM. Click ONLINE LOG IN and then select ENROLL IN PERSONAL ONLINE BANKING frm the drp dwn menu. This will take yu t the FIRST TIME LOGIN screen. Enter the infrmatin requested. Yur temprary passwrd is the last fur digits f yur wn scial security number. If yu established a PIN while setting up access t ur 24-hur Cnvenience Line, this will becme yur temprary passwrd in Online Banking. Yu will then be directed t enter a new Access ID and a new passwrd. The Access ID must be at least six digits lng and can be alpha, numeric r bth. The passwrd yu chse must be between 6-17 digits lng and have at least ne alpha, ne numeric, and ne special character. Bth the User ID and Passwrd are case sensitive. After reading the disclsure, click ACCEPT. Yu will nw be able t view yur accunts. ****ONLINE BILL PAY AND estatement INSTRUCTIONS**** Once yu have enrlled in Online Banking yu may als enrll in Online Bill Pay and estatements. Online Bill Pay allws yu t pay bills electrnically thrugh yur Online Banking sessin. With Online Bill Pay yu create yur wn payee menu, which allws yu t pay yur bills electrnically and streamline yur persnal finances. T enrll: Lg int yur Online Banking sessin frm Select BILL PAY frm the menu bar and fllw the prmpts t apply Once enrlled in Online Bill Pay, yu may use Ppmney t make persn-t-persn transfers Recmmendatin: If yu are currently using Bill Pay, we recmmend printing ut any histry yu wuld like t retain and a list f payees (prir t Octber 21 st ) s yu may easily add these payees int ur new system. estatements are the fastest, safest, and mst cnvenient way t receive yur mnthly bank statement. With a few simply clicks yu will be able t retrieve yur statements in an electrnic frmat. T enrll: Lg int yur Online Banking sessin frm Select MY PROFILE frm the tp menu bar Scrll t the ESTATEMENT ENROLLMENT banner Fllw the prmpts t set up yur accunts Recmmendatin: If yu are currently receiving an estatement, we recmmend saving r printing yur previus estatements fr retentin prir t Octber 20 th as they will n lnger be available after Octber 21st. ****MOBILE BANKING AND MOBILE DEPOSIT INSTRUCTIONS**** Once yu have enrlled in Online Banking yu may als enrll in Frandsen Mbiliti TM and Mbile Depsit. Dwnlad Frandsen Mbiliti frm the Apple Stre r Ggle Play and start banking frm yur smartphne. Dwnlad Frandsen Mbile Depsit frm the Apple Stre r Ggle Play and use the cnvenience f yur smartphne t depsit checks int yur Frandsen accunt anytime, anywhere. Enclsures: Persnal Banking Slutins, Cnsumer Banking Fees, FDIC Insurance Letter, Privacy Ntice
5 CONSUMER BANKING FEES Check and Card Fees Replace ATM/Check Card... $10.00 Cunter Checks, per check (re-rder must be placed)... $.25 Cashier s Checks, per check... $ Mney Orders, per mney rder... $ Certified Checks... $10.00 Gift Cards, per Card... $ Travel Cards, per Card... $ Travel Card Relad Fee... $3.00 Accunt Fees Returned Depsit Item r Cashed Check Fee, per item... $4.00 Stp Payments, per item... $32.00 Accunt Clsure Fee (if accunt is clsed within 6 mnths f pening)... $25.00 IRA Plan Terminatin Fee... $25.00 NSF Return Fee, per item... $ Overdraft Fee, balance verdrawn less than $ $ Overdraft Fee, balance verdrawn $5.00 t $ $ Overdraft Fee, balance verdrawn mre than $ $ Cntinuus Overdraft Fee, per day... $10.00 (Impsed n the 4 th business day f a cntinuusly verdrawn balance and cntinuing every business day, the accunt balance remains belw $0.00) Daily Overdraft Fee Maximum, per day... 5 items Balance Reserve Transfer Fee, per transfer... $3.00. Paperless Banking Online Banking... N Charge estatements... N Charge Lan estatements... N Charge Mbile Banking... N Charge Mbile Depsit... N Charge Online Bill Payment Online Bill Payment is available fr n mnthly charge as lng as it is used nce every 30 days. If nt used during a 30 day perid an Online Bill Payment Billing Fee f $4.95 will be impsed. The bill pay prcessr may assess additinal fees fr phtcpy requests, returned items and stp payments Wires Wire Transfer, incming... $10.00 Wire Transfer, utging... $20.00 Wire Transfer, freign incming... $30.00 Wire Transfer, freign utging... $50.00 Legal Garnishment/Levy prcessing... $75.00 Cllectins, incming and utging... $ Signature Guarantee-Medallin... $10.00
