Guide - Redding Bank of Commerce

Transcription

welcome guide
Important Information About Changes
to Your Account Terms and Services
of
redding bank
commerce
Terms and Services for Transitioning Bank of America
Customers in Colusa, Corning, Orland, Willows and Yreka
commerce
Welcome to Redding Bank of Commerce!
Redding Bank of Commerce recently entered into an agreement with Bank of America
to purchase five branches in Colusa, Corning, Orland, Willows, and Yreka, California,
remote ATMs and certain deposit and loan accounts associated with these locations.
We are very excited to have you as our future customer and are looking forward to
providing you the quality of service and personal attention you deserve.
As part of this transaction, your Bank of America accounts will be converted to Redding
Bank of Commerce’s banking systems beginning at the close of business on March 11,
2016, and continue over the weekend. Your branch will reopen on March 14, 2016,
as Redding Bank of Commerce. Our goal is to make this transition as seamless and
undisruptive as possible so that you can begin to enjoy the high level of service and
personal attention that we deliver to all of our customers.
In this Welcome Guide you will find details about the transition including important
changes to deposit accounts and other services that will take place, as well as key
dates to remember. Please take some time to review this important and time sensitive
information, and keep it with you as a reference throughout the next few weeks.
Redding Bank of Commerce is a 33 year old community bank that was established by
local individuals and business people to provide community banking to its customers.
We have four locations, three in Redding and one in Roseville, California, and we couldn’t
be more excited to be able to expand our Northern California market. Our mission is to
be the premier provider of quality financial products and services, to create value for
our customers, and to serve our communities with integrity and pride. We are active in
our communities because we believe that for us to be successful, our communities must
be supported. We want you to know that you are banking with a financially strong and
secure institution, and that we will work hard to earn your trust and loyalty every day.
If you have any questions, our team at Redding Bank of Commerce is ready to help you.
You can call our Customer Care Center at (530) 224-3333, or you can contact your local
branch beginning March 14, 2016. We look forward to meeting you and helping you
with your financial needs.
Randall S. Eslick
President and CEO
Redding Bank of Commerce
(530) 224.3333 | (800) 421.2575 | www.reddingbankofcommerce.com
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TABLE OF CONTENTS
Conversion Details and Important Changes to Your Accounts and Services 5
Debit and ATM Cards 5
Draft/Direct Deposit or Automated Clearing House (ACH) Entries 5
Deposit Accounts 6
Interest on Accounts 7
Electronic Banking
7
Statements 8
Loan Accounts 9
Other Services
9
Account Summary Guide
10
Fees and Services Schedule - Effective March 1, 2016 13
Key Dates to Remember at a Glance 14
Questions?
14
Locations 16
Nuestra Guía de Bienvenida está disponible en español en
nuestro sitio web, www.reddingbankofcommerce.com.
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commerce
Conversion Details and Important Changes to Your Accounts and Services
The Bank of America branches in Colusa, Corning, Orland, Willows, and Yreka, California,
will close at 12:00 pm PST on Friday, March 11, 2016. The system conversion and
changes to your account terms and services will take place at that time and continue
through Sunday, March 13, 2016. During this time, there is nothing you need to do. On
Monday, March 14, 2016, you may notice some differences in the way you access your
accounts with us as outlined in this Welcome Guide. Debit and ATM Cards
Transfer of Your Card
Your Bank of America Debit or ATM card will be replaced with a Redding Bank of
Commerce MasterCard® Debit or ATM card. On or prior to March 1, 2016, you will
receive your new card and PIN from Redding Bank of Commerce separately in the mail. Please keep these in a secure place until it is time to activate your new card.
