YOUR ACCOUNTS - CommunityBank of Texas

A GUIDE TO
YO U R A C C OU N T S
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We look forward to exceeding your expectations in every way. Please take
C O M M U N I T Y B A N K
O F
T E X A S
a moment to review the information in this guide, as we want to make your transition to
CommunityBank of Texas as seamless as possible.
As an independently owned Texas bank, we believe in doing things a little differently. We
believe in highly personalized service that builds lasting relationships. We believe in flexible,
local decision making supported by a greater depth of financial resources than ever before. And
we believe it truly makes a difference when you Bank Where U Live.SM
Here are answers to some of the most frequently asked questions about upcoming changes that
will affect your banking accounts with us. If you have any other questions or concerns, please
call us at 1.866.427.9306. The terms and conditions set forth in this guide, as well as the
separately enclosed Account Disclosures & Terms and Conditions brochure, become effective
on July 17, 2015. In the event you choose to not accept them, please make the necessary
arrangements to close your account on or before July 17, 2015.
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Why are Memorial City Bank and CommunityBank of Texas merging?
The merger of Memorial City Bank and CommunityBank of Texas combines the strengths of two independent, Texas-owned
banks and will allow us to better serve the expanding needs of our personal and business customers. You will now have access to
a greater depth of financial resources, more products and services, and the convenience of 38 banking centers across Houston
and East Texas.
WHAT WILL THE BANK BE CALLED?
The new name of the bank is CommunityBank of Texas, N.A.
WHAT IF I BELIEVE ANOTHER COMMUNITYBANK OF TEXAS
ACCOUNT BETTER MEETS MY NEEDS?
WHEN WILL I RECEIVE MY CHECKING ACCOUNT
STATEMENTS?
Personal accountholders will receive their last Memorial City
WILL YOU STILL MONITOR THE ITEMS PRESENTED FOR
PAYMENT FOR SIGNATURE CARD RESTRICTIONS SUCH
AS TWO SIGNATURES REQUIRED?
Bank statement for the period ending July 17, 2015. Thereafter,
No. CommunityBank of Texas will not manually verify the number
you will receive your monthly statement from CommunityBank
of signatures required other than confirming that items presented
of Texas but on a slightly different schedule. Your statement
for payment bear at least one authorized signature. Please see
mail date will likely vary by a few days.
the enclosed Account Disclosures & Terms and Conditions
guide for more detailed information on CommunityBank of
If you prefer another type of account, simply stop by the
WHO IS COMMUNITYBANK OF TEXAS?
CommunityBank of Texas branch nearest you on or after July 20,
Commercial accountholders will receive their last Memorial City
CommunityBank of Texas is an independently owned Texas
2015. We will be happy to discuss your account options and help
Bank statement for the period ending July 17, 2015 and their
bank with a proud history of strength and stability and a
you select the best account for your needs.
first CommunityBank of Texas statement for the period ending
reputation for excellence in relationship banking. We’re known
for local decisions, fast answers and flexible lending solutions.
WILL MY DEPOSITS CONTINUE TO BE INSURED BY THE FDIC?
WHY IS THIS CONVERSION HAPPENING?
of $250,000 established by the FDIC. Under FDIC rules, for at
The conversion is the final step of merging our operations,
least six months after the merger your “transferred” deposits
technology and systems to ensure your financial account
will be separately insured from any accounts you may already
information is integrated into CommunityBank of Texas’ data
have with Memorial City Bank. This grace period allows you the
processing system.
opportunity to restructure your accounts, if necessary.
HOW WILL THIS CONVERSION AFFECT MY ACCOUNT(S)?
WILL MY DIRECT DEPOSITS, ELECTRONIC WITHDRAWALS
AND/OR ELECTRONIC LOAN PAYMENTS CONTINUE AS
BEFORE?
Most customers will see little or no change. Please note that it
is important that you review all of the information provided to
determine whether any change will affect your account(s).
WILL MY ACCOUNT NUMBERS CHANGE?
Yes. Your deposits will continue to be insured up to the limit
Yes. Originators of direct deposits and withdrawals will be
automatically notified and provided the new information they
require. If you have a concern, feel free to contact us.
For the vast majority of customers, your account numbers will
not change. For the few customers whose account numbers
will change, you will be personally contacted in a separate
communication by bank personnel who will thoroughly review
the changes with you.
CAN I USE MY CURRENT CHECKS AND DEPOSIT SLIPS?
HOW SHOULD I ARRANGE FOR WIRE TRANSFERS TO
AND FROM MY ACCOUNTS?
Wire transfers will be processed in the same manner as before.
We do ask that you update your incoming and outgoing wire
instructions to your vendors and customers with CommunityBank
of Texas’ wiring instructions found on page 13 of this guide.
Yes. You can continue using your Memorial City Bank checks
and deposit slips until they run out. At that time, you can
of each month.
Bank, you will automatically be enrolled in eStatements at
CommunityBank of Texas. Due to regulatory requirements, you
will be required to complete the enrollment process the first time
you log on to CommunityBank of Texas’ online banking system.
DO I AUTOMATICALLY RECEIVE OVERDRAFT PRIVILEGE
PROTECTION WITH MY CHECKING ACCOUNT?
Yes. CommunityBank offers overdraft privilege Bounce
ProtectionSM on most personal and several business checking
WHEN WILL I BE SERVICE CHARGED?
accounts for checks and other transactions made using your
Personal accounts that are subject to a service charge will be
checking account number and automatic bill payments. We
assessed their final Memorial City Bank service charge on July
do not authorize or pay overdrafts for ATM transactions and
17, 2015. The first service charge, if any, from CommunityBank
everyday debit card transactions unless you ask us to do so.
of Texas will be assessed the first month after the technology
Please refer to the Bounce Protection section in the separate
conversion, starting August 19, 2015 and later.
