PRODUCTS AND SERVICES GUIDE

Transcription

1 THIS GUIDE HAS IMPORTANT INFORMATION REGARDING YOUR BANK ACCOUNT. PRODUCTS AND SERVICES GUIDE INFORMATION ABOUT THE TRANSFER OF YOUR BUSINESS ACCOUNT FROM S BANK TO STATE BANK.

2 WELCOME TO STATE BANK. WE ARE VERY PLEASED TO HAVE THE CHANCE TO INTRODUCE YOU TO STATE BANK AND TO WELCOME YOU AS CLIENTS. YOU WILL FIND THE SAME FAMILIAR PEOPLE WHO SERVED YOU WELL AT S BANK ARE HERE TO SERVE YOU AT STATE BANK. In this guide, you will find information that will be helpful in the weeks ahead, including important details about the conversion weekend of February 3-5, That is when your accounts will change to State Bank. This guide has details about your account information, checks, debit card, online banking, online bill pay, payments, transfers, and more. Please take some time to review these details and keep this guide nearby as reference. Thank you for your business. It is our absolute privilege to be your bank. 1

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4 KEYS TO THE TRANSFER OF YOUR BUSINESS ACCOUNT ACCOUNT INFORMATION For most customers, checking, savings and money market account numbers will not change. If there is a need to make a change, State Bank will notify you by mail in a separate letter. The routing number for State Bank is CHECKS AND DEBIT CARDS Please continue to use your existing checks and deposit slips until further notice. You will receive a new State Bank debit card by mail to replace your S Bank debit card. Instructions regarding activating and setting up your PIN will be included. ONLINE BANKING AND BILL PAY State Bank online banking will be available beginning at 9:00 a.m. on Monday, February 6, Before the conversion, State Bank will notify you about your User ID and other detailed information about Online Banking and Bill Pay. ENSURING UNINTERRUPTED DIRECT DEPOSITS, PAYMENTS AND TRANSFERS Clients with automatic payments need to change any automatic withdrawals or payment services to be made from your new State Bank account(s), so that payees recognize the payment as coming from State Bank s routing number, which is We have provided a form for your convenience on page 25 to notify the appropriate parties of your new routing number. HAVE QUESTIONS? We are here to help if you have questions. Answers to many questions are in this book, but if you need more information, please contact your local branch. 3

5 PHONE Glennville Hinesville Reidsville Savannah ONLINE Find information about the conversion at our Resource Library for S Bank clients at 4

6 YOUR NEW BUSINESS ACCOUNTS ACCOUNT OPTIONS Please see the business account summary guide on page six for information about other checking and savings accounts available. If you see a different type of State Bank account that is better suited to your needs, please call or visit your local banking center and we will help you make the change after February 6, S BANK ACCOUNT converts to NEW STATE BANK ACCOUNT Commercial DDA NOW Acct Business Business Checking Business Checking with Interest NOW Public Fund / SC&M Checking IOLTA Checking Money Market Non Personal Money Market Public Funds Business / SC&M Savings Non-Profit Analysis with Interest Checking IOLTA Checking Commercial Money Market Commercial Money Market Commercial Savings CONVERSION DATES The conversion of S Bank accounts to State Bank accounts will begin at the close of business on Friday, February 3, 2017, and continue through the weekend. ACCOUNT NUMBER AND CHECKS Unless otherwise notified by us, your checking and savings account numbers will not change. You can continue to use your existing supply of S Bank checks and deposit slips until otherwise notified. If you order checks from a source outside the bank, use your account number and the State Bank routing number: In the event we have to change your account number, you will receive additional information from us and an initial order of standard style checks from State Bank before the conversion. When you place your first order of new checks at any State Bank branch, we will provide a credit of $100 toward the purchase of your checks. You may bring unused S Bank checks to any branch office after February 6, and we will destroy them for you at no charge. 5

