welcome guidebook

Transcription

welcome guidebook

W E LC O M E G U I D E B O O K
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Welcome to
Armstrong Bank!
We are excited to be joining the River
Valley and Northwest Arkansas
Communities, and we hope you share
in our excitement. At Armstrong
Bank, we strive to make our name
synonymous with strength, reliability
and exceptional service.
Since 1909, Armstrong Bank has been committed to building stronger communities. Our
bankers are local residents, and we encourage them to be involved in all aspects of service to
the community. We will partner with local organizations, schools and businesses to enrich the
Natural State.
On the weekend of May 23, 2015, we will be transferring Benefit Bank accounts to
Armstrong Bank. Please use this guidebook as a reference for the upcoming changes to your
accounts. Take a moment to become acquainted with the Key Dates to Remember located
on the following page. Our goal is to make the transition as seamless as possible so you can
immediately begin to enjoy the products and services we have to offer.
We look forward to building relationships and establishing strong roots in Arkansas as we
serve you! If you have any questions, please call us toll-free at 1-888-680-2655 or stop by
any of our 21 full-service locations in Arkansas and Oklahoma.
Sincerely,
Billy Taylor
President/CEO
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Key Dates to Remember at a Glance:
Receive Armstrong Bank MasterCard™ Check Card in mail
Week of May 11
Receive PIN in mail (1-3 days after receiving card)
Week of May 11
Last day to schedule Bill Pay payments through Benefit Bank system
May 15
Receive new Armstrong Bank checks
On or before May 18
Benefit Bank Online Banking discontinued
6:00 p.m. on May 22
Date of last Benefit Bank Statement
May 22
Welcome! Your account will be transferred to
Armstrong
Bank
May 23-25
Begin using your new Armstrong Bank checks
May 23
Begin using your new Armstrong Bank Check Cards
May 26
Destroy old Benefit Bank checks, ATM or Debit Card
May 26
Begin using Armstrong Bank Online Services
May 26
Begin using Telephone Banking
May 26
1. Debit & ATM Cards
2. Deposit Accounts
3. Electronic Banking
4. Loan Accounts
5. Privacy
Questions?
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When to expect your new
Armstrong Bank MasterCard
Check Card:
You will receive your new Armstrong Bank
MasterCard Check Card the week of May 11, 2015.
For security purposes, a PIN number will be mailed
to you 1-3 days after your new card is mailed. Please
note, you will not be able to use your Armstrong Bank
MasterCard Check Card until May 26, 2015.
Expiration of your Benefit Bank
Debit or ATM card:
Your current Benefit Bank Debit Card or ATM card
will expire on May 26, 2015; we recommend you destroy
your Benefit Bank card at that time. When to use your new Armstrong
Bank MasterCard Check Card:
Please continue to use your Benefit Bank Debit Card
or ATM card through May 25, 2015. Upon receipt of
your new Armstrong Bank MasterCard Check Card,
please keep this card and PIN number in a secure place
and do not attempt to use it until May 26, 2015. At
that time, you can begin to use your new Armstrong
Bank MasterCard Check Card, and it will replace
your old card. Please note, your card number and
expiration date will change, so you will need to update
any automatic payments set up through your current
Benefit Bank debit card.
Limits on your new Armstrong Bank
MasterCard Check Card:
The limits on your Armstrong Bank MasterCard
Check Card will be $1,000.00 for point of sale (POS)
and $500.00 for ATM cash withdrawals in a 24-hour
period if funds are available. Debit & ATM Cards
ATM Locations:
You may use your new Armstrong Bank MasterCard
Check Card at any Armstrong Bank ATM location
without incurring a surcharge. These ATM locations
can be found on the Armstrong Bank website at www.
armstrongbank.com.
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1 . D E B I T & AT M C A R D S
PULSE Network:
You may use your Armstrong
Bank MasterCard Check Card
at merchants displaying the
PULSE logo to get cash back
when you make a purchase.
