Personal Account Conversion Guide

Wel com e to Pl a i nsCa pita l Ba n k
Persona l Accou nt C onversion Gu ide
W hat you need to k now
Welcome to PlainsCapital Bank! We look forward to getting to know you. At
PlainsCapital, we strive to efficiently serve your financial needs and to make every
experience you have with us an enjoyable one.
PlainsCapital Bank is a large community bank with a 27-year history of strength
and stability. We attribute our soundness to the caliber of our leadership team, the
expertise of our bankers, and the loyalty of our customers. That loyalty speaks
volumes-it says that we always have our customers’ best interests at heart.
Beginning in April, you will have access to PlainsCapital Bank’s 70 branch locations
across Texas as well as new products and services—including value-added deposit
accounts and advanced online and mobile solutions. Although we offer all the
Jerry L. Schaffner
President & CEO
PlainsCapital Bank
sophisticated services you’d expect to find at a large national bank, we never lose
sight of what our business is really all about—working closely with you to help you
achieve your financial goals.
From April 10 through 13, we’ll be converting your former Southwest Securities,
FSB products and services to those of PlainsCapital Bank. In this guide, you’ll find
information on the conversion, including important dates and details about our
deposit accounts, loans, and online and mobile banking offerings. Please take time
to review the guide carefully.
We know you may have questions during and after the conversion, and we’re ready
to help. If you need assistance, please don’t hesitate to call us at 866.762.8392 or visit
your local branch.
Thank you for your patience during this transition. We look forward to being your
financial partner and providing you with service beyond expectations!
Sincerely,
Jerry L. Schaffner
TA BL E OF C ON T E N T S
What You Can Expect
3
Conversion Checklist
4
Online Banking
5
Bill Pay
7
Mobile Banking
8
Personal Checking
9
Personal Savings
11
Account Transfers
11
Certificates of Deposit
12
Personal Loans and Credit
12
Checks and Routing Numbers
13
Debit Cards
13
EZShield Fraud Protection
14
Voice Banking
14
Safe Deposit Boxes
15
What You Need to Know About Overdrafts
15
Statements
16
Frequently Asked Questions
16
I M P ORTA N T DAT E S
The Conversion of Southwest Securities, FSB (SWS, FSB) to PlainsCapital Bank will begin at 6 p.m. (Central Time) on
Friday, April 10 and is scheduled to be completed by 8 a.m. on Monday, April 13. Please note the following important
dates and deadlines.
APRIL 3 AT 12 P.M. NOON Last bill pay processing date. SWS,
FSB bill pay is retired and no bills will be paid after this date.
(More information on Page 7).
APRIL 10 AT 3 P.M. Deadline to submit ACH transactions, wire
transfers and Online Banking account transfers. Online
Banking goes into view-only mode.
APRIL 12 AT 7 P.M. Former SWS, FSB Online Banking and
Voice Banking are retired.
APRIL 13 AT 8 A.M. Your new PlainsCapital Bank accounts are
live! You may access your new Online Banking and sign up for
Bill Pay, Mobile Banking, and Voice Banking services.
April 2015
Sunday
Monday
Tuesday
Wednesday
Thursday
Friday
Saturday
29
30
31
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
1
1
2
JUNE 30 AT 5 P.M. Deadline to get a free box of replacement
checks featuring the PlainsCapital logo and routing number.
2
W H AT YOU C A N E X PE C T
Please see below for a quick summary of what’s changing and what’s not during conversion weekend.
W H AT ' S N E W O R C H A N G I N G
The features of your deposit accounts.
Your Current Debit Card.
You’ll enjoy brand new deposit account types
with PlainsCapital. See pages 9-12
Continue to use your current SWS, FSB debit card
through April 12.
The PlainsCapital Routing Number.
Your deposit account numbers.
PlainsCapital Bank’s Routing and Transit number
is 111322994, but the SWS, FSB routing number
will continue to be accepted. See page 13
Your account numbers won’t change (unless we’ve
informed you otherwise).
Your new PlainsCapital Debit Card.
SWS, FSB debit cards will be deactivated on
April 13. New PlainsCapital Bank Debit Cards
will be mailed starting March 30.
Your Online Banking login location.
Starting April 13 visit PlainsCapital.com to log in
to Online Banking. See pages 5-6
Your Internet Banking password.
You’ll create a new password the first time you log
in to PlainsCapital Online Banking.
See pages 5-6
Your Online Banking Account Transfers.
Fund transfers you established in Online Banking
will need to be re-entered in PlainsCapital Online
Banking. See page 11
Your Bill Pay payees.
You will need to re-create your payees in the
PlainsCapital Bill Pay system. See page 7
Your Bill Pay date selection.
You can now choose the date you want funds to
leave your account. See page 7
New Mobile Banking App.
You’ll have access to PlainsCapital’s Mobile
Banking App for iPhone, iPad, and Android
phone and tablet devices. See page 8
The Voice Banking phone number.
Update your contacts to reflect the PlainsCapital
Voice Banking number: 866.762.7782. See page 14
3
W H AT ' S N O T C H A N G I N G
Your loan account numbers.
Your account numbers won’t change (unless we’ve
informed you otherwise).
Your accounts remain FDIC insured.
All PlainsCapital deposit accounts remain
insured by the FDIC up to the maximum amount
allowable by law.