7 BUSINESS ACCOUNTS SUMMARY We offer accounts to fit businesses of any size. All checking accounts below also include: Online Banking with Bill Pay Mobile Banking estatements Debit MasterCard Fraud Protection by Trusteer Designed For Minimum Opening Deposit Monthly Service Charge BUSINESS echecking Sole proprietorships and micro/small businesses that mainly conduct business online MICRO BUSINESS CHECKING Sole proprietorships and small businesses with very low to low transaction activity BUSINESS CHECKING Small and medium businesses with moderate to high activity BUSINESS CHECKING WITH INTEREST Sole proprietorships, nonprofits, partnerships and government entities with low to moderate activity BUSINESS ANALYSIS CHECKING Organizations with heavy activity, cash needs and treasury or complex payment systems $100 $100 $100 $100 $100 $0 $9 $16 $18 $20 Average Collected Balance to Avoid Monthly Service Charge N/A $2,500 $5,000 $10,000 Earnings credit rate is determined for analysis purposes and based on a bank-defined rate Transaction Limits 5 checks written per cycle 150 items per cycle* 500 items per cycle* 300 items per cycle* None Cost for Additional Items $1.00 per check written over 5 and = $1.50 per $1,000 in cash deposited over $10,000 per cycle $.50 per item over 150 and $1.50 per $1,000 in cash deposited over $10,000 per cycle $.50 per item over 500 and $1.50 per $1,000 in cash deposited over $10,000 per cycle $.50 per item over 300 and $1.50 per $1,000 in cash deposited over $10,000 per cycle ** * Items refers to checks written, checks deposited and deposit slips. Unlimited transactions for Bill Pay, ACH and debit card/atm. ** Please refer to our Analysis Schedule for transaction activity charges. SAVINGS COMMERCIAL MONEY MARKET CERTIFICATES OF DEPOSIT Key Features Basic savings with competitive interest Tiered rates of interest and easy access Insured with a guaranteed interest rate and variety of terms Minimum Opening Deposit Minimum to Earn Interest $100 $100 $1,000 $100 None $1,000 Service Charge $2 quarterly $10 monthly None To Avoid Monthly Service Charges Maintain minimum daily balance of $100 Maintain minimum daily balance of $1,000 N/A Withdrawals 3 per quarter ($2 per additional) 6 per statement ($5 per additional) N/A Refer to the Schedule of Charges in Appendix A of this guide for a complete list of miscellaneous charges and fees. 6

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9 INTEREST ON CHECKING, SAVINGS AND MONEY MARKET ACCOUNTS PAYMENT OF INTEREST Interest-bearing checking or money market accounts will compound and pay interest monthly. Interest on savings accounts will be compounded and paid quarterly. VARIABLE INTEREST RATE Variable interest rates on checking, savings and money market accounts are subject to change at any time and are set by State Bank. If you are seeking a fixed rate of return, State Bank offers Certificates of Deposit to meet your investment needs. HOW TO CHECK OUR CURRENT RATES For deposit accounts, the Annual Percentage Yield (APY) will appear on your monthly or quarterly statement. In addition, you may call a State Bank office or visit for current rates. 8

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11 CERTIFICATES OF DEPOSIT There will be no change to your interest rate or maturity date on your Certificate of Deposit (CD). They will remain the same until maturity. ACCOUNT NUMBERS In order to prevent duplication, all CD account numbers will now be 11 digits and begin with a prefix of 985. For example, if your original CD account number was , your new State Bank CD account number will be RENEWAL All CDs will be renewed automatically unless another option was chosen. At renewal, State Bank s stated terms, conditions, and market rates will apply. If you wish to add to or change the term of your CD, there is a ten day grace period for automatically renewing certificates without penalty. For current rate information, contact one of our banking offices or see Interest Rates at INTEREST Accrued interest not yet credited to a CD may be withdrawn without a penalty. However, interest credited during a previous term is considered principal and cannot be withdrawn without penalty. All CDs will renew at the current market rate offered by State Bank. COMPOUNDING INTEREST Interest will continue to compound in the same manner as S Bank CDs until maturity. At maturity your CD will convert to the same features of current State Bank products. PENALTIES Current penalties established by S Bank will remain in effect until your CD matures, at which time the standard State Bank penalties will apply. 10

12 ENSURING YOUR DIRECT DEPOSITS, AUTOMATIC PAYMENTS AND TRANSFERS ARE UNINTERRUPTED DIRECT DEPOSITS State Bank will contact the organizations that deposit directly into your account(s) and inform them of the change in your bank routing number. While many organizations will accept our notification, some may not and may cancel your direct deposit. We have included a tear out form in the guide on page 25 / Appendix C. Please use it to notify the appropriate parties of the new routing number. If you currently have scheduled direct deposits, we strongly recommend you contact those sources starting February 6, 2017, to verify that all changes have been made. If you encounter a problem with your automatic deposits, please contact your local banking center on or after February 6. S Bank s routing number will expire October 31, AUTOMATIC PAYMENTS If you have automatic payments from your checking or savings account(s), you will also need to change all automatic withdrawals or payment services to your new State Bank account(s), so they recognize the payment coming from State Bank s routing number. You can notify your electronic payees by providing your new routing number: STATE BANK DEBIT MASTERCARD Your S Bank Debit Card will be replaced by a State Bank Debit MasterCard. You will receive a new debit card and activation instructions before the conversion date of February 6, Please continue using your S Bank Debit Card and PIN until 9:00 a.m. on Monday, February 6, On Monday, February 6, begin using your new State Bank Debit Card and destroy your S Bank Debit Card. Use the PIN, as instructed when you receive your State Bank Debit Card. You may also use your new State Bank Debit MasterCard at any Allpoint, Intercept, Pulse or Cirrus network locations nationwide anywhere MasterCard is accepted. As an added protection, State Bank provides a fraud monitoring service for your card provided by FALCON. SWITCH IT We have included a tear out form in this guide on page 25 / Appendix C. Please use it to notify the appropriate parties of the new routing number. 11