Simply use the debit option and
enter your PIN number, then
enter the amount of cash you
would like to receive back.
Store policies regarding cash
back may vary so be sure to ask
the merchant what they allow. This is a convenient way
to obtain cash without visiting an ATM.
Armstrong Rewards:
With Armstrong Rewards you earn points to use
toward gift cards and travel on every day spending. To
enroll your new Armstrong Bank MasterCard Check
Card, visit www.armstrongbank.com.
Currency Conversion Assessment:
If you make a transaction with your Armstrong
Bank Check Card in currency other than U.S.
dollars, MasterCard International Incorporated
(“MasterCard”) will convert the charge into U.S.
dollars using its currency conversion procedure.
Currently the currency conversion rate used by
MasterCard for such transactions is generally either
a government-mandated rate or a wholesale rate
determined by MasterCard for the processing cycle
in which the transaction is processed. The currency
conversion rate used by MasterCard for the processing
date may differ from the rate in effect on the date of
the transaction or the date the transaction is posted to
your account. The cardholder will incur a fee for the
currency conversion (See Schedule of Fees).
Cross Border Fee:
Transactions made with your Armstrong Bank Check
Card in a foreign currency other than U.S. dollars
will incur a Cross Border Fee for the transaction (See
Schedule of Fees).
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Deposit Accounts:
Your account number(s) will not change on your deposit account(s) with this
transfer, including checking, savings, Certificates of Deposit, and Money
Market accounts. We will honor all outstanding Benefit Bank checks, automatic
debits, Point of Sale (POS) transactions, automatic payments and preauthorized
transactions after the transfer date through December 31, 2015, provided you
have sufficient available balance in your Armstrong Bank account at the time of
presentment of the check or automatic debit transaction. You may want to verify
that your automatic payments were paid. Contact us toll free at 1-888-680-2655
or visit your local branch if there is a problem.
We will continue to accept credits and debits by ACH to your new Armstrong Bank
account. A notice will be sent electronically by Armstrong Bank to ACH originators
that initiate electronic debits or credits to or from your account. This notice will
advise the ACH originator to update their records with Armstrong Bank’s routing
number.
To ensure there is no disruption to your draft or direct deposit service, you may
want to contact these companies to verify your new information is correct. Some
originators may discontinue the automated transaction if they do not hear from
you regarding the routing number change. The new “routing and transit
number” on your Armstrong Bank account(s) will be 103104528. This
change will be effective on Tuesday, May 26, 2015.
Deposit Accounts
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Check Orders:
Bank Statements:
You will receive complimentary Armstrong Bank
replacement checks and deposit slips in the mail,
which will reflect your existing account number and
Armstrong Bank’s routing and transit number. If you
order checks through another source, you must provide
your check vendor with the Armstrong Bank name,
your account number and Armstrong Bank’s routing
and transit number, which is 103104528.
You will receive a final Benefit Bank statement with
account activity through Friday, May 22, 2015. All
accrued and unpaid interest will be credited to your
account as of your final Benefit Bank statement date.
Your first Armstrong Bank statement will be processed
on your normal statement date.
When you receive your complimentary new checks and
deposit slips, please verify your personal information is
correct, and keep these in a secure place. Continue to
use your Benefit Bank checks until May 23, 2015.
Effective: May 23, 2015)
If you do not receive your checks by May 18, 2015,
please contact us toll free at 1-888-680-2655 or visit
your local branch.
2 . D EP OS IT ACCO U NTS
Account Summary Guide (Transfer
On May 23, 2015, your current account(s) will be
transferred to Armstrong Bank. As previously outlined
in this guide, your account number(s) will not change;
however your account type may be updated. Please
refer to the Account Summary Tables, which show
your new Armstrong Bank account type(s) and any
changes in the terms and features.
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For Benefit Bank customers becoming Armstrong Bank:
Personal Deposit Accounts
It’s important to understand the details of your account.
Here’s a summary to explain the fees and key terms.