Your Internet Banking login ID.
Your login ID won’t change (unless we’ve
informed you otherwise). See pages 5-6
Your recurring account transfers.
Funds transfers established by bank
representatives will move seamlessly to
PlainsCapital. See page 11
Your statement delivery.
You’ll continue to receive your monthly account
statements the way you prefer: paper or
eStatements. See page 16
Same great customer service.
You’ll continue to get the same great service
you’ve come to expect from your bank.
C ON V E R S ION C H E C K L I S T
B E F O R E C O N V E R S IO N B E G I N S
Carefully read the cover letter included with this booklet, and review your recommended account types in the
comparison charts on pages 9-11. If you would like to select a different account type for any of your services with us,
just visit any former SWS, FSB branch.
Retain or print your SWS, FSB account statements. Be sure to print or download your Bill Pay payee and payment
history for your records as this information will not be transferred to PlainsCapital Bill Pay.
Verify/update your email in online banking before April 10. To update your email address, simply log into your
existing SWS, FSB online banking account, click on the Options Tab and click the Edit button next to Email. Once
you enter and confirm your email address simply click Submit. A valid email address will be required for
authorization during your first-time login to PlainsCapital Online Banking on or after April 13.
All Online Banking transactions must be completed by 3 p.m. on April 10. Online Banking will be available in
view-only mode during conversion weekend. Any recurring or future-dated account transfers will not be converted.
Schedule all Bill Payments to be paid by April 3. Bill Pay will retire at 12 p.m. noon on April 3. If you have payments
scheduled for April 4 – 12, be sure to delete them from the Bill Pay system and make arrangements to pay these bills
directly. On April 13 you can register for Bill Pay with your new PlainsCapital account. See page 7 for details.
You will be receiving a new PlainsCapital Bank debit card in the mail prior to conversion weekend. Please activate
your new card, but continue to use your SWS, FSB debit card until April 13.
DU R I N G C O N V E R S IO N W E E K E N D
If you have any questions, please contact Customer Service at 866.762.8392. We will be available to assist you with
extended hours of operation from 9 a.m. to 5 p.m. on Saturday, April 11.
You will have view-only access to your accounts in Online Banking through 7 p.m. on Sunday, April 12.
A F T E R C O N V E R S IO N
Try out your new account type(s) for 30 days. If you’re unhappy with the features of your new account, just choose a
different account from the options listed on pages 9-11 and call 866.762.8392 or visit any PlainsCapital Bank branch.
If you have any questions, please call Customer Service at 866.762.8392 during normal business hours, Monday thru
Friday from 8 a.m. to 6 p.m. and Saturday from 9 a.m. to 1 p.m.
Update your Voice Banking contact number to 866.762.7782. See page 14 for details.
If you are an Online Banking user, update your Online Banking web bookmark to www.PlainsCapital.com. Set up
your password and log in to PlainsCapital Bank Online Banking on or after Monday, April 13. Re-establish any
future or recurring account transfers. See pages 5-6 for details on how to log in and where to find help.
If you are a Bill Pay user, log in to PlainsCapital Bank Online Banking on or after Monday, April 13, and re-enter
your Bill Pay payees. Remember to schedule any recurring payments you had scheduled previously. See page 7 for
more information.
If you are a checking accountholder, request your free order of PlainsCapital Bank checks by June 30. See page 13 for
details.
Begin using your new PlainsCapital Bank Debit Card. Your SWS, FSB card will be deactivated on April 13.
If you did not receive a new PlainsCapital Bank Debit Card by April 10, call us immediately at 866.762.8392. See page
13 for details.
4
ON L I N E BA N K I NG
If you’re a SWS, FSB Online Banking user, please note that the deadline to schedule
new transfers in your SWS, FSB Internet Banking profile is 3 p.m. on April 10. At that
time, Online Banking will switch to "View Only" modeyou'll have access to view
balances, history and statements only.
Your transition to PlainsCapital Online Banking will be simple and seamless. Below
are detailed instructions to help you log in for the first time.
YOUR FIRST LOGIN
Unless you’ve heard otherwise from us, your Online Banking username will remain
the same.
The first time you log in to PlainsCapital Online Banking on or
after April 13, 2015, you’ll need to verify your identity with a
Secure Access Code and create a new password. A Secure Access
Code is a one-time use code that allows you to authenticate your
identity and securely log in to Online Banking. We’ll deliver your
unique Secure Access Code to you instantly via email, phone call
or SMS text based on the information you have on file with us.
Fig. 2
Please follow these steps for your first-time log in:
1. Navigate to PlainsCapital.com and locate the Online Banking
Login box (see Fig. 1).
Fig. 3
2. Input your current username in the field provided and leave the
password field blank.
3. Check the box for “First-time Log In” and press Log In.
4. Choose how you’d prefer to receive your one-time Secure Access
Code—via email, phone or SMS text message—and click Submit
(see Fig. 2). Please note: If your contact information is not
up-to-date, please contact us at 866.762.8392 to provide updated
information.
Fig. 4
5. Once you receive your Secure Access Code, enter it in the field
provided. Click Continue (see Fig. 3).
6. Finally, you’ll be prompted to update your profile (see Fig. 4)
and create a new password (see Fig.5).
