Guide - First Midwest Bank

WELCOME GUIDE
FirstMidwest.com
2/16
WELCOME TO FIRST MIDWEST BANK.
BANK WITH MOMENTUM.
We are growing. We have energy. We bring together the ideas and resources that make things happen.
First Midwest is a metropolitan Chicago-based bank with deep financial resources. We combine size and
stability with quick response. We know the Midwest like no one else. And we are committed to helping
communities, businesses and families succeed like never before. With new technology. Innovative
products. And the close personal service that has been the hallmark of our organization for over 75 years.
Founded as Union National Bank and Trust of Joliet in the aftermath of the Great Depression, we have
always been committed to treating the person in the overalls and the person in the business suit the
same way. The idea of focusing on an individual’s needs regardless of their net worth has always been at
the heart of our success. As well as just being the right thing to do.
Over the next 40 years, this modest Joliet bank grew to a chain of 20 banks affiliated through their
common ownership and strong values. In the early 1980’s, a bold vision to unite this chain of 20 banks
emerged and a new organization was created . . . First Midwest Bank.
Welcoming NB&T to the First Midwest family, makes us over 110 offices strong – meeting the needs of
over 20,000 businesses and 500,000 consumers through commercial banking, wealth management and
consumer banking services.
“HIGHEST CUSTOMER SATISFACTION
WITH RETAIL BANKING IN THE
MIDWEST REGION, TWO YEARS IN A ROW. * ”
With an unwavering commitment to clients and a proven track record, our Wealth Management group is
the third largest Trust Management operation headquartered in Illinois, offering Investment Management,
Fiduciary, and Financial Planning services. True financial advocates that are focused on long-term
success. Helping build wealth for generations to come. That is what we are all about.
The Commercial Banking group brings together the knowledge and experience of the entire organization
to comprehensively address the needs of businesses. Customized, real-world business solutions
answering the Treasury Management, Financing, Accounting, Risk Management, Fiduciary/Benefits, and
Financial Planning aspects that each business faces.
* First Midwest Bank received the highest numerical score among retail banks in the Midwest region in the proprietary J.D. Power 2014 and 2015 Retail Banking
Satisfaction StudiesSM. 2015 study based on 82,030 total responses measuring 20 providers in the Midwest region (IA, IL, KS, MO, MN, WI) and measures
opinions of consumers with their primary banking provider. Proprietary study results are based on experiences and perceptions of consumers surveyed
April 2014 - February 2015. Your experiences may vary. Visit jdpower.com.
IMPORTANT NOTICE: The Welcome Guide is intended to convey general information about the transition. Your account may be different. The CIT Notice and your new
account agreements detail the specific terms and conditions applicable to your account on and after the Effective Date. In the event of a difference between the
information in the Welcome Guide and the terms and conditions of the account agreement applicable to your account, the terms and conditions of your account
agreement apply. The material in this Welcome Guide is contingent upon the merger of NB&T with and into First Midwest Bank.
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Practical, common sense advice to trust and believe in. That’s what our Consumer Banking group
offers, along with solutions for any busy lifestyle. From deposit accounts and loans to mobile and online
banking. Over 55,000 ATMs worldwide with branches in Illinois, Indiana and Iowa. First Midwest can
help you focus on the milestone moments in your life, while keeping your financial future on track.
We are a Bank with Momentum. Want some?
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“At NB&T, we are pleased to continue serving your banking needs through
a partnership with First Midwest Bank. Rest assured, you will continue
to see the familiar, friendly faces that you have come to know over
the years in the same branch locations. First Midwest Bank, an award
winning and community-focused institution, provides access to an even
broader array of consumer, business, trust and wealth management and
private banking products and services. And like NB&T, First Midwest
Bank is a locally managed and fiscally strong community bank with
similar philosophies including an unwavering commitment to relationship
banking and a 75 year tradition of community support. Your confidence
and trust are important to us. Thank you for your patronage.”
Michael A. Cullen
President & CEO
NB&T
TABLE OF CONTENTS.
4
Our Commitment
7
Overdrafts & Returned Items
22
Get Started
9
Convenient Locations
10
Direct Deposits & Electronic Funds
Transfers for Personal & Business Accounts 23
Personal Account Information
13
Automated Phone & Online Banking
15
Mobile Banking
16
Business Account Information
18
Business Express Online Banking
19
General Account Information
21
Personal & Business Debit & ATM Cards
21
Personal & Business Account Statements
23
Certificates of Deposit
23
Individual Retirement Accounts
23
Safe Deposit Boxes
23
Personal Loans & Lines of Credit
24
Tax Reporting
24
Wire Transfers
24
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OUR COMMITMENT.
We do what’s right. Not just when it’s convenient, but every time.
We do more than sell bank products and services. We build relationships and know our clients by
name. We understand your hopes and dreams. We celebrate your successes and ease you through
life’s disappointments.
At First Midwest, we challenge ourselves every day. Working hard to exceed your expectations in
every aspect of our business. To provide the best client experience. World class financial solutions.
And, socially responsible community support.
It all starts with personal commitment. Commitment that gives us and our clients the power to make
their lives better. Their companies stronger. Their business objectives more attainable.
At First Midwest Bank, we are personally
committed to your financial success.
We are a Bank with Momentum.
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At the heart of our commitment is a clear vision to be our clients’ most trusted financial partner.
An unwavering mission to help our clients achieve financial success. And, the fundamentally strong
values that guide us to act with integrity, personal responsibility and a passion for success. More
than just words framed on a wall. They are truly the reason First Midwest Bank exists and continues
to earn the relationships and trust of our clients year after year.