13 RECURRING DEBIT CARD PAYMENTS ACTION IS REQUIRED If you currently have automatic, recurring payments to merchants or other companies using your S Bank Debit Card, you should contact those companies to provide your new card number from State Bank. You may schedule payments using your new card after February 6, We have included a form in this guide on page 25 / Appendix C. Please use it to notify the appropriate parties of the new routing number. 12

14 CONVERTING TO STATE BANK ONLINE BANKING BEFORE JANUARY 30, 2017 PREPARE YOUR S BANK ONLINE BANKING FOR CONVERSION FOR EXISTING ONLINE BANKING USERS: FOR EXISTING ONLINE BILL PAY USERS: Beginning Thursday, February 2, at 7:00 a.m. until Monday, February 6, at 9:00 a.m., S Bank Online Banking will be available in view-only mode as we prepare for conversion. Before the conversion weekend of February 3-5, State Bank will send you detailed information about your Online Banking and Online Bill Pay. Unless you hear from us otherwise, your User ID will remain the same. Your password will be the last 4 digits of the business Tax ID Number. After you log in, we will prompt you to change your password and set up security questions. Your recurring and future online bill payments will be saved and carried forward in State Bank Online Banking. The deadline to schedule a new S Bank online bill payment is 7:00 a.m. on Monday, January 30. After 5:00 p.m. Monday, January 30, S Bank Online Bill Pay will no longer be available. Any payments scheduled for February 3 will be processed on Monday, February 6. Six months of your bill payment history will be carried forward in State Bank Bill Pay. Existing S Bank Online Banking alerts will not convert over; please set up your alerts after logging in. FOR QUICKEN AND QUICKBOOKS USERS: BANK TO BANK TRANSFERS: You will need to download all transactions for Quicken and QuickBooks before Monday, January 30. Visit the Resource Library at for detailed instructions for converting your Quicken account register. As an Online Banking client, you are automatically enrolled in Bank to Bank Transfers. You can move funds between your State Bank checking, savings, money market accounts and accounts at other financial institutions in the U.S. SCHEDULED EBILLS All ebills will be disabled on January 27, Please make alternative arrangements to continue to receive electronic bills with the service provider. Any existing bills posted in the inbox prior to January 27, 2017, will be viewable and you will be able to act on that bill. 13

15 ON FEBRUARY 6, 2017 LOG INTO STATE BANK ONLINE BANKING Beginning at 9:00 a.m. on Monday, February 6, you will access Online Banking through the State Bank website at ENHANCED SECURITY WITH TRUSTEER RAPPORT Trusteer Rapport is security software provided free of charge to protect your online banking communication from being stolen by criminals. Rapport is highly recommended by State Bank as an additional layer of security to any anti-virus or security software you already use. By protecting your internet connection and creating a tunnel for safe communication with your online banking website, Rapport blocks malicious attempts to steal money from accounts. You will get a prompt to download Trusteer Rapport after you log into Online Banking. 14

16 STATE BANK TELEPHONE BANKING Beginning February 6, you will have access to State Bank s 24-Hour Telephone Banking. This service gives you access to your account information by calling On your first call to 24-Hour Telephone Banking, you will need your account number to access the system. Your PIN will be the last 4 digits of the business Tax ID Number, and you will be prompted immediately to change your PIN. MOBILE BANKING MAKE A DEPOSIT Make a Deposit, part of our Mobile Banking App, lets you deposit checks anytime, using your smartphone or a flat-bed scanner. You can deposit up to $5,000 per day / $25,000 per month and deposits made before 4:00 p.m. are credited the same day. Beginning Monday, February 6 at 9:00 a.m., you can start using State Bank Mobile Banking from your iphone, ipad or Android device. Just follow these simple steps: Log in to Online Banking from your personal computer. You must first log in to change your temporary password and accept the online banking agreement. Go to the Apple Store or Google Play to download the State Bank Mobile App or scan the QR Code below. Search for State Bank and Trust Company and look for this image: Scan here to download the State Bank Mobile App Log into the App with your Online Banking ID and password. Follow the prompts during enrollment. 15