Please note that the next time you log in you should use your new
password, and you'll be prompted to register your computer. If
you’re using a private computer, you can choose “activate my
computer for future use” which authorizes us to store a security
certificate on your computer and will eliminate the need to use a
Secure Access Code during each login. If you’re using a public
computer, for security purposes don’t activate the computer for
future use. You’ll only need to enter a Secure Access Code when
you use a different computer to log in or if you delete the security
certificate or “cookie” that we’ve stored on your computer. As a
reminder, never share your username or password with anyone.
5
Fig. 5
Fig. 1
ONLINE BANKING FEATURES
PlainsCapital Online Banking provides secure online access to your account information anytime 24/7 at
PlainsCapital.com. With Online Banking, you can:
▪
Check account balances
▪
Verify transactions, deposits and withdrawals
▪
View current and past account statements
▪
View processed check images for the current statement cycle
▪
Transfer funds between accounts
▪
Set up a savings plan with automatic transfers
▪
Request stop payments
▪
Reorder checks
▪
Download transaction history into Quicken® or Quickbooks ®
Any recurring or future-dated account transfers will not be converted. On or after April 13, please take a moment to log
in to your new PlainsCapital Online Banking and re-establish your account transfers.
PlainsCapital offers Express Web Connect and Web Connect for Quicken and Quickbooks Online users. Quickbooks
users utilizing Direct Connect will need to export their history from online banking and import it into Quickbooks.
If you have any questions or would like to enroll in Online Banking, please visit PlainsCapital.com, stop by any branch
location, or call us at 866.762.8392 on or after April 13.
6
BI L L PAY
If you are a SWS, FSB Bill Pay user, schedule all payments to be paid by April 3 at 12:00 p.m. noon (Central Time). Because
we operate a different Bill Pay system, you will need to re-register all of your prior bill payments in PlainsCapital Bill Pay.
This includes payees, scheduled payments, and recurring payments.
SCHEDULING BILL PAYMENTS
There will be a few changes to how your bill payments are processed and debited from your account. With former SWS, FSB
Bill Pay, you selected the “Pay Date”—or the date you wanted your payment to arrive. With PlainsCapital Bill Pay, you’ll
schedule your payments based on the “Processing Date”—or the date that the full amount of electronic payments will be
debited from your account. The estimated arrival date of your payment will be displayed based on the processing date you
select. For electronic payments, allow two days from the processing date for payments to arrive in your biller’s account.
Allow three to five days for check payments to arrive.
Processing Date
Business Day 1
Business Day 2
Account debited;
Schedule bill payment
online before 3 p.m.
Bill payment is sent
through ACH
Payment arrives at
destination bank
HELP WITH BILL PAY
If you need assistance with PlainsCapital Bill Pay, please call our dedicated Bill Pay customer service with any questions at
877.268.3930. Representatives are available to assist you Monday through Friday from 6:30 a.m. to 1:00 a.m. (Central Time)
on or after April 13.
READY TO TRY BILL PAY?
If you’re not a Bill Pay user, now is a great time to enroll in PlainsCapital Online Banking and Bill Pay. With Bill Pay, you’ll
enjoy secure, 24/7 online access to:
▪
Pay your monthly bills
▪
Transfer funds to accounts at other banks
▪
Send Person-to-Person (P2P) payments to anyone, regardless of where they bank
▪
Track and view payment history online
▪
Store bill payee information
▪
Schedule payments up to a year in advance
▪
Receive eBills electronically
▪
Access Bill Pay through Mobile Banking
If you’re ready to enroll in Bill Pay, you can sign up through PlainsCapital Online Banking on or after April 13. Or just give
us a call at 866.762.8392 or stop by any branch location on or after April 13.
7
MOBI L E BA N K I NG
With PlainsCapital Bank’s Mobile Banking App, you can bank on-the-go with your
iPhone, iPad, or Android phone or tablet. On or after April 13, please download the
PlainsCapital Mobile Banking App free from the App Store or Google Play.
To access Mobile Banking, you must be enrolled in Online Banking. Be sure to log in to
PlainsCapital Online Banking and establish your new password before attempting to log
in to Mobile Banking. Use your Online Banking username and password to log in to
Mobile Banking. Please note: You’ll need to authenticate your identity with a Secure
Access Code to register your mobile device for future use.
MOBILE BANKING FEATURES
Accessing your account information and making transactions is easier and more secure
than ever with PlainsCapital Mobile Banking. From your mobile device or tablet, you
can quickly:
▪
View account balances and transaction history
▪
Pay bills with Mobile Bill Pay
▪
Deposit checks with Mobile Deposit (for eligible customers)
▪
Establish and review funds transfers
▪
View and send secure messages and review account alerts
▪
Find nearby PlainsCapital Bank branches and ATM locations
▪
Call PlainsCapital Bank Customer Service
See what’s new at PlainsCapital Bank via our Facebook feed
▪
MOBILE BILL PAY
Mobile Bill Pay allows you to access your Bill Pay account via
the PlainsCapital Mobile Banking App. You can submit bill
payments and make Person-to-Person (P2P) transfers
on-the-go from your mobile device or tablet. For your
security, you must be enrolled in Bill Pay to access Mobile
Bill Pay. Payees must be established in Bill Pay within
Internet Banking before they will be viewable in Mobile Bill
Pay.