Account Disclosures & Terms and Conditions guide included
in this packet, for information regarding CommunityBank’s
Commercial accounts (not on account analysis) that are
overdraft privilege program, alternative methods to manage
subject to a service charge will be assessed their final Memorial
overdrafts, associated fees for usage and how to opt in if
City Bank service charge on June 30, 2015. Their first service
you would like Bounce Protection for ATM transactions and
charge from CommunityBank of Texas will be assessed on
everyday debit card transactions.
August 31, 2015.
WILL MY ACCOUNT STATEMENT LOOK DIFFERENT?
statement. Please note that if you receive images with your
Bank service charge on June 30, 2015. Their first service charge
WILL THERE BE CHANGES TO MY ACCOUNT?
statement currently, you will continue to receive them after
from CommunityBank of Texas will be assessed around the 10th
Yes. Your Memorial City Bank account will be converted to a
July 17, 2015.
calendar day of the following month with the first charge occurring
additional information regarding product features and terms.
differ, just as they have in the past, to reflect current market
renewal advising of changes to the terms and conditions, if any.
to a service charge will be assessed their final Memorial City
business account charts found on pages 6-9 of this guide for
change until renewal. At that time the rates and terms may
If you are currently enrolled in eStatements at Memorial City
different look and layout compared to the Memorial City Bank
CommunityBank of Texas account. Please see the personal and
Interest rates currently in effect for your CDs and IRAs will not
conditions and products. Information will be mailed to you at
Commercial accounts that are on account analysis and subject
account number.
WHAT CHANGES WILL AFFECT MY CDS AND IRAS?
WILL I CONTINUE TO RECEIVE ESTATEMENTS?
Yes. The CommunityBank of Texas bank statement will have a
reorder CommunityBank of Texas checks with your same
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July 31, 2015 with subsequent, monthly statements at the end
Texas’ Multiple Signers disclosure.
on October 9, 2015, based on September’s transactions.
WILL THERE BE CHANGES TO MY LOANS OR WHERE I MAKE
LOAN PAYMENTS?
The terms of your personal and commercial loans will remain
the same. You may continue to use your current coupon book
to mail payments or to make payments in person at the banking
center nearest you. If mailing payments after July 17, 2015, they
should be mailed to:
CommunityBank of Texas, N.A.
5999 Delaware St.
Beaumont, TX 77706-7607
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CAN I STILL USE MY EXISTING VISA® DEBIT CARD?
City Bank website will be redirected to CommunityBank of
Prior to July 17, 2015, you will receive a letter disclosing pertinent
If you need to send new payments from July 13, 2015 through
You can continue using your Memorial City Bank VISA debit
Texas’ website. We strongly recommend printing and/or
facts about CommunityBank of Texas’ online banking system and
July 19, 2015, you will need to make other payment
card through end of day Sunday, July 19, 2015. On Monday,
saving your account statements in PDF to your computer prior
bill payment product. In most cases, you will be able to continue
arrangements, as both bill payment systems will be unavailable
July 20, 2015, you will need to activate your new CommunityBank
to July 17, 2015 to avoid any interruption in reconciling your
using your existing Memorial City Bank online banking ID;
for six (6) calendar days.
of Texas VISA debit card and PIN that will be mailed to you
accounts. Memorial City Bank statements will not be available
however, you will not be able to access CommunityBank of Texas’
separately a week prior to July 17, 2015.
in CommunityBank of Texas’ online banking product.
online banking product until July 20, 2015.
To activate your new debit card, you can:
Prior to July 17, 2015, you will receive a letter disclosing pertinent
On Monday, July 20, 2015, you will be able to access
You will need to re-establish these payments on CommunityBank
1.Initiate a transaction using your new PIN at any ATM or
facts about CommunityBank of Texas’ online banking system
CommunityBank of Texas’ online banking system with your
of Texas’ bill payment system on Monday, July 20, 2015.
and bill payment product. In most cases, you will be able to
existing ID and your temporary password. The temporary
continue using your existing Memorial City Bank online banking
password will be the last four digits of your Taxpayer
On, Monday, July 20, 2015, you will have access to CommunityBank
ID; however, you will not be able to access CommunityBank of
Identification Number (TIN). Upon initial login, you will be
of Texas’ bill pay through online banking to verify your payees
Texas’ online banking product until July 20, 2015.
prompted to change your password and establish your
and to begin originating bill payments.
Any previously scheduled and/or recurring payments scheduled
to be sent after July 19, 2015 will be deleted and not processed.
merchant that accepts PIN-based transactions;
2.Call CommunityBank of Texas’ UPhone at 281.848.2599 and
follow the prompts;
3. Visit any CommunityBank of Texas branch; or
4.Log in to CommunityBank of Texas’ online banking and
activate your card under the settings tab.
security questions and answers.
CommunityBank of Texas’ online banking system with your
Important: In the event that your existing ID is already in use by
City Bank’s online banking system through Monday, August 17,
Once you have activated your card, you may change your
existing ID and your temporary password. The temporary
another accountholder, you will be sent a separate letter with
2015. After this date, the Memorial City Bank website will be
PIN number at any CommunityBank of Texas ATM or branch
password will be the last four digits of your social security
a new temporary online banking ID prior to July 17, 2015. On
redirected to CommunityBank of Texas’ website.
location. Should you not receive your PIN in the mail, please visit
number for personal accountholders and the last four digits
Monday, July 20, 2015, after your initial login, you will have the
any CommunityBank of Texas branch location on or after July
of your Tax ID for commercial accountholders. Upon initial
capability to change your user ID to your preference.