17 ADDITIONAL INFORMATION ABOUT BANKING WITH STATE BANK BANK STATEMENTS You will receive a final S Bank statement with account activity through February 2, 2017, with no monthly service charge and any accrued, unpaid interest credited. In March, you will also receive either a partial or full month State Bank statement based on our cycle dates. Any monthly maintenance fees for your last month s S Bank statement and your first month s State Bank statement will be waived. Please review the table below for your statement cycle dates: YOUR STATEMENT SCHEDULE If S Bank was: 1st business day of month 1st Tuesday of month 2nd Tuesday of month 3rd and 4th Tuesday of month End of month Quarterly Savings State Bank will be: 1st of month 4th of month 13th of month 23rd of month End of month Last day of quarter 4th of month ELECTRONIC STATEMENTS If you currently receive your statement electronically, a final statement from S Bank will be sent electronically and through the mail. S Bank estatement history will not be available after 5:00 p.m. on February 2, Download your estatement history with S Bank prior to February 2, 2017, at 5:00 p.m. Starting February 6, State Bank estatements can be accessed when you log into Online Banking. When you first log into Online Banking, you will be asked to accept the estatement agreement. Going forward, you will receive an to notify you that your latest estatement is available. 16

18 OVERDRAFT SERVICES State Bank offers an overdraft service called Bounce Protection on some business checking accounts. You will be automatically enrolled in this service. See the complete details about Bounce Protection in Appendix B on page 22 of this guide. If you have overdraft protection from a savings account or line of credit at S Bank, that service will be available on your new State Bank account. SCHEDULE OF CHARGES A complete list of miscellaneous, online service, and business analysis checking charges is located in Appendix A on page 21 of this guide. ACCOUNT AGREEMENT AND DISCLOSURES State Bank s Deposit Account Agreement and Disclosures booklet is enclosed, which contains our terms and conditions. LOANS AND LINES OF CREDIT The terms and conditions of all loans, including note rate, term, payment and payment due date, will remain the same. Beginning February 6, 2017, you will have the option of making payments at any State Bank branch or by mail. Your monthly loan notices from State Bank will have a new size, format and summary information. If you choose to mail your loan payment, please make sure to make checks payable to State Bank and mail to: STATE BANK AND TRUST COMPANY P.O. BOX 4748 MACON, GA

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20 Banking Locations On Monday, February 6, 2017, you will be able to bank at any of our State Bank banking centers in Georgia, and online at or at State Bank 24-Hour Telephone Banking. Our goal is to provide you with the same friendly and professional service you already enjoy. Augusta Main Office 3527 Wheeler Road, Augusta, GA Monday Thursday 9:00 a.m. 4:00 p.m. Friday 9:00 a.m. 6:00 p.m. Monday Thursday 9:00 a.m. 4:00 p.m. Friday 9:00 a.m. 6:00 p.m. Hill Street 110 East Hill Street, Thomson, GA Monday Thursday 9:00 a.m. 4:00 p.m. Friday 9:00 a.m. 6:00 p.m. Monday Thursday 7:30 a.m. 5:30 p.m. Friday 7:30 a.m. 6:00 p.m. Saturday 9:00 a.m. 12:00 p.m. Daniel Village 2805 Wrightsboro Road, Augusta, GA Monday Thursday 9:00 a.m. 4:00 p.m. Friday 9:00 a.m. 6:00 p.m. Monday Thursday 9:00 a.m. 4:00 p.m. Friday 9:00 a.m. 6:00 p.m. West Town 3820 Washington Road, Martinez, GA Monday Thursday 9:00 a.m. 4:00 p.m. Friday 9:00 a.m. 6:00 p.m. Saturday 9:00 a.m. 12:00 p.m. Monday Thursday 7:30 a.m. 5:30 p.m. Friday 7:30 a.m. 6:00 p.m. Saturday 9:00 a.m. 12:00 p.m. Medical Center 1580 Walton Way, Augusta, GA Monday Thursday 9:00 a.m. 4:00 p.m. Friday 9:00 a.m. 6:00 p.m. Monday Thursday 9:00 a.m. 4:00 p.m. Friday 9:00 a.m. 6:00 p.m. Fury s Ferry 375 Fury s Ferry Road, Martinez, GA Monday Thursday 9:00 a.m. 4:00 p.m. Friday 9:00 a.m. 6:00 p.m. Monday Thursday 9:00 a.m. 4:00 p.m. Friday 9:00 a.m. 6:00 p.m. Evans 4349 Washington Road, Evans, GA Monday Thursday 9:00 a.m. 4:00 p.m. Friday 9:00 a.m. 6:00 p.m. Monday Thursday 7:30 a.m. 5:30 p.m. Friday 7:30 a.m. 6:00 p.m. Metro Atlanta Paces Ferry 415 E. Paces Ferry Road, Atlanta, GA Monday Friday 9:00 a.m. 4:00 p.m. Monday Friday 9:00 a.m. 4:00 p.m. Buckhead Tower Corporate Office 3399 Peachtree Road, Suite 1150 Atlanta, GA Two Midtown Plaza 1349 W Peachtree St NW, Suite 100 Atlanta, GA Monday Friday 9:00 a.m. 4:00 p.m. Alpharetta 2380 Old Milton Parkway Alpharetta, GA Monday Friday 9:00 a.m. 4:00 p.m. Monday Friday 9:00 a.m. 4:00 p.m. Duluth 1970 Satellite Blvd., Duluth, GA Monday Friday 9:00 a.m. 4:00 p.m. Monday Friday 9:00 a.m. 4:00 p.m. Marietta 250 Church Street NE, Marietta, GA Monday Friday 9:00 a.m. 4:00 p.m. Monday Friday 9:00 a.m. 4:00 p.m. Norcross 6170 Peachtree Parkway, Norcross, GA Monday Friday 9:00 a.m. 4:00 p.m. Monday Friday 9:00 a.m. 4:00 p.m. Middle Georgia Macon Bass Road 1535 Bass Road, Macon, GA Monday Thursday 8:30 a.m. 5:00 p.m. Friday 8:30 a.m. 6:00 p.m. Forsyth Road 4219 Forsyth Road, Macon, GA Monday Thursday 8:30 a.m. 5:00 p.m. Friday 8:30 a.m. 6:00 p.m. Saturday 8:30 a.m. 12:00 p.m. Hartley Bridge 4315 Hartley Bridge Road, Macon, GA Monday Thursday 8:30 a.m. 5:00 p.m. Friday 8:30 a.m. 6:00 p.m. Log Cabin 4699 Log Cabin Drive, Macon, GA Saturday 8:30 a.m. 12:00 p.m. Monday Thursday 8:30 a.m. 5:00 p.m. Friday 8:30 a.m. 6:00 p.m. Saturday 8:30 a.m. 12:00 p.m. 19