If your Benefit Bank
account was:
Your new Armstrong Bank account will be:
Amendments To Your Truth In Savings Disclosure
Effective: May 23, 2015
account was:
Amendments To Your Truth In Savings Disclosure
Benefit Bank
Balance
Investment Checking
• $1,000.00 Minimum Opening Balance
• No monthly maintenance fee if daily balance is
$1,000.00 or more
• $7.95 maintenance fee if daily balance falls below
$1,000.00
• Earns interest on balance of $1,000.00 and above
• Free Online Banking
• Free Online Bill Pay
• Free Mobile Banking
• Free Check Card
• Free 24-Hour Telephone Account Access
• Free Image or Electronic Statements
• *Free Cashier's Checks
• We reserve the right to at any time require not less than
seven (7) days notice in writing before any withdrawal
from an interest bearing account.
• Minimum Balance Requirements: You must deposit at
least $1,000.00 to open this account. A maintenance
fee of $7.95 will be imposed every month if the balance
in the account falls below $1,000.00 any day of the
statement cycle. You must maintain a minimum
balance of $1,000.00 in the account each day to obtain
the disclosed annual percentage yield.
• Balance Computation Method: Daily Balance Method.
We use the daily balance method to calculate the
interest on your account. This method applies a daily
periodic rate to the principal in the account each day.
• Additional Terms: Refer to Armstrong Bank’s Schedule
of Fees for a list of fees for services rendered.
Benefit Bank
Money Market
Money Managers Account
• $2,500.00 minimum opening balance
• No monthly maintenance fee if balance is
$2,500.00 or more
• $7.95 maintenance fee if daily balance falls below
$2,500.00
• Earns interest on balance of $2,500.00 and above
• Free Check Card
• Free 24-Hour Telephone Access
Benefit Bank
Priority
Priority Checking**
• For Customers age 50 plus
• $100.00 Minimum Opening Balance
• $8.00 service charge if balance falls below $500.00
• Interest Earning Account
• Free Armstrong Bank Checks
• Free Cashier’s Checks
• Free Check Card
•W
e reserve the right to at any time require not less than
•M
inimum Balance Requirements: A maintenance fee of
$7.95 will be imposed every month if the balance in the
account falls below $2,500.00 any day of the statement
cycle.
•Y
ou must maintain a minimum balance of $2,500.00
in the account each day to obtain the disclosed annual
percentage yield.
• Transaction Limitations: During any statement cycle,
you may not make more than six (6) withdrawals or
transfers to another account of yours or to a third party
by means of a preauthorized or automatic transfer or
telephone order or instruction, computer transfer, or by
check, draft, debit card or similar order to a third party.
• The following tiers apply to this account:
Tier: $0.00 - $2,499.99, $2,500.00 - $9,999.99,
$10,000.00 - $49,999.99, $50,000.00 - $99,999.99,
$100,000.00 & Above
Benefit Bank
Statement Savings
or Benefit Bank
Tiered Savings
Free Checking**
• No Service Charge
• Free Armstrong Bank Checks
• Free Cashier’s Checks
• Free Check Card
Savings Account
• Six (6) FREE withdrawals per quarter ($1.25
charge per withdrawal after six (6))
• Interest paid quarterly on balances of $50.00
or more
• No maintenance fee on balances over $50.00
• $3.00 maintenance fee if the balance falls below
$50.00 any day of the 3-month statement cycle
Kid’s Star Saver**
• Balance Computation Method: We use the daily
balance method to calculate the interest on your
account. This method applies a daily periodic rate to
the principal in the account each day
• Minimum Balance Requirements: You must deposit
at least $50.00 to open this account. A maintenance
fee of $3.00 will be imposed every 3-month cycle if
the balance in the account falls below $50.00 any day
of the 3-month cycle. You must maintain a minimum
balance of $50.00 in the account each day to obtain
the disclosed annual percentage yield.