20, 2015 to create your new PIN.
login, you will be prompted to change your password and
establish your security questions and answers.
Important: You will have limitations on the use of ATMs and
debit cards from close of business Friday, July 17, 2015 through
Important: In the event that your existing ID is already in use by
Sunday, July 19, 2015. These limitations include:
another accountholder, you will be sent a separate letter with
A $750 daily limit will be imposed for PIN-based
a new temporary online banking ID prior to July 17, 2015. On
transactions, of which $250 is available for ATM
Monday, July 20, 2015, after your initial login, you will have the
cash withdrawals and $500 for PIN-based merchant
capability to change your user ID to your preference.
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transactions.
WILL I STILL BE ABLE TO MAKE DEPOSITS WITH MY SMARTPHONE?
Yes, beginning Monday, July 20, 2015, customers who were
WILL THE TRANSACTION HISTORY OR ACCOUNT STATEMENTS
FROM MY MEMORIAL CITY BANK ONLINE BANKING SYSTEM BE
AVAILABLE ON COMMUNITYBANK’S ONLINE BANKING SYSTEM?
The previous 90 days of transaction history will be available,
but your account statements will not be available. Unfortunately,
each bank is on a different operating system, which precludes
previously enrolled in Memorial City Bank’s mobile capture
will be able to make deposits with their smartphones. Please
see the enclosed Account Disclosures & Terms and Conditions
guide for more detailed information on CommunityBank of
Texas’ U Deposit AnywhereSM service.
account statements from being transferred. We strongly
WILL THE HOURS OF THE BANK CHANGE?
recommend printing and/or saving your account statements
No. The lobby and drive-thru hours of operation for each branch
in PDF to your computer prior to July 17, 2015 to avoid any
location will remain the same.
A $750 daily limit will be imposed for signature-based
HOW WILL MY BUSINESS ONLINE BANKING BE AFFECTED?
merchant transactions.
Business online banking users can continue using your existing
Any recurring payments associated with your debit card
online banking ID and password when launching Memorial
scheduled to be made after July 17, 2015 will be rejected
City Bank’s online banking product. However, Memorial City
and will not be paid against your account. Please make
Bank’s online banking will be temporarily unavailable at 4pm
other arrangements for payment during this weekend.
on Friday, July 17, 2015 through Monday morning, July 20,
Once you receive your new CommunityBank of Texas
2015. On Monday, July 20, 2015, Memorial City Bank’s business
debit card, you will need to notify all venders to change
online banking will be restored in view-only mode until Monday,
your debit card that they have been charging in the past.
August 17, 2015. Live transactions will not be posting at this
WHAT WILL HAPPEN TO MY BILL PAYMENTS?
time. After August 17, 2015, the Memorial City Bank website will
their social security number. Please see the enclosed Account
On Monday, July 13, 2015, Memorial City Bank’s bill pay through
be redirected to CommunityBank of Texas’ website. We strongly
Disclosures & Terms and Conditions guide for more detailed
HOW WILL MY PERSONAL ONLINE BANKING BE AFFECTED?
online banking will be permanently removed and will not allow
Personal online banking users can continue using your existing
recommend printing and/or saving your account statements
information on CommunityBank of Texas’ UPhone service.
any new bill payments to be entered. If you have payments
online banking ID and password when launching Memorial City
in PDF to your computer prior to July 17, 2015 to avoid any
already scheduled in the bill payment system with a send on
WHAT WILL HAPPEN TO MY SAFE DEPOSIT BOX?
Bank’s online banking product. However, Memorial City Bank’s
interruption in reconciling your accounts. Memorial City Bank
date from July 13, 2015 through July 19, 2015, they will be sent
If you currently have a safe deposit box with Memorial City Bank,
online banking will be in view-only mode at 4pm on Friday, July
statements will not be available in CommunityBank of Texas’
and processed as usual.
the terms and conditions on that agreement will not change.
17, 2015 through Monday, August 17, 2015. Live transactions will
online banking product.
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not be posting in real time. After August 17, 2015, the Memorial
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The payment history will be available for inquiry on Memorial
On Monday, July 20, 2015, you will be able to access
interruption in reconciling your accounts. Memorial City Bank
statements will not be available in CommunityBank of Texas’
WILL THERE BE CHANGES IN MY 24-HOUR TELEPHONE BANKING?
online banking product. In the event you need a copy of a
You will have access to CommunityBank of Texas’ 24-hour
previous statement, please contact your account officer.
UPhone service as of Tuesday, July 21, 2015 by simply calling
281.848.2599. You will be asked to provide your account number
Memorial City Bank will stop processing bill payments through
and the last four digits of the primary account holder’s social
their online banking system as of July 19, 2015.
security numbers. Joint account holders should be able to
access telephone banking using their own last four digits of
You may access your safe deposit box at any time during normal
lobby hours.