MOBILE DEPOSIT
With Mobile Deposit, eligible and enrolled PlainsCapital
customers can deposit checks on-the-go through
PlainsCapital Bank’s Mobile Banking App. Mobile Deposit
uses the camera on your mobile device to capture pictures of
the front and back of your check so you can make a deposit
anytime, anywhere. For information on eligibility and
enrollment in Mobile Deposit, please visit PlainsCapital.com/Mobile.
8
PE R S ONA L C H E C K I NG
Based on your former SWS, FSB checking account type and your recent transaction and balance history, we’ve done our best
to recommend the PlainsCapital Bank personal checking account that we think best suits you. Please refer to the cover letter
included with this guide for the specific PlainsCapital Bank checking account type(s) recommended to replace your SWS,
FSB checking account(s).
Below you’ll find a chart with details on the six distinctive PlainsCapital Bank personal checking account options available
to you. You’re free to select the account that best matches your personal style and individual needs. If you’d prefer to choose
a different All
account
type than
the onechecking
we’ve recommended,
justcome
let us know.
Stop by features
any formerat
SWS,
branch through
of our
personal
accounts
with these
noFSB
additional
charge:
April 10. Or give us a call at 866.762.8392 on or after April 13 and we’ll be happy to update your account type.
Mobile1 Banking, including Mobile Deposit
Unlimited Transactions at PlainsCapital Ba
Online Banking
Buffalo Rewards Debit MasterCard®
For current checking account rates, please visit PlainsCapital.com/Rates or your nearest branch location.
Best If You Want...
Minimum
to Avoid
Monthly Fee
Monthly
Fee
Premier
Checking
Tiered interest rates
and our top-of-the-line
checking services
$5,000 minimum daily
balance in Premier
Checking or $10,000
in Premier Checking and
Money Market combined
Preferred
Checking
To earn a flat interest
rate and enjoy
additional account
services
Select
Checking
Simply Free
Checking
Account
Minimum
Opening
Deposit
Interest
$15 if minimum
balance not met
$5,000
Tiered interest
rates on
balances $5,000
and over
$1,500 minimum
daily balance
$10 if minimum
balance not met
$1,500
Flat rate on
balances $1,500
and over
To pay a small monthly
fee for more services
without keeping
a minimum balance
None
$5 regardless
of balance
$50
None
Basic checking services
with no minimum
balance or monthly fee
None
None
$50
None
$1,000 minimum daily
balance or monthly
direct deposits
totaling $500 or over
$5 if minimum
balance or direct
deposit not met
$50
Flat rate on
balances $1,000
and over
Golden
Checking
Checking services
with perks for seniors
age 55+
Youth
Debit
Account9
A basic account without
check-writing or
overdrafts for customers
under 18
None
None
$25
None
1 Standard data fees from your mobile provider apply. 2. Restrictions and qualifications apply. 3 Maximum refund of other banks’ ATM fees is $5 per withdraw
charges $1 for each foreign ATM withdrawal. Additional charges from other financial institutions may apply. 7 Must request rate bonus when opening or renewi
guardian must be a co-owner of the account. 10. EZShield ID Theft Protection is available for $2 per month for Tier 1 protection and $5 per month for Tier 1 & T
9
team
All PlainsCapital Bank personal checking accounts come with the following features at no additional charge:
Personal Checking Accounts
▪
Online Banking
▪
Mobile1 Banking, including Mobile Deposit 2 and Mobile Bill Pay
▪
eStatements
▪
Debit Card
▪
Direct Deposit
t2 and Mobile Bill Pay
▪ Voice Banking
ank ATMs
eStatements
Voice Banking
Direct Deposit
Check-writing
Included
Account Extras
EZShield
ID Theft
Protection
Other ATM
Fee Refunds3
Unlimited
Rate bonus on balances
over $25,000 in a
linked Money
Market Account,
unlimited checks5
Included
Unlimited refunds
of other banks’
ATM fees
Unlimited
First order of checks5
Monthly
Bill
Payments4
Statements
Unlimited
eStatements
or paper
statements
Available for a
monthly fee10
5 refunds of
other banks’ ATM
fees per month with
$100 minimum
withdrawal
15 at no
charge
eStatements
or paper
statements
10 at no
charge
eStatements
or paper
statements
Unlimited
First order of checks5
Available for a
monthly fee10
5 refunds of
other banks’ ATM
fees per month with
$100 minimum
withdrawal
Unlimited
None
Available for a
monthly fee10
None6
5 at no
charge
eStatements
required
Unlimited
Notary service,
rate bonus on
CDs7, small
safe deposit box8, one
order of checks 5 per year
Included
5 refunds of
other banks’ ATM
fees per month with
$100 minimum
withdrawal
10 at no
charge
eStatements
or paper
statements
Not available
None6
None
eStatements
or paper
statements
None
None
wal. 4 Each additional bill payment, person-to-person payment, or external transfer is $1. 5 Free checks are bank stock checks only. 6 PlainsCapital
ing CD. Rate bonus not available on CD specials. 8 For one year. Size is 3x5x21 inches, where available, or a $15 credit toward a larger box. 9. Parent or
Tier 2 protection. See plainscapital.com for details.