• Additional Terms: A maintenance fee of $1.25 will be
imposed for each withdrawal in excess of six (6) during
a quarterly statement cycle (Service Chargeable
Items: In-Person Withdrawals, ATM Withdrawals, and
Transfer Requests made to a Banker by Telephone).
Refer to Armstrong Bank’s Schedule of Fees for a list
of fees for services rendered.
All Certificates of Deposit and IRA
Accounts will be transferred to
Armstrong Bank with the same terms.
• Balance Computation Method: Daily Balance
Method. We use the daily balance method to
calculate the interest on your account. This method
applies a daily periodic rate to the principal in the
account each day.
Benefit Bank Free
Benefit Bank
Kid's Star
Saver
• $5.00 minimum deposit to open account
•E
arn a $5.00 birthday deposit from the Bank
each year
•E
arn Star Stamps with deposits of $5.00
or more
•C
ompleted Star Saver cards are eligible for
a monthly drawing to win a $15.00 deposit
credited to the account+
• Interest paid quarterly
• No service charge
+ Limit five (5) Star Savers cards per day
Certificates
of Deposit
and IRA’s
• Additional Terms: Refer to Armstrong Bank’s
Schedule of Fees for a list of fees for services
rendered.
• Additional Terms: Refer to Armstrong Bank’s
Schedule of Fees for a list of fees for services
rendered.
*Free Cashier’s Checks are available only on consumer accounts opened prior to May 23, 2015 as a Benefit Bank Balance account.
**Account type will no longer be offered after May 22, 2015.
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For Benefit Bank customers becoming Armstrong Bank:
Business Deposit Accounts
account was:
Benefit Bank DBA
Checking
DBA Checking*
• $8.00 Monthly Maintenance Fee if Balance
Falls Below $500.00
• Earns Interest
Products and Services Fee Schedule
Account Balance Assistance (per hour) $20.00
• Free Check Card
Account Closing Fee (less than 90 days) $35.00
Benefit Bank Non
Profit
Benefit Bank
Money Market
Commercial
Free Business*
Non-Profit Checking*
Falls Below $500.00
• Earns Interest
Replacement Card $3.00
Business Money Managers
• $2,500.00 Minimum Opening Balance
Falls Below $2,500.00
• Earns Interest
• Transaction Limits Apply
Locking
• Free Check Card
*Account type will no longer be offered after May 22, 2015.
$10.00
$5.00
$10.00
Photo Copies $0.50
Research Copy $2.00
Research Fee (per hour) $20.00
Check Card Cross Border Fee 0.90% of total
Safe Deposit Box Drill Fee $150.00
Check Card Currency Conversion 0.20% of total
Safe Deposit Box Key Deposit Coin Rolling for Non-Customers Safe Deposit Box 3x10**
10% of total
$0.50
Annual Rental Fee
Check Collections $15.00
Safe Deposit Box 5x10**
Foreign Check Collections
$30.00
Credit Confirmation/Verification
$19.00 Safe Deposit Box 10x10**
Annual Rental Fee
$10.00
$35.00
$50.00
All Deposited Items Returned
$5.00
Annual Rental Fee
$80.00
Dormant Monthly Fee
$5.00
Special Statement Cut-off $4.00
Fax – First Page $5.00
Statement Printout $3.00
$1.00
Stop Payment
Negative collected balances are charged at a rate of 4% above the current prime rate posted in the Wall
Street Journal.
$5.00
Overdraft Protection Transfer
3% of check
$20.00
Counter Checks (per item)
• Free Check Card
Minimum Charge
FREE Notary Services
Zipper
• Free Check Card
ATM/Check Card with checking account
Bank Bags
Benefit Bank Free
Business
Non-Customer Check Cashing
Additional Pages
Garnishments/Levies$100.00
Regular $27.00
NSF Paid (Overdraft) Item
Cashier’s Check/Money Order
$30.00
(each Debit or Check Paid)* $19.00 Warranty Deed Typing NSF Returned Item
(each Debit or Check Returned)*
Money Orders
$25.00
Wire Transfer
$19.00 $4.00
Incoming $10.00
Outgoing $15.00
Foreign $35.00
*Fees apply to overdrafts “Created by check, in-person withdrawals, ATM withdrawals or other electronic means”.
