City National Bank Personal Banking

Transcription

1 City National Bank Personal Banking Product and Service Guide Effective July 9, 2018

2 Creating A Masterpiece

3 In one way or another, you are creating a work of art formed by the life you live and every decision you make. Your work is refined and perfected as you achieve each personal goal. In time, you could create a masterpiece. How do we know? Because we have journeyed with countless clients who have already done it. We have partnered with those who have achieved success forged from inspiration, dedication, and the support of a bank that knows and nurtures them. And now we re here for you, too. Your experience at City National Bank (CNB) will be unique in many ways. You will always reach a caring, knowledgeable person when you call us. We are Florida s Big Bank Alternative. City National Bank has $11 billion in assets and is one of the strongest and best capitalized banks in Florida. You can count on us. You can also count on a very high level of personal service. We have been recognized by industry peers and clients alike who have designated us best-in-class in a wide range of product and service categories. We believe these accolades are a result of how we relate to you, our client. While most banks handle transactions, City National Bank builds relationships. Thank you for giving us the opportunity to help you create your masterpiece.

4 Important Information Enclosed with your package is an Important Information insert that has milestone dates and actions you will need to take as the conversion date approaches. Additional information on account fees and cutoff times for certain services can be found in the Terms and Conditions booklet mailed to you earlier. If you have questions, please call us at What You Need To Know Friday, July 6 All TotalBank locations will close at 4pm. TotalBank s Online Banking will be available until 4pm. Weekend of July 6 TotalBank systems and accounts will be converted to CNB. During this time, there will be some system limitations, and some systems may be offline. ATM and debit card transaction limits may be lowered, and account information may not be updated until July 9, We apologize for the inconvenience. Monday, July 9 All former TotalBank locations will open as City National Bank (CNB) locations with regular posted hours. Start using your CNB account(s). Start using your City National Bank ATM/Debit card(s) and destroy your TotalBank ATM/Debit card(s). Please refer to the Important Information insert for additional details.

5 table of contents Account Conversion Personal Checking Accounts... 4 Personal Money Market/Savings Accounts Personal Banking... 6 Checking Accounts... 7 Money Market & Savings Accounts... 8 Certificates of Deposit Online Services Free Online Banking Free Online Bill Payment Free Online Statements Free Reminder Alerts Free Mobile Banking App Residential Mortgages Private Client Group Deposit Solutions Personal Money Market Gold Account Business Solutions Private Client Lending Solutions Awards and Recognition Locations Miami-Dade County Broward County Palm Beach County Orlando... 20

6 Account Conversion Services In Support of Your Deposit, Saving, and Borrowing Needs City National Bank was founded on a philosophy of superior client service the kind that is all but extinct in other banks. But not here. This is where you come when you want to know that YOU are known. While we re large in product offerings and technological convenience, we re small enough to provide service just the way you want it. Our experienced professionals will customize a solution for you whether you need service in the realm of lending, savings, or deposits. These charts show you the name of your new CNB account(s) and tell you which pages have detailed benefits. In addition to information on your own account(s), this guide also introduces you to other services available from City National Bank. Personal Checking Accounts If your TotalBank account was: Your CNB account will be: Details on Page Total Value Personal Checking Regular Checking 7 Totally Seniors Regular Checking 7 Totally First Checking Regular Checking 7 International Personal Checking International Personal Checking USD 7 International Personal Interest Checking International Personal Checking USD 7 Total Interest Checking Interest Checking Exchange Interest Checking Interest Checking 7 Total EURO Demand Deposit Personal Total GBP Demand Deposit Personal Personal EURO Checking 7 Personal GBP Checking 7 TotalBank At Work CNB@Work Checking 7 4