6 Other Services Accunt Research, per hur (1 hur minimum)... $25.00 Accunt Research, per cpy... $1.00 Checkbk Recnciling, per hur (1 hur minimum)... $25.00 Cpy f Check/Depsit, per item... $1.00 Past Statement Cpy... $3.00 Accunt Activity Printut... $3.00 Freign Currency, Purchase... $20.00 Freign Currency, Exchange... $15.00 Canadian Currency Current Exchange Rate Rlled Cin, per rll... $0.08 Strapped Currency, per $1, $0.75 Phtcpy Service, per page... $0.25 Fax Machine, incming and utging First Page... $5.00 Each additinal page... $1.00 Bnd Cupns... $15.00 External Transfer Setup Fee... $5.00 Night Depsit Zipper Bag... $5.00 Lck Bag... $ Services may nt be available in all ffices 2 N charge t Gld Star r Ultimate custmers 3 Fee pertains t checking and savings accunts and applies t each item created by check, in-persn withdrawal, ATM withdrawal r ther electrnic means. In the event the available balance in yur accunt is nt sufficient t cver an item, we will either authrize and pay the item and verdraw yur accunt (Overdraft item), r we will decline and return the item unpaid (NSF item) per ur Funds Availability Plicy
7 116 Central Street West Lnsdale, MN T Depsitrs f Prvincial Bank: This is t advise yu that n r after Octber 22, 2016 Frandsen Bank & Trust, Lnsdale, MN will merge Prvincial Bank, which has its main ffice at Iberia Avenue, Lakeville, MN Bank Name In this transactin, Frandsen Bank & Trust will perate under the name Frandsen Bank & Trust and establish detached facilities fr Prvincial Bank lcated at Iberia Avenue, Lakeville, MN 55044, st Street, Rsemunt, MN and 1309 Vermillin Street, Hastings, MN Bank Lcatins The main ffice f the merged bank will be lcated at 116 Central St. West, Lnsdale, MN The current ffices f Frandsen Bank & Trust are lcated at: 116 Central Street West, Lnsdale, MN 55046; 2001 West Bradway Avenue, Frest Lake, MN 55025; st Street Suth, Mntgmery, MN 56069; th Avenue, Fley, MN 56329; 59 Highway 23 West, Fley, MN 56329; 100 Nrth Minnesta Street, New Ulm, MN 56073; 1823 Suth Bradway, New Ulm, MN 56073; 715 Staffrd Rad Nrth, Dundas, MN 55019; 1413 Central Ave NW, East Grand Frks, MN 56721; 1616 Suth Washingtn Street, Grand Frks, ND 58201; th Ave N, Grand Frks, ND 58203; 410 West 2 nd Street, Ada, MN 56510; 212 Main Street, Osl, MN 56744; 528 Nrth 1 st Street, Warren, MN 56762; Smiley Rad, Nisswa, MN 56468; 7429 Excelsir Rad, Baxter, MN 56425; Cunty Rad 3, Crsslake, MN 56442; 245 Belgrade Avenue, Nrth Mankat, MN 56003; 1661 Cmmerce Drive, Nrth Mankat, MN 56003; 1580 Madisn Avenue, Mankat, MN 56001; 206 Main Street, Hectr, MN 55342; 100 Park Street Suth, Fairfax, MN 55332; 200 Creek Lane Nrth, Jrdan, MN 55352; 320 East Main Street, Waterville, MN 56096; 121 Suth Main Avenue, Braham, MN 55006; rd Avenue SE, Pine City, MN 55063; 206 Suth Main Street, Luck, WI 54853; 501 Chestnut Street, Virginia, MN 55792; 102 East Sheridan Street, Ely, MN 55731; 415 Main Street, Twer, MN 55790; 712 Highway 33 Suth, Clquet, MN 55720; 205 Suth Main Street, Bird Island, MN 55310; 165 Main Street, Clintn, MN and will cntinue as ffices f the merged bank. As a result f this transactin yur accunt(s) at Prvincial Bank will autmatically becme accunts at Frandsen Bank & Trust. FDIC Insurance As yu may be aware, FDIC insurance generally cvers a depsitr s accunt in any bank up t $250,000. Therefre, if, as a result f the transactin, yu will have funds n depsit at Frandsen Bank & Trust in excess f $250,000, yu shuld pay particular attentin t this paragraph. In accrdance with Sectin 8(q) f the Federal Depsit Insurance Act, in a transactin such as this, where the depsits f ne financial institutin are transferred t anther financial institutin, separate insurance n the transferred depsits will cntinue fr six mnths after the date f transfer r, in the case f time depsits, the earliest maturity date after the expiratin f the six mnth perid. Please cntact ne f ur ffices if yur depsits at Frandsen Bank & Trust will exceed $250,000 as a result f the transactin r if yu have any questins.