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Effective August 15, 2014
Personal Checking and Savings
Quick Reference Guide
Regular Checking*
Community Investment NOW*
Community Tiered Money Market
Regular Statement Savings
$700
$1,000
$2,500
$200
$6
$15
$15
$3
Minimum Balance for APY
N/A
$1,000
$2,500
N/A
Free Checks
N/A
N/A
1 box of specialty
grey wallet checks
N/A
$1.50 over 3 withdrawals
per quarter
Minimum Balance to Avoid Fees
Monthly Service Fee
If This is Your
Memorial City Bank Account
Your New CommunityBank
Checking Account Will Be:
Low Activity Checking
Regular Checking
Regular Checking
Regular Checking
NOW Account
Community Investment NOW
Premium NOW
Community Investment NOW
Money Market Savings
Community Tiered Money Market
Premium Money Market Savings Community Tiered Money Market
Premium+ Money Market Savings Community Tiered Money Market
Personal Savings Regular Statement Savings
Minor Savings Regular Statement Savings
Fee Per Item
N/A
N/A
Max 6 debits. A fee of $20
per item will be charged
for each debit in excess of
6 during statement cycle.
Interest Rate
N/A
Ask for current rate**
Ask for current rate**
Ask for current rate**
Tiers to Earn Interest
N/A
See Truth In Savings
Disclosure for details
See Truth In Savings
Disclosure for details
N/A
Overdraft Privilege Limit***
$800
$1,000
N/A
N/A
12th day of
each month
12th day of each month
End of month
Quarterly
N/A
Available to Consumers,
Sole Proprietors
and Non-Profit only
Unlimited free
bank stock checks
Max 6 debits. A fee of $20
per item will be charged
for each debit in excess of
6 during a statement cycle
Statement Cycle
Miscellaneous
* Deposit Reclassification Notice: Effective July 17, 2015, the Bank may make a change in your checking account that will not affect your available balance, interest earnings, FDIC
insurance, or bank statement. This account will consist of a checking sub account and a savings sub account. This change in your account is useful in helping the Bank operate efficiently
from an internal tracking standpoint, and will not affect the way you see or use your account. The Bank may periodically transfer funds between these two sub accounts. If your account
is one on which interest is paid, your interest calculation will remain the same. Otherwise, the savings sub account will be non-interest bearing. The savings sub account will be governed
by the rules governing our other savings accounts.
**This is a variable rate product. The Annual Percentage Yield has not been determined yet but will be available as of July 17, 2015. Please call the bank for details.
***You will be charged our $30.00 paid item fee for each overdrawn item created by check, a teller withdrawal, an automatic payment (ACH) transaction or recurring VISA® check
card payment. All negative balances must be brought positive within 30 days. Bank reserves the right not to pay item(s) if an account is not kept in good standing. Alternatives to cover
overdrafts include a link to your savings account or a line of credit. If you have any questions, please call the bank at 1-866-552-6668 for details. Also, if you request us to do so, we may
authorize and cover ATM transfers or withdrawals and everyday VISA® check card purchases.
****We may require not less than 7 days notice in writing before each withdrawal from an interest-bearing account, other than a time deposit or from any other savings account as defined
by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early
withdrawal.
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Small Business
Checking*
Business Checking
Account Analysis*
Community
Investment NOW*
Public Funds
Checking*
IOLTA NOW
Account*
Community Tiered
Money Market
Public Funds
Tiered Money
Market
Regular
Statement Savings
(non-personal)
Business Checking
and Savings
Minimum Balance to Avoid Fees
N/A
N/A
$1,000
N/A
N/A
$2,500
$2,500
$200
Quick Reference Guide
Monthly Fee
N/A
$12.50
$15
$10
N/A
$15
$15
$3
Minimum Balance to Earn Interest
N/A
N/A
$1,000
N/A
N/A
$2,500
$2,500
N/A
First 200
items free,
.25 per item
over 200.
See Miscellaneous
Fee Schedule
N/A
See Miscellaneous
Fee Schedule
N/A
N/A
N/A
$1.50 over
3 withdrawals
per quarter
N/A
Account is
eligible to receive
an earnings
credit rate.
Ask for
current rate**
Account is
eligible to receive
an earnings
credit rate.
Ask for
current rate**
Ask for
current rate**
Ask for
current rate**
Ask for
current rate**
$1,000
N/A
$1,000
N/A
N/A
N/A
N/A
N/A
End of
the month
End of
the month
12th day of
each month
End of
the month
End of
the month
5th day of
each month
5th day of
each month
Quarterly
N/A
Max 6 debits. A
fee of $20 per item
will be charged
for each debit in
excess of 6 during
a statement cycle.
Max 6 debits.
A fee of $20
per item will be
charged for each
debit in excess
of 6 during a
statement cycle.
Max 6 debits. A
fee of $20 per item
will be charged
for each debit in
excess of 6 during
a statement cycle.
If your current Memorial City
Bank Account is:
Your New CommunityBank of Texas
Account Will Be:
Small Business Checking
Small Business Checking
Commercial Checking
Business Checking Account Analysis
Business NOW
Community Investment NOW
Public Funds Checking
Public Funds Checking
IOLTA NOW
IOLTA
Business Money
Market Savings
Community Tiered
Money Market
Business+ Money
Market Savings
Community Tiered
Money Market
Municipal District
Money Market Savings
Public Funds Tiered
Money Market
Premium Business
Money Market
Community Tiered
Money Market
Business Savings
Regular Statement Savings
(non-personal)
Fee Per Item
Interest Rate
Overdraft Privilege Limit***
Statement Cycle
Miscellaneous
Cash deposit:
$1 per $1,000
cash handling
fee after first
$3,000 per day.