**Your safe deposit box will remain the same. We will send you a notice at the time of annual renewal.
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Longer Delays May Apply
In some cases, we will not make all of the funds that
you deposit by check available to you on the first
business day after the day of your deposit. Depending
on the type of check that you deposit, funds may not
be available until the second (2nd) business day after
the day of your deposit. However, the first $200.00 of
your deposits will be available on the first business day.
If we are not going to make all of the funds from your
deposits available on the first business day, we will notify
you at the time you make your deposit. We will also tell
you when the funds will be available. If your deposit is
not made directly to one of our employees, or if we decide
to take this action after you have left the premises, we
will mail you the notice by the day after we receive your
deposit.
If you will need the funds from a deposit right away,
you should ask us when the funds will be available.
In addition, funds you deposit by check may be delayed
for a longer period under the following circumstances:
• We believe a check you deposit will not be paid.
• You deposit checks totaling more than $5,000.00
on any one day.
• You redeposit a check that has been returned unpaid.
• You have overdrawn your account repeatedly in the
last six (6) months.
• There is an emergency, such as failure of
communications or computer equipment.
Funds Availability Disclosure
Our policy is to make funds from your deposits available to you on
the first business day after the day we receive your deposit. Electronic
direct deposits will be available on the day we receive the deposit.
Once they are available, you can withdraw the funds in cash and we
will use the funds to pay checks that you have written.
We will notify you if we delay your ability to withdraw
funds for any of these reasons, and we will tell you
when the funds will be available. They will generally be
available no later than the seventh (7th) business day
after the day of your deposit.
For determining the availability of your deposits, every day is a
business day, except Saturdays, Sundays, and federal holidays. If
you make a deposit before 6:00 p.m. Monday through Friday on a
business day that we are open, we will consider that day to be the day
of your deposit. However, if you make a deposit after this cut-off time
or on a day we are not open, we will consider that the deposit was
made on the next business day.
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Special Rules For New Accounts
If you are a new customer, the following special rules
will apply during the first 30 days your account is open.
Funds from electronic deposits to your account will be
available on the day we receive the deposit. Funds from
deposits of cash, wire transfers, and the first $5,000.00
of a day’s total deposits of cashier’s, certified, teller’s,
traveler’s, and federal, state, and local government
checks will be available on the first business day after
the day of your deposit if the deposit meets certain
conditions. For example, the checks must be payable
to you (and you may have to use a special deposit slip).
The excess over $5,000.00 will be available on the ninth
(9th) business day after the day of deposit. If your deposit
of these checks (other than a U.S. Treasury check) is
not made in person to one of our employees, the first
$5,000.00 will not be available until the second business
day after the day of your deposit.
Funds from all other check deposits will be available on the
eleventh (11th) business day after the day of your deposit.
Draft/Direct Deposit or Automated
Clearing House (ACH) Entries:
We will continue to accept credits and debits by ACH
to your new Armstrong Bank account. A notice will
be sent electronically by Armstrong Bank to ACH
originators that initiate electronic debits or credits to
or from your account. This notice will advise the ACH
originator to update their records with Armstrong
Bank’s routing number.
To ensure there is no disruption to your draft or
direct deposit service you may want to contact these
companies to verify your new information is correct.
Some originators may discontinue the automated
transaction if they do not hear from you regarding the
routing number change. The new “routing and transit
number” on your Armstrong Bank account(s) will be
103104528. This change will be effective on Tuesday,
May 26, 2015.
If you encounter a problem with your draft or direct
deposit service, please call Armstrong Bank toll free at
1-888-680-2655 or visit your local branch.