7 Personal Money Market/Savings Accounts If your TotalBank account was: Your CNB account will be: Details on Page Regular Savings Regular Savings 8 Total e-savings Regular Savings 8 Savings Account Miami Saves Regular Savings 8 Minor Savings Youth Savings 8 Rewards Personal Money Market Money Market Deposit 8 Relationship Personal Money Market <$50k as of July 6, 2018 Money Market Deposit 8 PCG Preferred Money Market PE Money Market Deposit 8 Relationship Personal Money Market >=$50k as of July 6, 2018 International Personal Money Market International Personal Relationship Money Market International Personal Savings Total EURO Money Market Personal Money Market Gold Deposit 8 International Personal Money Market USD International Personal Money Market USD International Personal Money Market USD Personal EURO Money Market Total GBP Money Market Personal GBP Money Market 8 5

8 6 personal banking

9 Checking Accounts All CNB Personal Checking Accounts Offer the Following Features and Benefits: Free Online Banking and Bill Pay Free CityTel 24/7 Telephone Banking Free Mobile App Free Online Statements Free Visa Check Card Free Notary Services Free access to City National Bank ATMs Visa is a registered trademark of Visa International and more than 1,000 Presto ATMs Services Association. Regular Checking Description: Basic Personal Checking Account If balance falls below required minimum, Monthly Maintenance Fee: $15 Minimum to Open: $100 Minimum Balance to Avoid Monthly Maintenance Fee: $750 Minimum Daily or $1,500 Minimum Average Monthly Per Item Charge: $0.00 Features: Free Unlimited Check Writing Interest Checking Description: Interest-bearing Personal Checking Account If balance falls below required minimum, Monthly Maintenance Fee: $15 Minimum to Open: $100 Minimum Balance to Avoid Monthly Maintenance Fee: $1,500 Minimum Daily or $2,500 Minimum Average Monthly Per Item Charge: $0.35 CNB@Work Checking Description: Personal Checking for Employees of CNB Commercial Banking Clients No Monthly Maintenance Fee Minimum to Open: $0.00 Per Item Charge: $0.00 Features: Very low cost No Maintenance Fee, No Minimum Balance Requirements International Personal Checking USD Description: Personal Checking Account for International Clients If balance falls below required minimum, Monthly Maintenance Fee: $25 Minimum to Open: $25,000 Minimum Balance to Avoid Monthly Maintenance Fee: $25,000 Per Item Charge: None Personal EURO Checking Description: Personal Checking Account for International Clients in Euros If balance falls below required minimum, Monthly Maintenance Fee: 50 Minimum to Open: 50,000 Minimum Daily Balance to Avoid Monthly Maintenance Fee: 50,000 Per Item Charge: 0.00 Personal GBP Checking Description: Personal Checking Account for International Clients in British Pounds If balance falls below required minimum, Monthly Maintenance Fee: 50 Minimum to Open: 50,000 Minimum Daily Balance to Avoid Monthly Maintenance Fee: 50,000 Per Item Charge:

10 Money Market & Savings Accounts 8 Regular Savings Description: Basic Personal Savings Account If balance falls below required minimum, Monthly Maintenance Fee: $5 Minimum to Open: $100 Minimum Average Monthly Balance to Avoid Monthly Maintenance Fee: $500 Minimum Daily Collected Balance to Earn Disclosed APY: $100 If Transactions Exceed the Legal Limit: $10 each Youth Savings Description: Personal Savings Account for Minors (<18 years old) No Monthly Maintenance Fee Minimum to Open: $50 Minimum Balance to Avoid Monthly Maintenance Fee: $0.00 Minimum Daily Collected Balance to Earn Disclosed APY: $0.00 If Transactions Exceed the Legal Limit: $10 each Money Market Deposit Description: Personal Money Market Account If balance falls below required minimum, Monthly Maintenance Fee: $15 Minimum to Open: $3,500 Minimum Average Monthly Balance to Avoid Monthly Maintenance Fee: $3,500 Minimum Daily Collected Balance to Earn Disclosed APY: $3,500 If Transactions Exceed the Legal Limit: $10 each Money Market Gold Deposit Description: High Balance Personal Money Market Account If balance falls below required minimum, Monthly Maintenance Fee: $15 Minimum to Open: $50,000 Minimum Average Monthly Balance to Avoid Monthly Maintenance Fee: $50,000 If Transactions Exceed the Legal Limit: $10 each International Personal Money Market USD Description: High Balance Personal Money Market Account for International Clients If balance falls below required minimum, Monthly Maintenance Fee: $25 Minimum to Open: $25,000 Minimum Average Monthly Balance to Avoid Monthly Maintenance Fee: $25,000 Minimum Daily Collected Balance to Earn Disclosed APY: $25,000 If Transactions Exceed the Legal Limit: $10 each Personal EURO Money Market Description: High Balance Personal Money Market Account for International Clients in Euros If balance falls below required minimum, Monthly Maintenance Fee: 50 Minimum to Open: 50,000 Minimum Daily Balance to Avoid Monthly Maintenance Fee: 50,000 Minimum Daily Collected Balance to Earn Disclosed APY: 10,000 Personal GBP Money Market Description: High Balance Personal Money Market Account for International Clients in Euros If balance falls below required minimum, Monthly Maintenance Fee: 50 Minimum to Open: 50,000 Minimum Daily Balance to Avoid Monthly Maintenance Fee: 50,000 Minimum Daily Collected Balance to Earn Disclosed APY: 10,000