N/A
Available to
Consumers, Sole
Proprietors and
Non-Profit only
N/A
* Deposit Reclassification Notice: Effective July 17, 2015, the Bank may make a change in your checking account that will not affect your available balance, interest earnings, FDIC insurance, or bank
statement. This account will consist of a checking sub account and a savings sub account. This change in your account is useful in helping the Bank operate efficiently from an internal tracking
standpoint, and will not affect the way you see or use your account. The Bank may periodically transfer funds between these two sub accounts. If your account is one on which interest is paid, your
interest calculation will remain the same. Otherwise, the savings sub account will be non-interest bearing. The savings sub account will be governed by the rules governing our other savings accounts.
**This is a variable rate product. The Annual Percentage Yield has not been determined yet but will be available as of July 17, 2015. Please call the bank for details.
***You will be charged our $30.00 paid item fee for each overdrawn item created by check, a teller withdrawal, an automatic payment (ACH) transaction or recurring VISA® check card payment.
All negative balances must be brought positive within 30 days. Bank reserves the right not to pay item(s) if an account is not kept in good standing. Alternatives to cover overdrafts include a link to
your savings account or a line of credit. If you have any questions, please call the bank at 1-866-552-6668 for details. Also, if you request us to do so, we may authorize and cover ATM transfers or
withdrawals and everyday VISA® check card purchases.
****We may require not less than 7 days notice in writing before each withdrawal from an interest-bearing account, other than a time deposit or from any other savings account as defined by
Regulation D. Withdrawals from a time account prior to matuirty or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.
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PERSONAL
and
BUSINESS PRODUCTS & SERVICES
PERSONAL
BUSINESS
CHECKING
CHECKING
At CommunityBank of Texas, we offer a variety of accounts
Grow your business with the account that’s right for you.
to meet your personal financial needs.
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CashRewards Checking
Community Fifty Free Checking
Regular Checking
U Start Fresh Checking
First Club Checking
First Club 55
First Club 55 Plus
Thrifty Account
Community Investment NOW
Community Tiered Money Market
SAVINGS
n Regular Statement Savings
n Student Savings
n Certificates of Deposit (CDs)
n Individual Retirement Accounts (IRAs)
PERSONAL LOANS **
We have money to lend at competitive rates and terms to
meet your borrowing needs.
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Mortgage Loans (fixed and adjustable rates)
n Home Equity Loans
n Home Equity Lines of Credit
n Home Improvement Loans
nConstruction Loans (both one-time-close and
short-term construction loans)
n Auto, Motorcycle, Boat, Jet Ski and RV Loans
n Personal Lines of Credit
n Credit Cards***
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Schedule of Fees
The following fees may be assessed against your account and the following transaction limitations, if any, apply to
your account.
SAVINGS
Small Business Checking
Business Checking (Account Analysis)
Basic Business Checking
Community Investment NOW
Community Tiered Money Market
IOLTA NOW Account
ATM Transactions
Non-Check21 compliant checks....................................................................... $1
Stop payment orders...............................................................................................$30
ATM cash withdrawal ............................................................................... FREE
(at ATMs we do not own or operate).......................................... $2
Interim statements ..................................................................................................... $5
ATM transfer of funds................................................................................ FREE
Statements held for pickup (per month)..................................................$10
(at ATMs we do not own or operate).......................................... $2
Balance inquiry............................................................................................................... $2
ATM balance inquiry.................................................................................. FREE
Account closed within 90 days of opening............................................$25
(at ATMs we do not own or operate).......................................... $2
TREASURY MANAGEMENT SERVICES
Debit card.................................................................................................................... FREE
Optimize your company’s working capital with our cash
management tools.
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FOR YOUR CONVENIENCE
n Bounce ProtectionSM*
n Free ATM Card for Savings Accounts Only
n Free VISA® Debit Card
n Free ATM/Debit Card Fraud Protection
n Direct Deposit
n eStatements
n UMobile Banking
n Night Deposit
n Free Notary Service
n UPhone (bank-by-phone)
n Free Community XPress Online Banking
n Free Community XPress Online Bill Pay
n UCanPay (person-to-person payments)
n U Deposit Anywhere (smartphone deposits)
n U Transfer Xpress (bank-to-bank transfers)
n Wire Transfers
n Safe Deposit Box
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and
C OMMUNITY B ANK OF TEXAS
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Community Business XPress Online Banking
Remote Deposit XPress
Zero Balance Account
ACH Disbursement, Direct Deposit and Debit Protection
Controlled Disbursements Accounts
Positive Pay Check Fraud Protection
Account Reconciliation Services
Cash Disbursement – Wire Transfers
Lockbox Services and ACH Collection
Payroll Cards
Purchasing Card***
Replacement debit card................................................................................. $5
Outgoing..................................................................................................................$20
Safe deposit box rental*
Various sizes....................................................................... $40-$100 annually
International wires............................................................................ $50 + cost
Lost key replacement ....................................................................................$10
Special wire services.......................................................................................... $3
Lock replacement or forced entry.....................................................$125
Telephone transfers........................................................................................... $3
Garnishments, levies, legal notifications and
Community Xpress (online banking).............................................. FREE
Community Xpress (bill pay)................................................................ FREE
Notary public services........................... Complimentary for customers
U Transfer (outgoing only)............................................................................ $1
Non-customers............................ Varies depending on notary type
Delivery of EDI Notices with ACH files
Commercial cash management services
You can count on us for fast, flexible, local lending decisions
Nonsufficient funds (NSF) paid/returned................................................$30
for short-term, long-term or ongoing financial needs.