10
PE R S ONA L SAV I NG S
PlainsCapital Bank offers a variety of savings options to help you meet your financial goals. Based on your SWS, FSB account
types, we’ve done our best to recommend the PlainsCapital Bank savings and money market accounts that we think best suit
you.
See below for a detailed comparison of the savings and money market options PlainsCapital Bank has to offer. If you have
any questions about the accounts we’ve recommended for you, please don’t hesitate to stop by any PlainsCapital branch or
give us a call at 866.762.8392 on or after April 13.
All PlainsCapital Bank savings options are insured by the FDIC up to the maximum amount allowable by law. For current
savings and money market account rates, please visit PlainsCapital.com/Rates or your nearest branch location.
Best If You Want...
Minimum
Opening
Deposit
Minimum
to Avoid
Fee
Personal
Savings
A simple account
with a low
initial deposit
$100
$100
Youth
Savings
A starter account for
kids under 18 that
rewards them for saving
$1
None
Money
Market
Tiered interest rates
that reward
higher balances
$2,500
$2,500
Account
Transaction
Limits
Debit Card
Six free withdrawals
and/or transfers
per quarter.1
Yes
None
Six free withdrawals
and/or transfers
per quarter.1
Available for
parent or
guardian over
age 18
$10
per month
Six free pre-authorized
withdrawals
and/or transfers
per month.2
Yes
Monthly
Fee
$5
per quarter
1.Six withdrawals and/or transfers are allowed per quarter. Thereafter, a charge of $3 per transaction will apply. 2.Under federal regulations, six pre-authorized withdrawals and/or
transfers are allowed per month, no more than three of which may be by check, point-of-sale or ACH. Thereafter, a charge of $10 per transaction will apply.
AC C OU N T T R A N S F E R S
If a branch representative established scheduled funds transfers between your accounts for overdraft protection, safe
deposit box payments, IRA payments, or interest payment transfers, your transfers will be seamlessly transitioned to
your new PlainsCapital account.
If you established funds transfers through Online Banking, the deadline for transfers is 3 p.m. on April 10. You will
need to re-establish any future or reoccurring transfers in your new PlainsCapital Online Banking on April 13.
11
C E RT I F IC AT E S OF DE P O S I T
PlainsCapital Bank will honor the rate and terms on existing Certificates of Deposit (CDs) you opened with SWS, FSB
until they mature. When you’re ready to renew or if you are looking for a new CD now, PlainsCapital offers a variety of
CDs to meet your financial needs. For current rates, please visit PlainsCapital.com/Rates or your nearest branch
location.
CD FEATURES
All PlainsCapital Bank CDs include the following features:
▪
$1,000 minimum opening deposit
▪
Flexible terms from seven days to five years available at varying market rates
▪
Fixed and variable rates available
▪
Automatically renew or cash in at the end of the term
▪
Step-Up CDs available that allow you to step up your rate as many as three times based on the terms of
the CD
CD INDIVIDUAL RETIREMENT ACCOUNTS (IRAS)
If you have an IRA with SWS, FSB, PlainsCapital will honor the existing term and rate on your IRA until maturity.
Please note that PlainsCapital charges a $5 annual fee for all IRAs in distribution status; this fee will apply to all SWS,
FSB IRAs after they are converted to PlainsCapital.
PE R S ONA L L OA N S A N D C R E DI T
If you have personal loans or lines of credit with SWS, FSB, you will receive a letter outlining any changes to the terms
and conditions of your account soon.
LOAN NUMBERS
Unless you’ve heard otherwise from us, your loan number will remain the same.
LOAN PAYMENTS
After conversion, you'll begin to receive billing statements from PlainsCapital Bank for your loan or line of credit.
Please make your loan payments per the billing statements. If you established automatic payments for your loan, those
will be automatically transferred to PlainsCapital. You'll no longer need to use your previous loan coupon book. If
you'd like to request a new coupon book, please call Customer Service at 866.762.8392 on or after April 13.
If you have any questions about your personal loan, please contact your loan officer at SWS, FSB for assistance.
CREDIT CARDS
Please continue to use your SWS, FSB credit card as usual. You may continue to make credit card payments as usual.
You will be issued a PlainsCapital Bank credit card on a later date.
12
C H E C K S A N D ROU T I NG N U M BE R S
After the conversion, your existing SWS, FSB personal checks will continue to work as usual with your new account.
Although the SWS, FSB routing number will be honored in the future, we encourage you to update your routing number
with PlainsCapital Bank's routing number: 111322994.
GET A FREE ORDER OF PLAINSCAPITAL PERSONAL CHECKS
For a limited time, as a special thank you for your business, we'd like to offer you a free order of bank stock personal
checks featuring the PlainsCapital Bank logo and routing number. To receive your free checks please contact any branch
location, or call 866.762.8392, between April 13 and June 30. Or you can place your order directly with Harland Clarke,
PlainsCapital's check printer, by calling 1.800.355.8123. Please use the PlainsCapital Bank Routing Number 111322994.
Your new checks will feature the PlainsCapital Bank logo.