8 There is n need t replace yur check supply because f this merger. Yu may cntinue t use yur existing checks frm Prvincial Bank. When yu rder yur new checks, they will have the name Frandsen Bank & Trust. Bank Hurs We will cntinue the same hurs and availability f bank services in the Lbby and Drive-up as we have in the past. Yu may cnduct transactins at any f the ther bank ffices lcated in East Grand Frks, Grand Frks, Ada, Osl, Warren, Lnsdale, Mntgmery, Frest Lake, Fley, New Ulm, Dundas, Nisswa, Baxter, Crsslake, Fairfax, Jrdan, Mankat, Nrth Mankat, Hectr, Waterville, Braham, Pine City, Luck, Virginia, Ely, Twer, Clquet, Bird Island, Clintn, Lakeville, Apple Valley, and Hastings. Sincerely, Karen Brekke, Chairman Frandsen Bank & Trust Pat Arling, President Prvincial Bank Mike Lebens, President Prvincial Bank, Valley Lake Market Try Weathers, President Prvincial Bank, Hastings Market
9 Rev 2/2015 FACTS Why? What? Hw? WHAT DOES FRANDSEN BANK & TRUST DO WITH YOUR PERSONAL INFORMATION? Financial cmpanies chse hw they share yur persnal infrmatin. Federal law gives cnsumers the right t limit sme but nt all sharing. Federal law als requires us t tell yu hw we cllect, share, and prtect yur persnal infrmatin. Please read this ntice carefully t understand what we d. The types f persnal infrmatin we cllect and share depend n the prduct r service yu have with us. This infrmatin can include: Scial Security number and transactin histry accunt transactins and verdraft histry credit histry and payment histry When yu are n lnger ur custmer, we cntinue t share yur infrmatin as described in this ntice. All financial cmpanies need t share custmers persnal infrmatin t run their everyday business. In the sectin belw, we list the reasns financial cmpanies can share custmers persnal infrmatin; the reasns Frandsen Bank & Trust chses t share; and whether yu can limit this sharing. Reasns we can share yur persnal infrmatin Fr ur everyday business purpses such as t prcess yur transactins, maintain yur accunt(s), respnd t curt rders and legal investigatins, r reprt t credit bureaus Fr ur marketing purpses t ffer ur prducts and services t yu Des Frandsen Bank & Trust share? Yes Yes Can yu limit this sharing? N N Fr jint marketing with ther financial cmpanies Yes N Fr ur affiliates everyday business purpses infrmatin abut yur transactins and experiences Fr ur affiliates everyday business purpses infrmatin abut yur creditwrthiness Yes N N We dn't share Fr ur affiliates t market t yu N We dn't share Fr nn-affiliates t market t yu N We dn't share Questins? Call us tll-free at r g t
10 Page 2 What we d Hw des Frandsen Bank & Trust prtect my persnal infrmatin? Hw des Frandsen Bank & Trust cllect my persnal infrmatin? Why can t I limit all sharing? Definitins Affiliates Nn-affiliates Jint marketing T prtect yur persnal infrmatin frm unauthrized access and use, we use security measures that cmply with federal law. These measures include cmputer safeguards and secured files and buildings We cllect yur persnal infrmatin, fr example, when yu pen an accunt r apply fr a lan shw yur gvernment-issued ID r give us yur incme infrmatin make depsits r withdrawals frm yur accunt We als cllect yur persnal infrmatin frm thers, such as credit bureaus, affiliates, r ther cmpanies. Federal law gives yu the right t limit nly sharing fr affiliates everyday business purpses infrmatin abut yur creditwrthiness affiliates frm using yur infrmatin t market t yu sharing fr nn-affiliates t market t yu State laws and individual cmpanies may give yu additinal rights t limit sharing. Cmpanies related by cmmn wnership r cntrl. They can be financial and nnfinancial cmpanies. Our affiliate is Frandsen Financial Crpratin. Cmpanies nt related by cmmn wnership r cntrl. They can be financial and nnfinancial cmpanies. Frandsen Bank & Trust des nt share with nn-affiliates s they can market t yu. A frmal agreement between nnaffiliated financial cmpanies that tgether market financial prducts r services t yu. Our jint marketing partners may include ther banks, insurance cmpanies, and investment and securities cmpanies.
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