Overdraft privilege (paid/returned).............................................................$30
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*You will be charged our standard $30 paid item fee for each overdrawn item created by a
check, a teller withdrawal, an automatic payment (ACH) transaction or a recurring VISA® check
card payment. All negative balances must be brought positive within 30 days. Bank reserves the
right not to pay if account is not kept in good standing. Alternatives to cover overdrafts include
a link to your savings account or a line of credit. Ask bank for details.
**Loans subject to credit approval.
(per month/per account)....................................................................$25
Cashiers checks (customers only).................................................................... $6
special handling..................................................................................................$75
Fees vary by services selected
Night deposit bags
Traveler’s cheques (customers only)
Tamper-resistant bags.......................................................................... At cost
Single party............................................................................................................... $1
Zipper bags.............................................................................................................. $5
Two party................................................................................................................... $2
Night depository replacement key........................................................ $5
Returned or re-deposited items................................................................ $7.50
Cash deposit verification................... $1/$1,000 > $3,000 per day
n
Checks drawn on other banks......................... 1%, $5.00 minimum
Incoming...................................................................................................................$10
Deposit correction....................................................................................................... $3
(Customers only - incoming or outgoing)......................................$20
Wire Transfers (customers only)
COMMERCIAL LOANS **
Commercial Loans
Working Capital Lines of Credit
Fixed Asset Purchases
Equipment Financing
Interim Construction Financing
Commercial Real Estate Loans
SBA Loans
Farm Loans
Point-of-sale transaction.................................................................................. FREE
n
Collection fees
Non-customer check cashing
BUSINESS SERVICES
n Merchant Card Services****
n Night Deposit
n Business Credit Cards***
n Free Business VISA® Debit Card
n Free Notary Service
n UPhone (bank-by-phone)
Inactive account fee (starts 7th month of no activity)................. $12.50
Special handling of returned deposited items...........................$10
Overdraft protection (sweep).............................................................................. $5
Research (no charge for bank error)
Hourly charge.......................................................................................................$25
Photocopies............................................................................................................. $1
* Automatic debit required.
***Cards are issued by First Bankcard®, a division of First National Bank of Omaha.
****Merchant Card Services are issued by BancCard Merchant Services.
11
C OMMUNITY B ANK OF TEXAS
C OMMUNITY B ANK OF TEXAS
Treasury Services Pricing as of January 2015
Incoming Wire Transfers
COMMUNITY BUSINESS XPRESS
Balance Reporting (commercial accounts), prior day balances and
activity, intra-day memo items, intra-bank transfers, stop payments,
download capability, multiple users, online wire transfer
up to 2 Accounts*................................................................................................... $35
up to 4 Accounts..................................................................................................... $55
up to 6 Accounts..................................................................................................... $75
up to 8 Accounts..................................................................................................... $95
up to 10 Accounts............................................................................................... $125
up to 20 Accounts............................................................................................... $200
Greater than 20 Accounts............................................................................... $250
ZERO BALANCE ACCOUNTS
ZBA Monthly Maintenance............................................$35 per Month/Account
INCOMING DOMESTIC WIRE INSTRUCTIONS
Receiving Bank ABA 113111983
REMOTE DEPOSIT CAPTURE
Monthly Maintenance................................................... $60 First location/scanner
Monthly Maintenance > one location.................................................................. $30 per additional scanner
Per Item............................................................................................................................ $0.05
Image Reject/Repair.......................................................................................$0.50 each
Scanner Charge:
Scanner (hard charge)...................................................................... at cost to bank
Scanner Depot Maintenance..................... $7.50 per scanner per month
Scanner Lease........................................................................................... $25 per month
Receiving Bank Name CommunityBank of Texas, N.A.
Receiving Bank Address 5999 Delaware
Beaumont, TX 77706
Beneficiary Name Customer or Account Name
Beneficiary Account Number Customer Account Number
Beneficiary Address Customer Address
Beneficiary Phone Number Customer Phone Number (optional)
*Deposit Checking accounts only. Loans, CDs, Savings not included in # of accounts.
ACCOUNT RECONCILIATION
Full Account Reconciliation Maintenance (includes Positive Pay).............. $100
Partial Account Reconciliation Maintenance (includes Positive Pay)........... $75
Positive Pay No Issue Exceptions............................................................. $5 upload
Additional Reconciliations/Cycle............................................................................ $25
Recon File Delivery Fee............................................................................................... $25
POSITIVE PAY
Positive Pay Stand Alone Maintenance...................$65 per Month/Account
Positive Pay with Payee Verification..........................$75 per Month/Account
Positive Pay No Issue Exceptions.....................................................$5 per upload
ACH
Monthly ACH Maintenance per Company ID.................................................. $30
Per Item(s) Originated.............................................................................................. $0.10
Reversal/Deletion............................................................................................................ $20
Return Item Charge Back........................................................................................ $7.50
SMALL BUSINESS ACH
Pricing is available for customers with 20 or fewer items originated and
no other Treasury Services.