Error Resolution:
In case of errors or questions about your electronic
transfers, call or write us at:
ARMSTRONG BANK
P.O. BOX 188
MUSKOGEE, OK 74402-0188
1-888-680-2655
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Mobile Banking:
Armstrong Bank offers Mobile Banking, which allows
you to view account history, balances and make transfers
between your Armstrong Bank accounts from your smart
phone or tablet 24 hours a day, seven days a week. You
can download the Armstrong Bank smart phone or tablet
app and begin accessing Mobile Banking on Tuesday, May
26, 2015. The app is available for both Android and iOS
operating systems and can be found in the App or Play store.
Electronic Statements:
We offer Electronic Statements and Notices
(“e-Docs”) through Armstrong Bank’s Online Banking
service. If you received e-Docs with your Benefit Bank
account, you will continue to receive your statements
electronically from Armstrong Bank. If you have not
previously received e-Docs, but would like to enroll,
click on the option “e-Docs” in Online Banking and
follow the instructions for enrollment. You can enroll
for Armstrong Bank’s e-Docs beginning Tuesday,
May 26, 2015.
Electronic Banking
Please read the following information thoroughly. Your Online Banking User ID will not change, but your
password will change. You will maintain the same User ID that you were using to access your existing
Online Banking Account. However, your password will be changed to the last 4 digits of your Social
Security Number or Tax ID number. When you go to our website, www.armstrongbank.com, to sign on for
the first time you will be prompted to create a new password and answer security questions as part of the
authentication process. You can begin to use Armstrong Bank’s Online Banking on Tuesday, May 26, 2015.
If you encounter a problem please call us toll free at 1-888-680-2655 or visit your local branch.
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Remote Deposit Capture:
Remote Deposit Capture allows business customers the
ability to process checks and deposits from their business
locations. Businesses can also accept check payments by
phone to initiate ACH transactions. We will contact
existing customers personally, prior to May 1, 2015, to
set up a time to provide information and training on our
Remote Deposit Capture system.
Cash Management:
Cash Management allows business customers to initiate
ACH transactions (debit or credit) and initiate wire
transfers. Administrative permissions are available for
you to independently manage and control access. We
will contact existing customers personally, prior to
May 1, 2015, to set up a time to provide information
and training on our Cash Management system.
Telephone Banking:
You will automatically be set up on Armstrong Bank’s
Telephone Banking system. Initially, to access account
information, you will be required to enter your account
number and full Social Security Number. You will then
be prompted to establish a new PIN. You may access our
Telephone Banking system by calling 1-888-201-1000
or 1-918-680-6919. Initial access will be granted for all
customers on Tuesday, May 26, 2015. If you encounter
a problem with the Telephone Banking system, please call
Armstrong Bank toll free at 1-888-680-2655
or visit your local branch.
Online Bill Pay:
You can access Online Bill Pay through Armstrong
Bank’s Online Banking by simply clicking on the
option for Bill Pay. Please note that your current
history, recurring payments, payment categories, and
payees with Benefit Bank’s Bill Pay service will not
transfer to Armstrong Bank’s Bill Pay system. We
recommend you print or save any history, payees,
and other information you may need. You will
automatically be enrolled for Bill Pay on Armstrong
Bank’s Bill Pay system beginning Tuesday, May 26,
2015. You will need to set up any payees and recurring
payments you had.
BUSINESS SOLUTIONS
Transaction History will begin on the new system on May
26, 2015. If you need assistance with set up, contact us toll
free at 1-888-680-2655 or visit your local branch. In
preparing for the transfer, the last day to schedule a Bill
Pay payment in the Benefit Bank online banking system
is May 15, 2015. For payments scheduled for delivery
during the conversion weekend, please check with
your merchants to ensure payments are received. We
apologize for any inconvenience.
eBill:
Armstrong Bank does not currently offer the eBill
service. If you are using this product, you will need
to make other arrangements to receive your bills
by contacting each payee. We apologize for any
inconvenience. Armstrong Bank is always
re-evaluating our current Electronic Banking
products and enhancing them to make them the
best they can be.