21 Northeast 614 Shurling Drive, Macon, GA Saturday 8:30 a.m. 12:00 p.m. Monday Thursday 8:30 a.m. 5:00 p.m. Friday 8:30 a.m. 6:00 p.m. Saturday 8:30 a.m. 12:00 p.m. Walnut 700 Walnut Street, Macon, GA Monday Thursday 8:30 a.m. 5:00 p.m. Friday 8:30 a.m. 6:00 p.m. Zebulon Road 5980 Zebulon Road, Macon, GA Saturday 8:30 a.m. 12:00 p.m. Monday Thursday 8:30 a.m. 5:00 p.m. Friday 8:30 a.m. 6:00 p.m. Saturday 8:30 a.m. 12:00 p.m. Athens 2234 West Broad Street, Athens, GA Monday Thursday 9:00 a.m. 4:30 p.m. Friday 9:00 a.m. 5:00 p.m. Monday Thursday 8:30 a.m. 4:30 p.m. Friday 8:30 a.m. 5:00 p.m. Gainesville 500 Jesse Jewell Pkwy, Gainesville, GA Monday Thursday 9:00 a.m. 4:30 p.m. Friday 9:00 a.m. 5:00 p.m. Monday Thursday 8:30 a.m. 4:30 p.m. Friday 8:30 a.m. 5:00 p.m. Glennville 205 S Veterans Blvd, Glennville, GA Monday Wednesday 9:00 a.m. 4:00 p.m. Thursday 9:00 a.m. 12:00 p.m. Friday 9:00 a.m. 6:00 p.m. Monday Wednesday 8:00 a.m. 4:30 p.m. Thursday 8:00 a.m. 12:00 p.m. Friday 8:00 a.m. 6:00 p.m. Saturday 8:00 a.m. 12:00 p.m. Gray 282 W. Clinton Street, Gray, GA Saturday 8:30 a.m. 12 p.m. Monday Thursday 8:30 a.m. 5:00 p.m. Friday 8:30 a.m. 6:00 p.m. Saturday 8:30 a.m. 12 p.m. Hinesville 119 East General Screven Way, GA Monday Friday 8:30 a.m. 5:00 p.m. Saturday 8:30 a.m. 12:00 p.m. Perry 1208 Washington Street, Perry, GA Saturday 8:30 a.m. 12:00 p.m. Monday Thursday 8:30 a.m. 5:00 p.m. Friday 8:30 a.m. 6:00 p.m. Saturday 8:30 a.m. 12:00 p.m. Reidsville 176 South Main Street, Reidsville, GA Monday Wednesday 9:00 a.m. 4:00 p.m. Thursday 9:00 a.m. 12:00 p.m. Friday 9:00 a.m. 6:00 p.m. Monday Wednesday 8:00 a.m. 4:30 p.m. Thursday 8:00 a.m. 12:00 p.m. Friday 8:00 a.m. 6:00 p.m. Saturday 8:00 a.m. 12:00 p.m. Savannah 120 Drayton Street, Savannah, GA Unadilla 2206 Pine Street, Unadilla, GA Drive Thru Hours Monday Thursday 8:30 a.m. 5:00 p.m. Friday 8:30 a.m. 6:00 p.m. Warner Robins Houston Lake 119 S. Houston Lake Road Warner Robins, GA Saturday 8:30 a.m. 12:00 p.m. Monday Thursday 8:30 a.m. 5:00 p.m. Friday 8:30 a.m. 6:00 p.m. Saturday 8:30 a.m. 12:00 p.m. Highway 96/Warren Drive 849 Warren Drive, Warner Robins, GA Monday Thursday 8:30 a.m. 5:00 p.m. Friday 8:30 a.m. 6:00 p.m. Saturday 8:30 a.m. 12:00 p.m. Mortgage Locations Aiken, SC 2150 Woodside Executive Court Aiken, SC Athens, GA 240 Old Epps Bridge Road Athens, GA Augusta, GA 2743 Perimeter Parkway Building 100, Suite 100 Augusta, GA Pooler, GA 138 Canal Street Suite 204 Pooler, GA Roswell, GA 32 Magnolia Street Roswell, GA Savannah, GA 7395 Hodgson Memorial Drive Suite 201 Savannah, GA Valdosta, GA 1801 Canterbury Drive Suite B Valdosta, GA