Monthly ACH & Online Banking Maintenance............................................... $15
Per Item(s) Originated..................................................................................................... $1
Reversal/Deletion............................................................................................................ $20
Return Item Charge Back........................................................................................ $7.50
ACH PROTECTION (Debit/Credit Block)
ACH Protection Selective Authorizations.......................................................... $10 for 1 authorization
ACH Protection Selective Authorizations > 1.................................................. $20 max for more than 1 authorization
ACH Protection-Block All Debits*..................................................$5 per account
CD ROM
CD ROM Monthly Maintenance......................................................$35 per Month
DEPOSIT ACCOUNT CONTROL AGREEMENT
DACA Monthly Maintenance per Month/Account.................................... $100
CONTROLLED DISBURSEMENT
CD Monthly Maintenance....................................................................................... $100
LOAN SWEEP
Loan Sweep Monthly Maintenance.................................................................... $100
12
MEDICAL LOCKBOX
Monthly Maintenance (per lockbox account)............................. $125 per month
Web Lockbox (per Company login).................................................... $75 per month
EOB Imaging options:
EOB Imaging non-searchable (per item/page)....................................... $0.12
EOB OCR Imaging searchable (per item/page)..................................... $0.17
Check Processing........................................................................................................ $0.35
Patient Payments – Single/Multiple.................................................................. $0.10
Data Entry – Patient payments (per key).......................................................... $0.03
Non-check Items (per page).................................................................................... $0.25
Medical Records / EOB Destruction............................................. $20 per month
CD / DVD ROM........................................................................................ $20 per month
Data File............................................................................................................................ $125
Optional / Additional Charges:
Medical Payment Sorts (per batch).............................................................. $2.50
Image Envelopes................................................................................................. $0.06
Archive Images Beyond 30 Days................................................................ $0.18
Archive Viewer Software (one-time fee)......................................................... $15
Print Paper Images (per item)......................................................................... $0.18
Print Paper Reports................................................................................................ $60
Cash Deposits....................................................................................................... $7.50
Correspondence / No Check Mail............................................................. $0.15
Return to Sender mail....................................................................................... $1.25
Unidentifiable Payee................................................................................................ $2
Stapling Images or Envelopes................................................$15 per deposit
INTERNATIONAL WIRE INSTRUCTIONS
56 - Intermediary Bank Swift WFBIUS6S
Intermediary Bank Name Wells Fargo Bank
Intermediary Bank Address San Francisco
57 - Beneficiary Bank ABA 113111983
Beneficiary Bank Name CommunityBank of Texas, N.A.
Beneficiary Bank Address 5999 Delaware
Beaumont, TX 77706
59 - Beneficiary Name Customer Name
Beneficiary Account Number Customer Account Number
Beneficiary Address Customer Address
Beneficiary Phone Number Customer Phone Number (optional)
72 - Include any “Special Instructions” needed to credit the correct account when wire is received.
WHOLESALE LOCKBOX
Monthly Maintenance (per lockbox account)..................................................... $125
Web Lockbox (per Company login)............................................................................ $75
Imaging (per item/page)............................................................................................. $0.15
Check Processing........................................................................................................ $0.30
Data Entry (per key)...................................................................................................... $0.03
Non-check Items (per page).................................................................................... $0.25
CD / DVD ROM........................................................................................ $20 per month
Data File............................................................................................................................ $125
Optional / Additional Charges:
Image Envelopes................................................................................................. $0.06
Archive Images Beyond 30 Days................................................................ $0.18
Print Paper Images (per item)......................................................................... $0.18
Print Paper Reports................................................................................................ $60
Cash Deposits....................................................................................................... $7.50
Correspondence / No Check Mail............................................................. $0.15
Return to Sender mail....................................................................................... $1.25
Unidentifiable Payee................................................................................................ $2
Stapling Images or Envelopes................................................$15 per deposit
13
C OMMUNITY B ANK OF TEXAS
Online and Mobile Banking
Simplify the way you bank |
When you sign up for online and mobile banking with CommunityBank, you have 24/7
access to a wide range of banking and money management options that help you stay in control of your finances. Enrollment for
these services is quick and easy through Community Xpress Online Banking, or simply contact us for more information to help
get you started.
COMMUNITY XPRESS ONLINE BANKING | Whether you’re
MOBILE BANKING* | Your bank is as close as your smartphone
at home, the office or on vacation, you can manage your
accounts, transfer funds or pay bills. And you can be confident
that all transactions are fast, private and secure.
nView account balances
nView account statements
nTransfer funds between accounts
nCancel checks
nPay bills electronically
nDownload account information into Intuit Quicken®
or QuickBooksTM software
with our fast, easy mobile banking app. Enroll online through
Community Xpress Online Banking, then download the free
app from iTunes® App store or Google Play™ store. With Mobile
Banking, you can view account balances, transfer money, find an
ATM, pay bills, deposit checks and even pay your friends.
COMMUNITY XPRESS ONLINE BILL PAY | Schedule automatic
payment of your monthly personal bills with free online Bill Pay.
Simply set up your billing information one time, then enter the
amount to pay and due date each month. Online Bill Pay can
help you minimize interest charges and avoid late fees.
U Deposit Anywhere Mobile Deposit
| You can easily and
securely deposit your checks right from your smartphone or
tablet. With Mobile Deposit, just snap a picture of your endorsed
check and send. It’s simple to use and available through our free
Mobile Banking app once you’ve enrolled online.
U Phone | With U Phone, your
| Our person-to-person payment service allows you
to quickly and easily send money to anyone with only an email
address right from your smartphone or computer – no account
number required! It’s fast, convenient and available through our
Mobile Banking app.
*
2 SPANISH**
the nearest phone. With one phone
1
call, you can handle most banking
1 Checking
1 Checks and other debits
2 Deposits and other credits
3 ATM transactions
4 All transactions since last statement
5 Fax a copy of your statement
6 Search by check number
7 Search by amount
8 Upcoming ACH transactions
transactions anytime day or night.
You can check balances, transfer
money, confirm deposits, place stop
payments on checks, make loan
payments and more.
To use U Phone, have your account
number and access code ready. Call
the free local number for your area.
Then follow the prompts or use the
U Phone Menu provided for easy
reference.