11 Certificates of Deposit* Certificate of Deposit Minimum to Open: $1,000 Minimum Balance to Earn Disclosed APY: $1,000 Individual Retirement Account (IRA) Certificate of Deposit Minimum to Open: $500 Minimum Balance to Earn Disclosed APY: $500 International Personal Certificate of Deposit USD Minimum to Open: $25,000 Minimum Balance to Earn Disclosed APY: $25,000 Personal EURO Certificate of Deposit Minimum to Open: 25,000 Minimum Balance to Earn Disclosed APY: 25,000 Jumbo Certificate of Deposit Minimum to Open: $100,000 Minimum Balance to Earn Disclosed APY: $100,000 Personal GBP Certificate of Deposit Minimum to Open: 25,000 Minimum Balance to Earn Disclosed APY: 25,000 * Certain transaction limitations, fees, and balance requirements to earn interest may apply. Certificates of Deposit are subject to early withdrawal penalties. Refer to Disclosures and Schedule of Fees for Personal Accounts.

12 10 Online Services

13 At CNB, we strive to continually improve your Online Banking experience. Visit citynationalcm.com/home/online/demos to experience our online platform for yourself. Free Online Banking Check balances and review account activity Transfer funds between accounts View monthly statements View images of paid checks Reorder checks Stop payments Receive alerts when your balance is low, when bills have been paid, and to remind you of personal appointments Travel notifications Free Online Bill Payment Make one-time or recurring payments on your own schedule View payment history Receive bills online using Presentment, a service that allows you to have your payees send invoices to you electronically View images of paid checks Free Online Statements Free Reminder Alerts Know when your balance goes below or above an amount you determine Know your balances in multiple accounts on a recurring basis Know when scheduled transfers are about to end so you can extend if necessary Set up personal reminders such as birthdays, anniversaries, and medical appointments Free Mobile Banking App Bank on the go using our app for iphone, ipad, or Android! City National Bank offers the latest technology to help you access your accounts quickly and securely. Touch ID for iphones allows you to sign into Online Banking with your fingerprint Mobile Deposit for iphone, ipad, and Android users allows you to deposit checks using your phone Digital Pay allows you to add your CNB Visa card to your mobile wallet and pay directly from your phone wherever mobile pay is accepted View statements online 24/7 Print or save statements whenever you need them Reduce the risk of lost or stolen statements Eliminate the clutter of filing and storing paper statements 11