22 Appendix A SCHEDULE OF CHARGES Effective February 1, 2017 MISCELLANEOUS CHARGES Description Charge Description Charge Wire Transfer (Incoming Domestic)...$15.00 Wire Transfer (Outgoing Domestic)...$20.00 Wire Transfer (International)...$40.00 Paid Item (OD)...$35.00 Returned Item (NSF)...$35.00 Chargeback (Personal Accounts)...$10.00 Stop Payment...$35.00 Cashier s Check...$7.00 Collection/Foreign Item...$23.00 Dormant Account (per month - $60 max)...$5.00 Sweep Transfer...$10.00 Statement Copy 1...$5.00 Research (per copy)...$5.00 Research (per hour)...$25.00 Legal Processing (Garnishments, Levies)...$ Replacement ATM/Debit Card...$7.50 Foreign ATM Transaction...$1.50 International ATM/Debit Card Transaction...2% of amount Early Account Closing (60 days)...$15.00 Deposit Correction...$5.00 ACH Commercial ACH Monthly Maintenance/Cash Manager...$35.00 ACH File Origination (per file)...$0.65 ACH Credit (per item)...$0.09 ACH Debit (per item)...$0.09 ACH Block (per Company ID)...$25.00 ACH Returned Item...$10.00 ACH Decisioning...$10.00 ACH Reversal (per item)...$25.00 Unauthorized/Revoked ACH (per item)...$10.00 Same-day ACH (per item)...$1.50 Same-day ACH (per batch/file)...$0.70 Wire Transfers Wire In Domestic...$15.00 Wire Out Online Domestic...$12.00 Wire In International...$15.00 Wire Out Domestic...$20.00 Wire Out International...$40.00 Wire Recalls...$10.00 ONLINE SERVICE CHARGES Charge Standard Proof of Payment (per copy)...$10.00 Person to Person Payments Reinstate...$50.00 ACH Return (per item)...$10.00 Return Payment (per occurrence)...$5.00 Physical Token...$12.00 Digital Token...Free COMMERCIAL CHARGES Commercial Service Charges Negative Collected Balance...16% annualized Chargeback...$10.00 CD ROM Statement/Images...$25.00 Make a Deposit Monthly Maintenance...$7.50 Account Printout...$5.00 Duplicate Statement...$5.00 Deposit Correction...$5.00 Enhanced Reporting Module...$10.00 Cash/Coin...$0.15/$100 Remote Deposit Monthly Maintenance/Scanner...$30/$50 Monthly Maintenance/No Scanner...$20.00 Per Deposit...$0.45 Per Deposited Item...$0.12 Positive Pay Setup...$ Monthly Maintenance...$50.00 Exception (per exception)...$10.00 Business Analysis Checking Account Monthly Account Maintenance...$20.00 Deposit Made...$0.45 Electronic Debit...$0.15 Electronic Credit...$0.15 Deposit Items...$0.12 Checks Written...$0.15 Zero Balance Account Account Setup...$30.00 Master Account Monthly...$30.00 Sub-Account Monthly...$7.50 Target Sweep Account Account Setup...$30.00 Master Account Monthly...$30.00 Sub-Account Monthly...$7.50 Repo Account Account Setup...$ Monthly...$ For statement copy requests in addition to the regular monthly statements. 21