All Benefit Bank customers who enroll and send a
payment through Armstrong Bank’s Bill Pay service
will be given a one-time $10.00 credit to their account.
In order to take advantage of this offer, the payment
must be sent by July 31, 2015.
3 . ELECTRONIC BANKING
Merchant Services:
Merchant Services provides business customers with an
efficient and cost-effective solution to accept debit and
credit card payments. Our Interchange Plus pricing model
offers competitive pricing with a variety of solutions
available. If your Merchant Services contract was through
Benefit Bank, an Armstrong Bank representative will
contact you about available credit card processing options
through Armstrong Bank. Please contact us at
1-888-680-2655 or visit your local branch if you have
any questions.
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Your loan account will be transferring to Armstrong Bank. There will be no changes to the
terms and conditions on your loan. Your account numbers will not change.
You may continue to make payments at your local branch or online at www.armstrongbank.com.
If you use a coupon book to make your payments, you will receive a new coupon book from
Armstrong Bank. If you have an automatic transfer from your account, these transfers will
continue to be made as scheduled.
We offer a wide variety of products to fit your credit needs. Visit your local branch to find out
how we can help you.
Automated Clearing House (ACH) Payments:
We will continue to accept loan payments by ACH to your new Armstrong Bank loan. A notice will be sent
electronically by Armstrong Bank to ACH originators that initiate electronic payments to your loan. This notice
will advise the ACH originators to update their records with Armstrong Bank’s routing number.
To ensure there is no disruption to your payment you may want to contact these companies to verify your new
information is correct. Some originators may discontinue the automated transaction if they do not hear from
you regarding the routing number change. The new “routing and transit number” on your Armstrong Bank
account(s) will be 103104528. This change will be effective on Tuesday, May 26, 2015.
Loan Accounts
If you encounter a problem with your draft or direct deposit service, please call Armstrong Bank toll free at
1-888-680-2655 or visit your local branch.
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4 . LOA N ACCO U N TS
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Privacy Policy
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5 . P R I VA C Y
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Should You Have Questions…
We hope the information in this booklet is helpful as we welcome
you to Armstrong Bank. We look forward to meeting all of your
financial service needs.
For a complete list of our branch and ATM locations, along with
hours of operation, please go to our website at
www.armstrongbank.com.
Scan this QR code to
visit our website.
If you have any questions, you may visit
us at your local branch or call us toll free
at 1-888-680-2655.
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Hwy.
412
Oklahoma
I-49
Hwy.
75
Arkansas
I-40
Hwy.
69
Locations
Bartlesville
1701 S.E. Washington Blvd.
Bartlesville, OK 74003
Checotah
1111 W. Gentry
Checotah, OK 74426
Dewey
525 N. Osage
Dewey, OK 74029
Fort Gibson
805 S. Lee
Fort Gibson, OK 74434
Gore
409 N. Main
Gore, OK 74435
Keys
25955 Highway 82
Park Hill, OK 74451
Muldrow
810 E. Shawntel Smith Blvd.
Muldrow, OK 74948
Muskogee
1215 W. Okmulgee
Muskogee, OK 74401
2520 Chandler Rd.
Muskogee, OK 74403
Pawnee
501 Harrison
Pawnee, OK 74058
Sallisaw
800 W. Ruth St.
Sallisaw, OK 74955
Stilwell
501 S. Second St.
Stilwell, OK 74960
Tahlequah
1364 E. Downing
Tahlequah, OK 74464
1401 S. Muskogee Ave.
Tahlequah, OK 74464
Vian
Thornton & Schley
Vian, OK 74962
Wagoner
1500 W. Highway 51
Wagoner, OK 74467
Warner
810 N. Campbell
Warner, OK 74469
Fort Smith
2930 Old Greenwood Rd.
Fort Smith, AR 72903
1301 S. Waldron Rd.
8300 Phoenix Ave.
9201 Highway 71 S.
Springdale
6800 Isaac’s Orchard Rd. Ste. B
Springdale, AR 72762

welcome guidebook

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