14 Residential Mortgages There s a City National Bank residential mortgage that s right for you. At City National Bank, Solution-Driven Lending means: Each and every loan is underwritten locally We will develop an innovative and flexible solution to meet your needs You have many loan options from which to choose PLUS, you have multiple ways to qualify with higher Debt-to-Income (DTI) ratios and our consideration of your liquidity. Every mortgage is different because every borrower is unique. That s why we offer home mortgages in every shape and size, flexible and innovative. Jumbo & Super Jumbo Loans Loan amounts up to $5 million* Fixed and Adjustable Rate Mortgages Lock & Shop Lock in your rate and shop for your home Up to 90% Loan to Value (LTV) Portfolio Lending means greater flexibility Streamlined application, approval and closing process 12

15 Professionals Program Designed specifically for Attorneys, Physicians, CPAs, and Dentists Up to 97% Loan to Value (LTV) Loans to $3 million Construction to Permanent One-Time Close For new home construction Permanent rate locked at time of construction loan closing Single upfront closing cost Bridge Loans Loans secured by currently owned residential real estate. Allows the homeowner to use the equity from the current home during the selling process to assist in the purchase of a new home. When the bridge loan home sells, the loan is paid in full. Loans to $2 million Interest-only payments with final balloon payment Conventional Mortgages Loans to $453,100 Fixed and Adjustable Rates Up to 95% Loan to Value (LTV) Loans for Foreign Nationals Loan amounts up to $5 million* Fixed and Adjustable Rate Mortgages Second and Investment Homes For Purchase and Refinance Portfolio Lending means greater flexibility Streamlined application, approva, and closing process Expanded LTVs for Canadian, Chilean, and United Kingdom (UK) borrowers** Home Equity Lines of Credit Available for first mortgages up to $5 million and second mortgages up to $1.5 million Reduced Closing Costs Plans Flexible payment features including interest-only option or 1.5% of average monthly balance CitySmart Mortgage City National Bank s program to make homeownership more accessible Low to Moderate Income Borrowers First Time Homebuyers Down payment assistance programs Local decision-making with loan approval flexibility Streamlined application, approval, and closing process To apply, or for more information, call us at All loans subject to credit approval and program requirements. *Loans over $5 million will be considered on a case-by-case basis. ** Borrowers from Canada, Chile, and UK, if able to document full income and asset verification, may utilize standard product guidelines for eligibility. If not able to document income, borrowers from Canada, Chile, and UK will be eligible under NRA guidelines. 13

16 14 Private Client Group

17 Services In Support of Our High-Net-Worth Clientele City National Bank is eminently attuned to the complex banking needs of those with high net worths. Our clients include business owners, entrepreneurs, physicians, attorneys, CPA firms, law firms, and other professionals. Your private banker will tailor credit and deposit banking solutions to your specific goals, giving you strategic access to your funds. Enjoy unparalleled personal attention as a City National Bank private banking client. Call us at to begin. Deposit Solutions Personal accounts Checking accounts Free safe deposit box (3" x 5") Free cashier s checks Free Online Banking with Bill Pay Free ATM or Visa debit card Free direct deposit Free notary services Personal Money Market Gold Account A higher-paying Money Market Account with a minimum balance of $50,000 Business Solutions Business checking accounts Commercial money market, savings, and CDs Private Client Lending Solutions We approach lending from your point of view. We create financing opportunities that are highly customized with fast, local decision-making. Jumbo residential mortgages Residential construction-to-permanent loans Home equity lines of credit Working capital and term loans for your business Personal lines of credit Loans to purchase luxury autos, yachts, and planes Lending to meet estate planning needs Loans to purchase existing practices Partner capital loans Equipment financing Commercial real estate loans (owner occupied) Leasehold improvement loans Wire transfers 15

18 16 awards and recognition

19 Time and again, our clients inspire us to be the best. Recognized for personal relationships, best-in-class service, and local decision-making. Best Community Bank Readers of the Daily Business Review Best Bank to Work For American Banker Best Business Bank Readers of the Daily Business Review Best Private Bank Readers of the Daily Business Review 5-Star Superior Rating BauerFinancial Best Foreign National Mortgage Lender Readers of the Daily Business Review Best Bank for Commercial Real Estate Lending Readers of the Daily Business Review Outstanding Community Reinvestment Rating Office of the Comptroller of the Currency Best Bank for Jumbo Loans Readers of the Daily Business Review Platinum Winner, Financial Services Florida Community Association Journal Ovations Award for Best Bank Winter Park Chamber of Commerce Most Consumer Friendly Big Bank Florida Bank Complaint Analysis 17