Expiration of Your Bank of America Debit or ATM Card
Please continue to use your Bank of America Debit or ATM card until it expires at
7:30 pm PST on March 11, 2016. We recommend that you destroy your Bank of
America card at that time. We also recommend that you withdraw enough cash for
the weekend, as branch ATMs may not be available until March 14, 2016. When to Use Your New Redding Bank of Commerce MasterCard® Debit or ATM Card
Upon receipt of your new Redding Bank of Commerce MasterCard® Debit or ATM
card, please keep this card in a secure place and do not attempt to use it until it has
been activated. You can activate and begin to use your Redding Bank of Commerce
MasterCard® Debit or ATM card after 12:00 pm PST on March 11, 2016. You must
activate your card prior to use. Activating Your Redding Bank of Commerce MasterCard® Debit or ATM Card
Instructions for how you can activate your card and change your PIN will be included
with your new card. Please keep these instructions with your card in a secure place
until you can activate the card after 12:00 pm PST on March 11, 2016. ATM Locations
After the initial activation, you may use your new Redding Bank of Commerce
MasterCard® Debit or ATM card at any of our ATMs or at any Shazam™ Network ATM
location nationwide without incurring a surcharge. Our Redding Bank of Commerce
ATM locations can be found on the back cover of this Welcome Guide or refer to our
website at www.reddingbankofcommerce.com.
Draft/Direct Deposit or Automated Clearing House (ACH) Entries
To ensure there is no disruption to your draft/direct deposit service, please contact your
ACH originating companies after March 11, 2016, to update the routing and transit
number and account number for your automated drafts or deposits. Some originators
will discontinue the automated transaction if they do not hear from you regarding the
routing and transit number and/or account number change. The new routing and transit
number on your Redding Bank of Commerce account(s) will be 121139287. This change
is effective March 12, 2016. We will continue to accept your draft/direct deposits for a
limited time.
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A notification from you to the originating company after March 11, 2016, will help
ensure that your automated transactions continue as normal. If you encounter a
problem with your draft/direct deposit service, please contact us at (530) 224-3333 or
visit your local branch.
Important Information for Customers Receiving Social Security Benefits
The U.S. Government will not change the routing information for your benefits
automatically or based on a notification of change (NOC) from a bank. You must
contact them directly via phone, toll free at (800) 772-1213 (TTY (800) 325-0778), or via
the internet at https://www.ssa.gov/myaccount/, after March 11, 2016.
If you encounter a problem with your direct deposit service, please contact us at
(530) 224-3333 or visit your local branch.
Deposit Accounts
Checks
On or about March 1, 2016, you will receive complimentary Redding Bank of Commerce
replacement checks via U.S. mail from our check company, Harland Clarke, which will
reflect your account number and Redding Bank of Commerce’s routing and transit
number. If you order checks through another source, you must provide your check
vendor with your account number and routing and transit number 121139287.
When you receive your complimentary new checks, please verify your personal
information is correct, and keep these in a secure place. Continue to use your Bank
of America checks through March 11, 2016. At that time, please destroy your Bank of
America checks. You can begin to use your new Redding Bank of Commerce checks on
March 12, 2016. If you do not receive checks from Harland Clarke by March 4, 2016, please contact us
at (530) 224-3333.
Checking and Money Market Accounts
Your account number(s) may change on your checking or money market account(s)
with this conversion. You will be notified prior to March 1, 2016, of your new account
number(s). We will continue to honor your outstanding Bank of America checks,
automatic debits, point of sale (POS), automatic payments and/or pre-authorized
transactions after the transfer date through May 11, 2016, provided you have sufficient
available balances in your Redding Bank of Commerce account(s) at the time of
presentment of the transaction. Please begin to use your complimentary Redding Bank
of Commerce checks on March 12, 2016, and destroy your unused Bank of America
checks.
If you have monthly automatic payments or direct deposits to your account please refer
to page 5 in this Welcome Guide.
Savings, Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs)
Your account number(s) may change on your savings, CD or IRA account(s) with
this conversion. You will be notified prior to March 1, 2016, of any changes to your
account number(s). 6
commerce
Maturity dates, penalties, interest rates and annual percentage yields (APYs) will not
change. All CD terms will remain the same until maturity. We will notify you of the
new account terms and conditions that will be associated with your account prior to
the maturity of your CD.
Redding Bank of Commerce will become the custodian for your IRA effective at the
close of business on March 11, 2016. The terms associated with your IRA will not
change. Please visit your local branch and change any associated automatic deposit
to your Redding Bank of Commerce account and notify your tax and financial planners. Overdraft Protection
Overdraft lines of credit or accounts tied to a credit card for overdraft protection WILL
NOT be included in the transition of account services. Customers may apply for an
Overdraft Line of Credit at their local branch.
Redding Bank of Commerce offers two overdraft protection services:
-Overdraft Line of Credit: Customers must apply, and are subject to credit approval. Please visit your local branch for additional information.