DE BI T C A R D S
Your existing SWS, FSB debit card will continue to work as usual until April 13, when all SWS, FSB debit cards will be
deactivated. New PlainsCapital Bank Debit Cards will be mailed starting March 30, 2015. You should receive your new
debit card no later than April 10. If you do not receive your debit card by this date, please call us immediately at
866.762.8392 or stop by any PlainsCapital Bank branch on or after April 13. Please activate your new PlainsCapital Bank
Debit Card upon receipt, but continue to use your SWS, FSB card until April 13. Your PlainsCapital Bank Debit Card will
not work until that date.
The PlainsCapital Bank Debit Card provides the same easy access to cash you’re accustomed to at ATMs, plus the
flexibility to make purchases at millions of merchant locations worldwide—including restaurants, hotels and online
retailers.
CONVENIENCE, SPECIAL DEALS FROM LOCAL AND NATIONAL MERCHANTS, AND MORE
All PlainsCapital Bank Personal Checking accounts come with the PlainsCapital Bank Buffalo Rewards Debit Card.
Powered by BaZing®, your Buffalo Rewards Debit Card gives you access to over 17,000 deals and discounts at 2,200
merchants across Texas as well as online deals at top national merchants. You will also receive discounts at more than
30,000 major pharmacies and vision centers nationwide.
Details on how to enroll in the Buffalo Rewards program will be mailed to debit cardholders shortly after conversion
weekend.
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E Z S H I E L D F R AU D PRO T E C T ION
PlainsCapital has partnered with EZShield® Fraud Protection, a leader in identity fraud protection services, to offer you an
integrated solution to actively secure, monitor and restore your identity.
We offer two tiers of EZShield benefits to meet your unique protection needs. If you have a Premier Checking or Golden
Checking account with PlainsCapital, we’re pleased to offer you full EZShield coverage at no additional fee as a benefit of
your checking relationship with us. If you have any of our other personal accounts, EZShield can be added on to your
account for a small additional monthly fee.
EZShield Tier One services are just $2 per month and include the following benefits, which will be active as soon as you
enroll:
▪ Certified Resolution Specialists on call to help alleviate the impact of fraud or identity theft.
▪
Fraud Assistance if your wallet or identity are stolen.
▪ ID Theft Insurance to reimburse up to $25,000 in expenses related to identity theft and up to $500 per week for lost wages for a maximum of four weeks.
Once you’ve enrolled in EZShield Tier One, you’ll have the option to create an online account and access EZShield Tier
Two benefits for an additional $3 per month (for a total cost of $5 per month), which include the following:
▪
Online Black Market Scans of your personally identifiable information to help identify fraud.
Active Credit Monitoring and email notification of changes to your credit information, along with email notifications regarding updates to your credit report.
▪
▪
Secure Online Storage to manage your essential personal information and help reduce your risk of fraud.
If you’re a Premier Checking or Golden Checking customer, we’ll be in touch soon after conversion weekend with more
information on how to access your EZShield benefits.
If you’re interested in adding EZShield to one of our other accounts, please give us a call at 866.762.8392 or stop by any
branch location any time after conversion weekend.
VOIC E BA N K I NG
The SWS, FSB voice banking will be retired at 7 p.m. on April 12. Be sure to update your phone’s contacts with the
PlainsCapital Bank Voice Banking line starting April 13. Whether you're at home, at work or on the go, it's easy to
access your account information any time 24/7 with Voice Banking. Just dial 866.762.7782 from any phone to:
▪
Check your current account balances
▪
Review posted transactions, deposits and withdrawals since May 1, 2014
▪ Transfer
▪
Report a lost or stolen debit card
▪
Reorder checks
funds between your accounts
ACCESSING VOICE BANKING FOR THE FIRST TIME
The first time you dial in to Voice Banking, you’ll need to enter the last four digits of the primary accountholder's Social
Security Number to verify your identity. Then, as an added layer of security, you’ll need to create a new Personal
Identification Number (PIN) to access your account information. Your PIN should be between four and eight digits in
length.
If you have any questions about Voice Banking or if you need assistance, please don’t hesitate to press 0 to be transferred
to a customer service representative during normal business hours, Monday thru Friday from 8 a.m. to 6 p.m.
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SA F E DE P O S I T B OX E S
If you have a safe deposit box at a SWS, FSB branch location, rest assured there will be no changes to your box. Your
annual rent will remain the same for your current term. Please see the enclosed Deposit Account Agreement and
Services Disclosure for a full list of PlainsCapital Bank Safe Deposit Box pricing.
W H AT YOU N E E D T O K NOW A B OU T OV E R DR A F T S
PlainsCapital Bank offers two options for overdraft coverage. Please review the following information for important
details about your overdraft options. After 30 days, if your account meets the eligibility requirements, a Discretionary
Overdraft Privilege limit may be assigned to your account. You will be presented with the opportunity to opt-out of
the Discretionary Overdraft Privilege Service through a future mailing, or you may opt out by visiting any of our
branch locations.
WHAT IS AN OVERDRAFT?
An overdraft occurs when you do not have enough money in your account to cover a transaction, but the Bank pays
the transaction on your behalf.
WHAT ARE MY OVERDRAFT OPTIONS?
We can cover your overdrafts in two different ways:
▪ We offer overdraft protection transfers. If your account is overdrawn, funds can automatically be transferred from a linked savings account or personal line of credit. There is no charge to sign up for overdraft protection transfers, and you’ll only pay for it if you use it. For each day on which a transfer occurs to cover overdrafts, a fee of $5 is charged. This is the least expensive way to cover a potential overdraft.