20 locations These will be your banking centers at the completion of the conversion process. For an active list of locations and ATMs, visit citynationalcm.com/home/findus. Miami-Dade County 18 19th Street Drive-Thru 1920 SW 27 Avenue Miami, FL st Street 475 Arthur Godfrey Road Miami Beach, FL st Street st Street Miami Beach, FL Aventura 2999 NE 191 Street, Suite 100 Aventura, FL Bird Road 8311 SW 40 Street Miami, FL / Sat: 9am to 1pm Dive-through: Mon Thurs: Brickell 800 Brickell Avenue Miami, FL Coral Gables 2855 LeJeune Road Coral Gables, FL Coral Way 2720 Coral Way Miami, FL Doral 8790 NW 25 Street Doral, FL Downtown Flagler 25 West Flagler Street Miami, FL :30am to 4pm / Fri to 5pm Galloway 6975 SW 87th Avenue Miami, FL

21 Hialeah 5410 W. 16 Avenue Hialeah, FL Kendall SW 88 Street Miami, FL London Square SW 120 Street Miami, FL Miami Tower 100 SE 2 Street Miami, FL :30am to 4pm / Fri to 5pm North Miami 1865 NE 123 Street North Miami, FL / Sat: 9am to 1pm Palmetto Bay South Dixie Highway Palmetto Bay, FL am to 4pm / Fri to 6pm Pinecrest South Dixie Highway Miami, FL South Beach 446 Collins Avenue Miami Beach, FL South Miami 6388 South Dixie Highway South Miami, FL am to 4pm / Fri to 6pm 8:30am to 5pm / Fri to 6pm West Miami 5782 SW 8 Street Miami, FL

22 locations (cont.) Broward County Coral Springs 9750 West Atlantic Boulevard Coral Springs, FL am to 4pm / Fri to 6pm 8:30am to 5pm / Fri to 6pm Hallandale 1995 E. Hallandale Beach Blvd. Hallandale Beach, FL Palm Beach County Boca Del Mar 7000 W. Palmetto Park Rd., #100 Boca Raton, FL am to 4pm / Fri to 5:30pm 8:30am to 5pm / Fri to 5:30pm Boca Raton 641 South Federal Highway Boca Raton, FL am to 4pm / Fri to 5:30pm 8:30am to 5pm / Fri to 5:30pm Orlando Downtown Orlando 355 North Orange Avenue Orlando, FL Lobby: Mon Fri: 8:30am to 5pm Winter Park 976A Orange Avenue Winter Park, FL Lobby: Mon Fri: 8:30am to 5pm Drive-through: Mon Fri: 8:30am to 5pm 20 Las Olas 450 East Las Olas Boulevard Fort Lauderdale, FL :30am to 4:30pm / Fri to 5:30pm Pompano Beach 10 North Federal Highway Pompano Beach, FL Young Circle 1845 Hollywood Boulevard Hollywood, FL Delray Beach 1120 South Federal Highway Delray Beach, FL am to 4pm / Fri to 5:30pm 8:30am to 5pm / Fri to 5:30pm Our clients can also use over 1,000 Presto ATMs (located at Publix supermarkets) at no charge. Find a complete listing of our ATM locations on citynational.com or using the CNB app on your mobile device.

23 Miami-Dade County Broward County Palm Beach County Orlando 21

24 Contact Us Questions specific to account transfer to CNB: Main phone number: or CityTel 24-hour telephone banking and debit or ATM card support: Online Banking and Bill Payment support: or CNB-EPAY ( ) Locate Us For a list of our locations, visit citynationalcm.com/home/findus We are large enough to give you what you want and small enough to provide it the way you want it citynational.com Member FDIC CNBRPG /rev070118