-Savings Overdraft: Customers have the option to link a checking, savings, or money
market account to their checking account; in the event of an overdraft, the linked
account will transfer available funds automatically to cover the overdraft.
Interest on Accounts
Interest accrued on your checking, savings and money market account(s) through March
11, 2016, will be paid by Bank of America. Interest accruals will begin with Redding Bank
of Commerce on March 12, 2016.
Your CD and IRA account(s) will continue to accrue interest and be paid by Redding Bank
of Commerce on the next interest payment date.
Current Rates
Please contact us at (530) 224-3333 for current rates on our product offerings.
Electronic Banking
Online Banking
Online banking customers will receive additional information in the mail and through email
regarding their online accounts prior to February 25, 2016. Please read the information
thoroughly. Your User ID will not change. Prior to February 25, 2016, you will receive
instructions on how to access the Redding Bank of Commerce Online Banking service for
your account. When you go to our website, www.reddingbankofcommerce.com, to sign on
for the first time, you will be prompted to create a new password as part of the enrollment
process. You can begin enrollment for Redding Bank of Commerce Online Banking on or
after March 14, 2016. Please contact us at (530) 224-3333 or visit your local branch if there
is an issue.
Please note: Redding Bank of Commerce Online Banking will not be available from March 11,
2016, through March 13, 2016. Until the conversion is complete certain information, such as
balances on your account(s), may not be available for viewing. All online banking information
will be available by March 14, 2016.
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Mobile Banking
You can download the Redding Bank of Commerce smartphone or tablet app and
begin accessing Mobile Banking on March 14, 2016. The app is available for both
Android and iOS operating systems and can be found in the play or app store. Redding
Bank of Commerce offers Mobile Banking which allows you to view account history
and balances, make transfers between your Redding Bank of Commerce accounts and
make deposits from your smartphone or tablet 24 hours a day, seven days a week. You must be enrolled in Online Banking to access Mobile Banking.
Telephone Banking
The Telephone Banking number is (800) 422-7931. You may access your account(s)
beginning March 14, 2016, at this number. You will log in using your account number. The first log in will require security verification, then you will follow the prompts. If
you encounter a problem please call (530) 224-3333 or visit your local branch.
Remote Deposit Capture
Redding Bank of Commerce offers Remote Deposit Capture for business customers. If you currently use Remote Deposit Capture for your business, we will be contacting
you personally prior to March 11, 2016, to set up a time to provide information and
training on the Redding Bank of Commerce Remote Deposit Capture system. Bill Pay
You can enroll for Redding Bank of Commerce Bill Pay beginning March 14, 2016. Bill
Pay is accessed through Redding Bank of Commerce Online Banking by simply clicking
on the option for Bill Pay and following the prompts. Your current payees, recurring
payments and payment categories at Bank of America’s Bill Pay will transfer to Redding
Bank of Commerce’s Bill Pay with this conversion. You will need to re-enroll for any bills
delivered via Electronic Bill Presentment. However, we recommend you print or save
any history and other information you may need and to verify that your bill pay settings
have transferred correctly. Transaction history will begin on Redding Bank of Commerce Bill Pay on March 14, 2016. Please note: Redding Bank of Commerce Bill Pay will be available beginning March 14, 2016.
You can enroll for Redding Bank of Commerce Bill Pay on or after March 14, 2016, provided you
have enrolled in Online Banking.
In preparing for the conversion, the last day to schedule a bill payment through Bank of
America Bill Pay is March 8, 2016, by 2:00 pm PST. For payments scheduled for delivery during
the conversion weekend, please check with your payees to ensure payments are received. You
may want to manually make payments between March 8, 2016, and March 14, 2016.
Statements
You will receive a final Bank of America statement with account activity through
March 11, 2016. For personal statements, your first Redding Bank of Commerce statement following
the March 11, 2016, transfer will be processed on or near your regular statement
date. For business statements, your first Redding Bank of Commerce statement following
the March 11, 2016, transfer will be processed on March 31, 2016. Cut off dates for
business statements will be the last business day of each month. 8
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Electronic Statements
We offer electronic statements through Redding Bank of Commerce Online Banking. To sign up for electronic statements, enroll in Online Banking. You can view activity
on your online banking account beginning March 14, 2016.