23 Appendix B BOUNCE PROTECTION PROGRAM At times, unanticipated expenses or unforeseen problems can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be a costly, inconvenient and potentially embarrassing experience. At State Bank, we do not encourage overdrafts. As always, we encourage you to manage your finances responsibly. However, we want to save you from the additional merchant fees and possible damage to your credit history that might result if a check is returned. That s why we provide Bounce Protection, a special overdraft service for State Bank s customers. What is Bounce Protection? Bounce Protection is a discretionary overdraft service requiring no action on your part that provides you a safety net up to an automatically assigned overdraft limit. Your Bounce Protection limit may be available for checks and other transactions made using your checking account number or automatic bill payment and recurring debit card payment. Also, at your request, we may authorize and pay ATM transfers or withdrawals and everyday debit card purchases using your limit. What does my Bounce Protection cost? There is no additional cost associated with this privilege unless you use it. You will be charged our paid item charge of $35 for each overdrawn item created by a traditional paper-based check, a teller withdrawal, an automatic payment (ACH) transaction, or a recurring debit card payment. Also, automatically on business accounts, and if you requested us to do so on personal accounts, we may authorize and cover ATM transfers or withdrawals and everyday debit card purchases. For example, three paid items in one day will result in $105 in paid item charges. To help you manage your account, the total fees you have paid for items (both paid and returned) during the current month and for the year-to-date will be reflected on your monthly checking statement. What is my Bounce Protection limit? If I have two checking accounts, can I get Bounce Protection on both? Locate your account type below and make note of the corresponding limit. If you have multiple accounts for your household, you may have a limit on all eligible accounts. Basic Checking $500 Personal Checking $ Free Interest Checking $500 Personal echecking $500 Premium Select Checking $1,000 Business echecking $1,000 Micro Business Checking $1,000 Business Checking $1,000 What if I go beyond my Bounce Protection limit? Overdrafts above and beyond your established Bounce Protection limit may result in checks or other items being returned to the payee. The returned item charge of $35 will be charged per item and assessed to your account. An OD/NSF notice will be sent to notify you of items paid and/or returned. How does Bounce Protection work? As long as you maintain your account in good standing, we may approve your overdraft items within your current available Bounce Protection limit as a non-contractual courtesy. For Bounce Protection consideration, your account is in good standing if you (1) make sufficient deposits to bring your account to a positive end-of-day balance at least once every 30 calendar days (including the payment of all bank fees and charges); (2) avoid excessive overdrafts suggesting the use of Bounce Protection as a continuing line of credit; and (3) there are no legal orders, levies or liens against your account. Please note that the amount of the overdraft plus our paid item charge of $35 for each item will be deducted from your overdraft limit. If the item is returned, the returned item charge of $35 will be deducted from your account. No interest will be charged on the overdraft balance. Please refer to the customer overdraft policy for additional details. How do I know when I use the overdraft limit? You will receive an overdraft notice each time items are paid, including fees. You will need to subtract the total fees when balancing your check book. 22

24 How quickly must I repay my Bounce Protection? You should make every attempt to bring your account to a positive end-of-day balance as soon as possible, and you must do so within 30 calendar days. If you are not able to do so, you will receive a letter from State Bank informing you that your Bounce Protection limit has been suspended and additional items will be returned. Unless we advise you differently or you request this service be removed from your account, your limit will be made available to cover overdrafts again after you bring your account to a positive end-of-day balance. What if I am having trouble repaying my Bounce Protection or use it frequently? Please contact us at if: (1) you do not believe you will be able to bring your account to a positive end-of-day balance within the required time period; (2) find that you are using Bounce Protection more often than you intend; or (3) don t understand why your account becomes overdrawn. We would like to discuss your situation with you. Following regulatory guidance, we will contact you if you are paying multiple paid item charges. If you have more than six fees in a rolling 12-month period, we will discuss possible alternatives to Bounce Protection that may better meet your short term credit needs. In the event you ask us to stop contacting you because you have determined Bounce Protection is appropriate for your needs, we will honor your wishes. However, if we identify that the number and frequency of overdrafts increases materially for an extended period of time at some point after that, we may contact you again to ensure Bounce Protection is still the most appropriate option available to you for covering your short term credit needs. How soon can I use my Bounce Protection? If you are a new customer, we will advise you one or more days after your account is opened that you may use the Bounce Protection service. This is provided you have maintained satisfactory activity in the account, including regular deposits, consistent with our internal standards for new account types that may offer Bounce Protection. Once you are notified your Bounce Protection limit is available to you, it may continue to be available provided you maintain the account in good standing as defined in this brochure. What are some of the ways I can access my Bounce Protection limit? Will my limit be reflected in the balance I receive? The chart below shows the different ways you can access your Bounce Protection limit and indicates whether or not this limit will be reflected in the balance provided. ACCESS POINTS IS MY BOUNCE PROTECTION AVAILABLE? DOES THE BALANCE PROVIDED REFLECT MY BOUNCE PROTECTION LIMIT? Teller Yes No Writing a Check Yes N/A Debit Card (recurring) Yes N/A Debit Card (everyday) No* N/A ATM Withdrawal No* No ACH Auto Debit Yes N/A Online Banking Yes No Telephone Banking Yes No What are some other ways I can cover overdrafts at State Bank? The best way to avoid overdrafts and fees is to keep track of your account balance by entering all checks, debit card purchases and ATM withdrawals in your check register, reconcile your check book regularly and manage your finances responsibly. However, if a mistake occurs, State Bank offers additional ways to cover overdrafts in addition to Bounce Protection. WAYS TO COVER OVERDRAFTS AT STATE BANK EXAMPLE OF ASSOCIATED FEES Good account management $0 Link to another account Bounce Protection $10 daily sweep transfer charge* Paid item charge *This information is effective as of February 2017 and is provided as examples. Please ask us about our current specific products, rates and fees. 23