▪
We offer Discretionary Overdraft Privilege Service.
WHAT IS DISCRETIONARY OVERDRAFT PRIVILEGE SERVICE?
With this privilege, if your account is overdrawn we may pay your overdraft items up to a set limit, which is generally
$800 for eligible personal checking accounts.
Overdraft payments for authorized transactions are made at our sole discretion. If we do not authorize or pay an
overdraft, your transaction will be declined or your item will be returned unpaid. We may authorize and pay
overdrafts for checks you write and transactions made using your checking account number. We will not authorize
and pay overdrafts for ATM transactions or one-time (e.g. non-recurring) debit card transactions unless you have
affirmatively given us your consent to do so.
WHAT FEES WILL I BE CHARGED IF PLAINSCAPITAL PAYS MY OVERDRAFT?
We will charge you a fee of $35 each time we pay an overdraft item. You will be charged for no more than four (4)
overdraft item fees and NSF item fees per day. An overdraft item fee will not be charged if (a) the amount of the item
that results in an overdrawn balance is $5 or less, or (b) the available balance in the account is overdrawn by $5 or less
at the end of the business day after all transactions have posted to the account.
HOW CAN I LEARN MORE ABOUT OVERDRAFTS?
For more information including details on the order in which we process items, please review the Consumer Deposit
Account Agreement and Services Disclosure included with this guide, stop by any PlainsCapital Bank branch, or call
us at 866.762.8392.
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S TAT E M E N T S
If you currently receive your monthly account statements via paper mail, you’ll continue to receive your statement at
the mailing address on your account. If you ever need to retrieve an old statement, our staff can access your past
statements.
eSTATEMENTS
If you are enrolled in eStatements, you’ll continue to receive your statements electronically through Online Banking
and you'll continue to receive a notification via email when your statement is ready. You’ll have access to all
statements from November 2014 to present (or from the time you enrolled in eStatements if it was after November
2014). Just be sure to log into your new PlainsCapital Online Banking at PlainsCapital.com when you’re ready to
access your statements. For statements prior to November 2014, please call 866.762.8392.
NOT ENROLLED IN eSTATEMENTS?
If you’re not already enrolled in eStatements, there’s never been a better time to make the switch. With eStatements,
you can cut down on paper clutter and improve security.
With eStatements, you can:
▪
Receive an email notification when your monthly statement is available
▪
View your statements securely with PlainsCapital Bank's Online Banking
▪
Store your statements electronically in PDF format
▪
Access up to seven years of past statements beginning with the first statement after you enroll
▪
Print your statements whenever necessary
If you have any questions regarding your PlainsCapital Bank account statements, or to enroll in eStatements, stop by
any branch or call us at 866.762.8392 on or after April 13.
F R E QU E N T LY A S K E D QU E S T ION S
When is conversion weekend?
The conversion will take place April 10 at 6 p.m. through April 13 at 8 a.m.
Will my debit card work during and after conversion weekend?
Yes. Your SWS, FSB debit card will be fully functional during conversion weekend. All SWS, FSB debit cards will be
deactivated on April 13, at which time you should begin using your PlainsCapital Bank debit card.
Will ATMs work during conversion weekend?
Yes. PlainsCapital Bank and former SWS, FSB ATMs will be functional during conversion weekend.
How do I know what my new account type(s) will be?
Based on your SWS, FSB checking account type and your recent transaction and balance history, we’ve done our best to
recommend the PlainsCapital Bank account(s) that we think best meet your needs. Please refer to the cover letter
included with this guide for the specific PlainsCapital Bank account type(s) recommended to replace your SWS, FSB
account(s).
What if I prefer a different account type than the recommended account?
No problem! You’re free to select the account that best matches your personal style and individual needs. If you’d prefer
to choose a different account type than the one we’ve recommended, just let us know. Stop by any SWS, FSB branch
through April 10, or give us a call at 866.762.8392 on or after April 13, and we’ll be happy to update your account type.
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Will my checks continue to work?
Yes. Your SWS, FSB checks will still be honored on your new PlainsCapital Bank account. If you’d like, you can place an
order for a free box of bank stock checks from April 13, 2015 through June 30, 2015.
What is PlainsCapital Bank’s Routing and Transit number?
PlainsCapital Bank’s routing number is 111322994. When you order new checks, your checks will feature PlainsCapital’s
routing number; however, your existing checks with the SWS, FSB routing number will continue to work.
Do I need to update my routing number for my direct deposit or other recurring ACH transactions?
It is not necessary to update your routing number for direct deposits or recurring ACH transactions. PlainsCapital will
post your transaction and notify the originator of the routing number change for future transactions. The originator may
contact you to confirm the change should be made.
How much account history from my SWS, FSB accounts will be transferred to PlainsCapital Bank?
Your account history since May 1, 2014 will be transferred to PlainsCapital Bank and will be accessible via Online
Banking, Voice Banking, Mobile Banking, and by our staff.
Will my account number or loan number change?
Generally no. Most customers will maintain their existing account and/or loan numbers. Only a very small number of
customers will be issued a new account or loan number, and we’ll be reaching out to those customers prior to the
conversion.
Will the interest rate on my deposit account change?