All electronic statements are produced on the cycle date specific to your account. Your first electronic statement will be available upon receipt of the secure email from
Redding Bank of Commerce.
Loan Accounts
There will be no changes to the rate or term of your loan as a result of this conversion. You can continue to make payments at your local branch or online through Online
Banking. If you wish to make your loan payment through mail, ACH or wire transfer,
please use the following information:
By Mail: Redding Bank of Commerce
Attn: Loan Administrative Services
1951 Churn Creek Road
Redding, CA 96002-0246
By ACH: Redding Bank of Commerce
ABA #121139287
Account Number: Your loan number
By Wire Transfer:
Attn: Loan Administrative Services
ABA #121139287
Account Number: Your loan number
Other Services
Credit Cards
Redding Bank of Commerce will offer credit cards for both personal and
business use beginning March 14, 2016. For more information please visit www.
reddingbankofcommerce.com.
Safe Deposit Boxes
At the time of annual renewal we will send you a renewal notice. Please see our Fees and
Services Schedule on page 13 for annual rental fees. Night Drop
Night Drop services will be unavailable beginning 8:00 am PST on March 11, 2016,
until 9:00 am PST on March 14, 2016. On or after March 14, 2016, a Redding Bank of
Commerce representative will contact you to set up a new contract, or you may visit
your local branch.
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Bank by Mail
After 12:00 pm PST on March 11, 2016, customers using Bank by Mail services should
begin
mailing deposits to:
Account Summary Guide
At the close of business on March 11, 2016, your current account(s) will be converted to
Redding Bank of Commerce. As previously outlined in this Welcome Guide your account
number(s) may change, and your account type and its features may have been updated. Please refer to the information beginning on page 11, which shows current accounts that
will have changes. Affected accounts are shown in the first column. In the next two
columns, you will find the new account name and its terms and features. For detailed
information regarding your new account, please refer to the Terms and Conditions
enclosed with this Welcome Guide.
After you have reviewed the account information, if you feel a different Redding Bank
of Commerce account better suits your needs, please contact us at (530) 224-3333 or
visit your local branch after March 14, 2016, to discuss other options and to make any
necessary changes to your account. 10
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PERSONAL DEPOSIT ACCOUNTS
If Your Bank of America Account Was:
Bank of America Core Checking
Regular Checking
Regular Checking – Advantage Relationship
Regular / BofA Core Checking –
Advantage Relationship
Senior Economy Checking
Your New Redding Bank of
Commerce Account Will Be:
Simple Checking
See page 1 of the Account Terms
and Conditions for account
disclosure information.
Choice Rewards Checking
eBanking Checking
SafeBalance Checking
Foundation Checking
Personal Interest Checking
Advantage with Tiered Interest Checking
Bank of America Interest Checking
MyBOC
Bank of America Core Checking - Youth
Personal Savings
Regular Savings
Custom Savings
Youth Savings
Minor Savings
GWIM Money Market Savings
Money Market Savings
Platinum Money Market Savings
Rewards Money Market Savings
Personal Money Market
Terms and Features
• $1,000 average monthly balance or $250 direct deposit
posted or 10 POS Debit Card transactions posted during the statement cycle to avoid $9.95 monthly service charge
• MasterCard® Debit Card
• Unlimited Transactions
• Free Online, Mobile & Text Banking with Bill Pay
• Electronic statement
• $3.00 fee for monthly paper image statement
• See Fees & Services for other fees that may apply
• Requires 20 or more POS Debit Card transactions posted during statement cycle and electronic statement to avoid
$7.95 monthly service charge
• Cash Back Reward*
• Unlimited Transactions
• Up to $10.00 monthly refund on foreign ATM fees**
• $4.95 monthly service charge
• $5,000 average monthly balance or $10,000 in combined
average balances to avoid $15.00 monthly service charge
• Earn more interest on higher balances
• Student Account (14 to 23 years)
• Up to $10.00 monthly refund on foreign ATM fees**
• $100 average monthly balance or linked to a checking
account for overdraft protection to avoid $5.00 monthly
service charge
• Limit 6 pre-authorized transactions per statement cycle
at no charge, $2.00 charge for additional transactions • See Fees & Services for other fees that may apply
• For youth under 18 years of age
• $2,500 average monthly balance to avoid $15.00
monthly service charge
*$0.05 cash back per POS transaction; does not include cash withdrawal made at an ATM. Total reward limited to $150.00 per year.