25 What if I do not want to have Bounce Protection on my account? If you would like to have this service removed from your account, please call Bounce Protection Customer Overdraft Policy An insufficient balance can result from several events, such as (1) the payment of checks, electronic funds transfers or other withdrawal requests; (2) payments authorized by you; (3) the return of unpaid items deposited by you; (4) bank service charges; or (5) the deposit of items which, according to the bank s Funds Availability Policy, are treated as not yet available or finally paid. We are not obligated to pay any item presented for payment if your account does not contain sufficient funds. As long as you maintain your account in good standing, we may approve your overdraft items within your current available Bounce Protection limit as a non-contractual courtesy. For Bounce Protection consideration, your account is in good standing if you (1) make sufficient deposits to bring your account to a positive end-of-day balance at least once every 30 calendar days (including the payment of all bank fees and charges); (2) avoid excessive overdrafts suggesting the use of Bounce Protection as a continuing line of credit; and (3) have no legal orders, levies or liens against your account. In the normal course of business, we generally pay electronic transactions first and then checks and other items in serial number order, or if no serial number is visible, from lowest amount to highest amount, per the bank s policy. We reserve the right to change the order of payment without notice to you if we suspect fraud or possible illegal activity affecting your account. Also, please be aware that the order of item payment may create multiple overdraft items during a single banking day for which you will be charged our paid item charge of $35 for each overdraft item paid. made, it is due no later than 30 calendar days after the creation of the overdraft. If there is an overdraft on an account with more than one owner on the signature card, each owner and agent, if applicable, shall be jointly and severally liable for all overdrafts inclusive of fees. Bounce Protection should not be viewed as an encouragement to overdraw your account. To avoid fees, we encourage you to keep track of your account balance by entering all items in your check register, reconcile your check book regularly and manage your finances responsibly. If you would like to have this service removed from your account, please call Please note that your Bounce Protection limit may be available for each item paid under the limit created by checks and other transactions made using your checking account number, such as a teller withdrawal, an automatic payment (ACH) transaction, or automatic bill payment and recurring debit card payment. Also, at your request, we may authorize and pay ATM transfers or withdrawals and everyday debit card purchases using your limit. The limit will not be included in the balance provided during an inquiry. LIMITATIONS: Bounce Protection is a non-contractual courtesy that is available to individually/jointly owned accounts in good standing for personal or business use. State Bank reserves the right to limit participation to one account per household and to suspend, revoke, or discontinue this service without prior notice. Unless we advise you differently or you request this service be removed from your account, your limit will be made available to cover overdrafts again after you bring your account to a positive end-of-day balance. You may opt out of the privilege at any time, but you are responsible for any overdrawn balances at the time of opting out. Normally, we will not approve an overdraft for you in excess of the predetermined amount assigned to your account type. So as not to exceed your limit, please note that the amount of the overdraft plus the bank s paid item charge of $35 per item will be deducted from the overdraft limit. We may refuse to pay an overdraft item at any time even though we may have previously paid overdrafts for you. For example, we typically do not pay overdraft items if your account is not in good standing as defined above, or, if based upon our review of your account management, we determine that you are using Bounce Protection excessively or seem to be using Bounce Protection as a regular line of credit. You will be charged a returned item charge of $35 for each item returned. You will be promptly notified of any non-sufficient funds items paid or returned that you may have; however, we have no obligation to notify you before we pay or return any item. The amount of any overdraft including our paid item charge of $35 and/or a returned item charge of $35 that you owe us shall be due and payable upon demand, but if no demand is 24

26 Appendix C SWITCH IT Automatic Payments and Direct Deposits Complete and submit a copy of this form to redirect each of your automatic payments and direct deposits. Mail this form to the appropriate business or merchant authorized to access your account. If you currently receive a federal benefit via direct deposit, please contact your banking representative to ensure a quick and accurate switch of these funds to your new account. From (Enter your personal information here.) CUSTOMER NAME CUSTOMER ADDRESS CITY STATE ZIP CODE SOCIAL SECURITY NUMBER (IF REQUIRED) PHONE NUMBER PLEASE REDIRECT MY: Direct Deposit Automatic Payment EFFECTIVE Immediately Beginning / / To (Enter the business or merchant you want deposits directed from or payments directed to here.) NAME ADDRESS CITY STATE ZIP CODE New Account Information ABA ROUTING NUMBER ACCOUNT NUMBER SIGNATURE Checking Savings Money Market DATE Tear out this page and make copies to provide to businesses or merchants for each of your automatic payments and direct deposits. 25 statebt.com

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