All checking, savings and money market accounts will be paid PlainsCapital Bank’s current posted rates after the
conversion. CD rates will be honored through maturity. For current deposit account rates, please visit PlainsCapital.com/Rates or your nearest branch location.
Will my Certificate of Deposit (CD) change?
No. PlainsCapital Bank will honor the rate and terms on existing CDs you opened with SWS, FSB until they mature.
How do I opt-in for overdraft coverage?
You will receive information regarding opting in or opting out of overdraft privilege at a later date.
What fees will I be charged if PlainsCapital Bank pays my overdraft?
We will charge you a fee of $35 each time we pay an overdraft item. You will be charged no more than four (4) overdraft
item fees and NSF item fees per day. An overdraft item fee will not be charged if (a) the amount of the item that results in
an overdrawn balance is $5 or less, or (b) the available balance in the account is overdrawn by $5 or less at the end of the
business day after all transactions have posted to the account.
Will my Online Banking username and password change?
Unless you hear otherwise from us prior to conversion weekend, your Online Banking username will not change. You
will need to create a new password the first time you log in to PlainsCapital Online Banking.
What is a Secure Access Code?
A Secure Access Code is a one-time use code that allows you to authenticate your identity and securely log in to Online
Banking. When you follow the first time login directions (see page 5), we’ll deliver your unique Secure Access Code to
you instantly via email, phone call or SMS text based on the information you have on file with us. Once you authenticate
your identity, you’ll have the option to “activate your computer for future use” which authorizes us to store a security
certificate on your computer and will eliminate the need to use a Secure Access Code during each log in. (If you’re using
a public computer, for your security you should not activate the computer for future use.)
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What will happen to my recurring account transfers?
Funds transfers established by bank representatives between your accounts for overdraft protection, safe deposit box
payments, IRA payments, or interest payment transfers will be seamlessly transitioned during the conversion. Funds
transers you established in Online Banking should be re-created in PlainsCapital Online Banking after the conversion.
What will happen to my Bill Payments?
SWS, FSB's bill payment system will be retired effective 12 p.m. (Noon) on April 3. As of April 13, you will be able to
enroll in PlainsCapital's Bill Pay system. Because this is a new system, you will need to re-enter all of your Bill Pay
information. This includes payees and recurring payments.
What is changing with scheduling Bill Payments?
With SWS, FSB Bill Pay, you selected the “Pay Date”—or the date you wanted your payment to arrive. With
PlainsCapital Bill Pay, you’ll schedule your payments based on the “Processing Date”—or the date that the full amount of
electronic payments will be debited from your account. The estimated arrival date of your payment will be displayed
based on the processing date you select.
Will I have access to my past account statements?
If you are enrolled in eStatements, you’ll have access to all statements from November 2014 to present (or from the time
you enrolled in eStatements if it was after November 2014). For statments prior to November 2014, please call
866.762.7782. If you receive paper statements, our staff can access all of your past statements from November 2014 to
present.
What is the new number for Voice Banking?
The PlainsCapital Bank Voice Banking line will be available to you starting April 13 at 866.762.7782.
How do I access Mobile Banking?
PlainsCapital Bank offers a Mobile Banking App for your iPhone, iPad, or Android phone or tablet. Just visit the App
Store or Google Play to download the app on or after Monday, April 13. You must be an Online Banking user to access
PlainsCapital Mobile Banking, and you should use your Online Banking login credentials.
What is Mobile Bill Pay?
Mobile Bill Pay allows you to access your Bill Pay account via the PlainsCapital Mobile Banking App in order to submit
bill payments and make Person-to-Person (P2P) transfers on-the-go from your mobile device or tablet.
How do I access Mobile Bill Pay?
You must be enrolled in PlainsCapital Online Banking and Bill Pay to access Mobile Bill Pay. Once you’re enrolled, Bill
Pay will be accessible via your Mobile Banking App. Please note that you must establish your payees via Bill Pay in
Online Banking before they will be accessible in Mobile Bill Pay.
What is Mobile Deposit?
With Mobile Deposit, eligible and enrolled PlainsCapital Bank customers can deposit checks on-the-go through
PlainsCapital Bank’s Mobile Banking App for iPhone, iPad, and Android phone and tablet.
Who is eligible for Mobile Deposit?
For information on eligibility and enrollment in Mobile Deposit, please visit PlainsCapital.com/Mobile.
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L O C AT ION S
PlainsCapital Bank has 70 locations in 30 cities across Texas to serve you. For a detailed list of branch and ATM locations, please
visit PlainsCapital.com or download the PlainsCapital Mobile Banking App from the App Store or Google Play.
Lubbock
Fort Worth
El Paso
Dallas
Austin
Houston
San Antonio
Eagle Pass
McAllen
Brownsville
Corpus
Christi
Laredo
Rio Grande Valley
Arlington
Edinburg
Lubbock
Waxahachie
Austin
El Paso
McAllen
Weatherford
Brownsville
Fort Worth
Mission
Weslaco
Cedar Park
Frisco
Olmito
Corpus Christi
Granbury
Pharr
Dallas
Harlingen
Port Isabel
DeSoto
Houston
Round Rock
Donna
Lakeway
San Antonio
Eagle Pass
Laredo
The Woodlands
PlainsCapital.com
866.762.8392
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