ACCOUNT INFORMATION
2
Savings
3 Loans
4 CDs and IRAs
2
FUNDS TRANSFER
3
STOP PAYMENT
4
BANK LOCATIONS
5
LOST OR STOLEN DEBIT CARD
ACTIVATION
6
U Transfer XPress
| With U Transfer XPress, you can quickly
transfer money between your CommunityBank accounts
and accounts you may have at other financial institutions.
Sign up online through Community Xpress Online Banking
at communitybankoftx.com.
or
bank, and your money, is as close as
*
UCanPay
1 ENGLISH
*
** Las opciones del menú son las mismas
para la selección en español o inglés.
eSTATEMENTS and eNOTICES | Go green and reduce your
mailbox clutter by signing up to receive eStatements and
eNotices. They’re faster and more secure, plus eStatements and
check images are available online for 18 months.
7
CHANGE U PHONE PIN
#
MAIN MENU
Press at anytime to return to the main menu.
*
CANCEL
Press at anytime to return to the previous menu.
CALL THE TOLL-FREE U PHONE NUMBER BELOW FOR YOUR AREA.
409.861.2265
Beaumont
Buna
Deweyville
Lumberton
Silsbee
Vidor
Woodville
409.224.7948
Jasper
Kirbyville
Newton
409.241.2128
Nederland
Port Arthur
409.221.6943
Orange
281.848.2599
Houston
281.318.2924
Humble
281.691.9985
Baytown
281.848.2599
Pasadena
713.353.1688
Crosby
Huffman
Tomball
979.531.8220
Boling
Wharton
* Some Mobile Banking features
incur a service charge when used.
Some restrictions and approval
may apply. See bank for details.
14
15
L O C AT I O N S
The Woodlands
Tomball
Huffman
Champions
Humble
Crosby-Main
Crosby-II
Hwy 290
Sheldon
Baytown-Hwy 146
Washington
Memorial City
North Shore
Baytown-Garth
Downtown
Two Memorial City
Westchase
Pasadena
C O M M U N I T Y B A N K
Sugar
Land
HOUSTON
Wharton
Boling
Jasper
Newton
Woodville
Kirbyville
EAST/
SOUTHEAST
Silsbee
Buna
Lumberton
Vidor
Deweyville
Beaumont
Nederland
Port Arthur
16
Orange
O F
T E X A S
Greater Houston Area
East/Southeast Texas Area
Houston
Boling
Beaumont
Newton
Wedge International Tower
1415 Louisiana, Lobby Level
Houston • 77002
713.210.7600
100 Texas Avenue
Boling • 77420
979.657.4411
5999 Delaware
Beaumont • 77706
409.861.7200
319 Rusk St.
Newton • 75966
409.379.8587
Crosby
6378 Phelan Blvd.
Beaumont • 77706
409.861.7290
Orange
14561 Northwest Freeway
Houston • 77040
713.210.7773
6200 FM 2100
Crosby • 77532
281.328.4811
6461 FM 1960 West
Houston • 77069
713.210.7640
14100 FM 2100
Crosby • 77532
281.328.4822
13909 East Freeway
Houston • 77015
713.330.4500
Huffman
13222 Tidwell Road
Houston • 77044
281.458.8882
6226 Washington Avenue
Houston • 77007
713.526.1700
10333 Richmond Avenue
Houston • 77042
713.339.2632
24900 FM 2100
Huffman • 77336
281.324.4151
Humble
19010 West Lake Houston Pkwy
Humble • 77346
281.852.2020
Pasadena
3498 East Sam Houston Pkwy S.
Pasadena • 77505
281.925.4769
Sugar Land
NEW LOCATIONS
POST CONVERSION WITH
MEMORIAL CITY BANK
4690 Sweetwater Boulevard
Sugar Land • 77479
281.325.5000
820 Gessner, Suite 140
Houston • 77024
713.829.2736
Tomball
10097 Katy Freeway
Houston • 77024
713.973.8000
Baytown
5700 Garth Road
Baytown • 77521
281.421.1942
8010 North Highway 146
Baytown • 77523
281.383.2727
28515 State Highway 249 Bypass
Tomball • 77375
281.290.0301
Wharton
1610 North Alabama Road
Wharton • 77488
979.282.2555
1900 Research Forest Drive
The Woodlands • 77381
832.325.2335
NMLS #423137
18
7410 Highway 105
Beaumont • 77713
409.898.1850
Buna
296 Highway 62 East
Buna • 77612
409.994.5954
Deweyville
43427 State Hwy 87 S
Orange • 77632
409.746.7026
Jasper
637 S. Wheeler
Jasper • 75951
409.383.0999
Kirbyville
918 S. Margaret St.
Kirbyville • 75956
409.423.4602
Lumberton
111 Country Lane
(Highway 421)
Lumberton • 77657
409.861.7275
Nederland
The Woodlands
communitybankoftx.com
JUNE 2015
490 Park, Suite 105
Beaumont • 77701
409.861.7286
2008 Highway 365
Nederland • 77627
409.861.7270
3300 Edgar Brown Dr.
Orange • 77630
409.670.9300
Port Arthur
4749 Twin City Highway
Port Arthur • 77642
409.861.7250
2901 Turtle Creek Drive
Suite 100
Port Arthur • 77642
409.861.7280
Silsbee
645 N. 5th Street
Silsbee • 77656
409.386.6058
Vidor
1475 N. Main
Vidor • 77662
409.783.0880
Woodville
501 S. Magnolia
Woodville • 75979
409.283.8100