**Refund will be provided if transaction requirements have been met. See Account Terms for additional information.
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BUSINESS DEPOSIT ACCOUNTS
If Your Bank of America Account Was:
Business Economy Checking
Business Advantage Checking
Business Fundamentals® Checking
Full Analysis Business Checking
Business Advantage Checking - Primary
Your New Redding Bank of
Commerce Account Will Be:
Terms and Features
Basic Business Checking
• $1,500 average monthly balance or $5,000 in combined average balances to avoid $13.00 monthly service charge
• 250 transactions (checks) / $0.25 per item over 250 checks posted during statement cycle
• Free Online, Mobile & Text Banking
• See Fees & Services for other fees that may apply Includes Analysis Fees
Business Select Checking
See page 10 of the Account
Terms and Conditions for account
Business Interest Checking
Business Interest Checking
Business Investment Account
Business Savings
Select Business Interest Maximizer® Savings
Business Money Market
Business Interest MaximizerTM Savings
Platinum Business Interest
MaximizerTM Savings
Public Service Trust
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State Bar (IOLTA)
• $15,000 average monthly balance or $30,000 in combined
average balances to avoid $25.00 monthly service charge
• 400 transactions (checks) / $0.25 per item over 400 checks
posted during statement cycle
• Includes one of the following services free of charge:
Night Drop, small Safe Deposit Box, Business Bill Pay, Target Balance Accounting, ACH Fraud Filter
• $5,000 average monthly balance or $10,000 in combined average balances to avoid $16.00 monthly service charge
• 250 transactions (checks) / $0.25 per item over 250 checks
posted during statement cycle
• $100 average monthly balance to avoid $5.00
• $2,500 average monthly balance to avoid $15.00
• Variable Interest Bearing Account
commerce
Fees and Services Schedule - Effective March 1, 2016
The following fees and charges may be assessed against your account. A fee schedule will be provided to you at the time
you open an account, periodically when fees or charges change, and upon request. Check printing fees vary by the style of
check ordered.
Overdraft Fee (paid overdraft fee) Maximum $150 per day
Returned Item Fee (returned check fee) Maximum $150 per day
Daily Overdraft Fee (after 3 business days)
Stop Payments – 6 month expiration date
Stop Payments – 12 month expiration date
Chargeback Returned Item
Chargeback Returned Item – Special Handling
Legal Process
Special Statements
Cashiers Checks
Incoming / Outgoing Collections
Domestic Wire Incoming
Domestic Wire Outgoing
Foreign Wire Incoming
Foreign Wire Outgoing
Night Depository (annual)
Night Depository Key Deposit
Research & Reconcilement (per hour)
Photocopies (per copy)
Telephone Transfer
Courier (per pick-up)
Health Savings Account Annual Reporting Fee
IRA Annual Reporting Fee
Notary Services – Bank Customer Per Signature
Notary Services – Non Bank Customer Per Signature
Unrolled Coin Processing Fee of Total Deposit
2x5 Safe Deposit Box
10x7 Safe Deposit Box 10x10 Safe Deposit Box Safe Deposit Key Deposit
Safe Deposit Forced Entry - Other fees may apply
Basic Online Banking
Consumer Bill Payment
Check Free Bill Payment Research
Copy of Bill Payment Check
Money Service Business Monthly Fee
Lockbox Services:
Lockbox Processing – Set-up Fee
Lockbox Monthly Maintenance Fee
$30.00
$30.00
$7.00
$20.00
$30.00
$10.00
$15.00
$75.00
$5.00
$10.00
$15.00
$15.00
$25.00
$15.00
$45.00
$45.00
$5.00
$30.00
$0.50
$2.00
$15.00
$25.00
$25.00
$5.00
$10.00
5.0%
$40.00
$50.00
$60.00
$70.00
$80.00
$100.00
$125.00
$15.00
$200.00
Free
Free
$25.00
$10.00
$150.00
Lockbox Daily Reporting Fee
$5.00
Lockbox Per Item Fee
$0.35
Post Office Box Rental
Varies
Bill Payment Services:
Business Bill Pay Payment - Monthly $15.00
Includes 20 payments per month
Deluxe Business Bill Pay Payment - Monthly
$25.00
Additional Bill Pay Payments (each)
$0.75
Treasury Management:
Installation & Training (one-time fee)
$25.00
ACH:
Monthly Base Fee
$20.00
ACH File Transmission Fee (per file)
$3.50
ACH Transaction Fee (per transaction)
$0.15
Electronic Tax Payment
$3.50
ACH Reject Fee $10.00
Wire Transfer:
Monthly Base Fee
$20.00
Domestic Wire Outgoing $10.00
Foreign Wire Outgoing $25.00
Security Token (replacement fee)
$15.00
Remote Deposit Capture:
Installation and Training (one-time fee) $50.00
Monthly Software Subscription Fee – $50.00
Primary Site
Monthly Software Subscription Fee – $25.00
Additional Site
Zero / Target Balance Services – Basic
$9.95
Zero / Target Balance Services – Advanced
$19.95
Easy Pay – Per Account
$19.95
ACH Fraud Filter – Per Account
$14.95
Account Data Transfer – Per Account
$9.95
Account Data Transfer (BAI2) – Per Account
$29.95
Treasury Management – Other Fees Analysis:
Maintenance Fee
$12.00
Deposits
$0.15
Items Deposited
$0.08
Chargeback Returned Item
$10.00
Chargeback Returned Item – Special Handling $15.00
Checks & ACH Paid
$0.15
Currency (per thousand)
$1.00
Rolled Coin (per roll)
$0.10
Negative Balance Prime Rate
$100.00
$100.00
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Key Dates to Remember at a Glance
Receive Online Banking/Bill Pay information in mail:
Prior to February 25, 2016
Receive new Redding Bank of Commerce account number(s) in mail: Prior to March 1, 2016
Receive new Redding Bank of Commerce checks:
Prior to March 4, 2016
Receive Redding Bank of Commerce MasterCard® Debit or ATM card: Prior to March 4, 2016
Receive PIN in mail (1-3 days after receiving card): Prior to March 4, 2016
Last day to schedule online payments through Bank of America:
March 8, 2016 by 2:00 pm PST
Conversion Weekend:
March 11-13, 2016
Bank of America Online Banking discontinued:
March 11, 2016 at 12:00 pm PST
Bank of America final statement:
March 11, 2016
Begin to use Redding Bank of Commerce Debit and/or ATM card:
March 11, 2016 after 12:00 pm PST
Destroy Bank of America checks, Debit and/or ATM card:
March 11, 2016 after 12:00 pm PST
Begin to use new Redding Bank of Commerce checks:
March 12, 2016
Begin to use Telephone Banking:
March 14, 2016
Begin to use Redding Bank of Commerce Online Banking and Bill Pay:
March 14, 2016
Begin to use Redding Bank of Commerce Mobile Banking:
March 14, 2016
First Redding Bank of Commerce business statements mailed:
March 31, 2016
First Redding Bank of Commerce electronic statements are available:
Vary based on account
First Redding Bank of Commerce personal statements are mailed:
Vary based on account
Questions?
We hope this information has been helpful in guiding you through our upcoming conversion. We look forward to having you as our customer and continuing to serve all of your financial
needs. If you have any questions please contact us at (530) 224-3333 or visit your local branch.
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Locations
1177 Placer Street
3455 Placer Street, Suite A
1504 Eureka Road, Suite 100
Roseville, CA 95661-3058
558 Market Street
Colusa, CA 95932-2426
1222 Solano Street
Corning, CA 96021-3145
1920 Solano Street
Corning, CA 96021-2800
ATM only
328 Walker Street
Orland, CA 95963-1347
125 E. Walker Street
Orland, CA 95963-1525
ATM only
155 N. Tehama Street
Willows, CA 95988-2813
692 E Street
Williams, CA 95987
ATM only
200 S. Broadway Street
Yreka, CA 96097-2904
All locations have ATMs onsite
of
redding bank
commerce
Main: (530) 224-3333
Toll Free: (800) 421-2575
www.reddingbankofcommerce.com
www.sacramentobankofcommerce.com
www.bankofcommerceholdings.com
Member FDIC

Guide - Redding Bank of Commerce

Transcription

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