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GET STARTED.
Effective Date
Refers to the date of the anticipated transition. The
date all NB&T branches begin doing business as
First Midwest Bank.
CIT Notice
Refers to the separate Change in Terms Notification for
either Retail or Business clients.
Important Dates Schedule
The calendar icon next to certain topics refers to the
separate enclosed Important Dates Schedule. Please
use this schedule to reference important specific dates
for Personal and Business Accounts and Services.
Additional Communications
The envelope icon next to certain topics indicates that
additional information related to that topic will be
mailed to affected clients in advance of the expected
Effective Date.
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These NB&T branch locations will be transitioned to First Midwest Bank:
•
•
•
•
•
130 W. Lincoln Highway, DeKalb
1029 Pleasant Street, DeKalb
2290 Sycamore Road, DeKalb
930 N. Main Street, Elburn
601 Pearson Drive, Genoa
•
•
•
•
•
200 N. Main Street, Leland
321 E. Church Street, Sandwich
2276 E. US Highway 52, Serena
230 W. State Street, Sycamore
1425 DeKalb Avenue, Sycamore
Branch and Drive-up Hours
There will be no change in the hours of operation for the branch lobbies and drive-ups.
Important Phone Numbers and Resources
First Midwest Bank Customer Care
First Midwest Bank Online Banking & Mobile Support
1.800.322.3623
1.877.203.6724
Instant Answer Center
Questions regarding First Midwest Bank Accounts? Get answers. The Instant Answer Center at
FirstMidwest.com/GetAnswers can provide answers to hundreds of banking questions and it’s
available 24/7.
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CONVENIENT LOCATIONS.
WESTERN ILLINOIS / EASTERN IOWA
McHenry
Johnsburg
59
95
83
Grayslake
41
39
103
96
104
41
North Chicago
Lake Michigan
Mundelein 69
Knoxville
80
176
100
70
54
74
6
Lake Forest
Bettendorf
101 99
Davenport
60
27
88
Mississippi River
59
47
E. Main St.
164
94
60
31
Crystal Lake
74
Waukegan
73
12
N
Galesburg
94
Gurnee
60
23
N
Zion
41
45
48
Moline
105
East Moline
106
28
Deerfield
Buffalo Grove
12
25
72
38
4
90
3
32
53
Schaumburg
23
31
29
90
290
94
25
64
64
30
34
38
DeKalb
294
355
18
83
River Grove
14
64
Elburn
61
1
Aurora
12
55
Westmont
7 72
23
355
Naperville
47
90
74
9
45
Bolingbrook
59
77
Leland
84
Sandwich
82
Lockport
22
71
81
88
52
52
Orland Park
55
Plainfield
41
30
50
57
Homer Glen
Crest Hill
51
53 52 49
47
71
Oak Lawn
57
Alsip
1
94
8
Palos Heights 294 2 Blue Island
78 Crestwood
76
Midlothian
46
92
75
Mokena
65
23
63
93
80
21
58
Frankfort
Matteson
6
Morris
71
Chicago Hts.
20
43
67
170
87
- First Midwest Bank Locations
- NB&T Locations
44
45
46
Munster
41
86
Dyer
90
Gary
94
80
37
Highland
36
40 Griffith
Schererville
65
Merrillville
62
30
89
St. John
Winfield
394
14
231
26
Crown Point
57
25
80
Seneca
Monee
90
33
Park Forest
79 Crete
66
Hammond
43
Homewood
47
24
68
42
394
Country Club Hills
35
80
6
55
Lansing
6
57
Tinley Pk.
6
64
6
N
11
13
97
6
Leland Drive
17
Main Street
43
34
41
10
108
16
88
41
E. Fairchild Street
290
31
Serena
109
38
47
56
15
Melrose Park
38
23
41
90
St.
an
wm
Bo
N.
E. Liberty Lane
Danville
Chicago
19
390
Sycamore
N
Gilbert St.
90
Champaign
107
Springfield Avenue
Illinois
64
Des Plaines
85
47
91
43
74
Indiana
Genoa
12
Vermilion
31
74
CENTRAL ILLINOIS
5
Arlington Heights
102
80
10
68
90
80
Ave. of the Cities
150
Prospect Ave.
23
Market St.
31
41 St.
47
98
231
Peotone
65
Suburban Chicago/Indiana
1
Alsip 11346 S. Cicero Ave.
2 Alsip 11900 S. Pulaski Rd.
3
Arlington Heights 41 S. Vail Ave.
4
Arlington Heights 1104 S. Arlington Heights Rd.
5
Arlington Heights 1434 N. Rand Rd.
6
Aurora 2 S. Broadway
7
Aurora 491 S. Rte. 592
8
Blue Island 12015 S. Western Ave.
9
Bolingbrook 450 Bolingbrook Dr.
10 Buffalo Grove 555 W. Dundee Rd.
11 Chicago 1 E. Erie Ste 101/550
12 Chicago 200 N. LaSalle St.3
13 Chicago 1445 W. Chicago Ave.
14 Chicago 2340 N. Cicero Ave.
15 Chicago 2525 N. Kedzie Ave.
16 Chicago 3220 W. 26th St.
17 Chicago 3956 W. North Ave.
18 Chicago 7181 W. Irving Park Rd.
19 Chicago 8501 W. Higgins Rd.
20 Chicago Heights 1030 Dixie Hwy.
21 Country Club Hills 4101 W. 183rd St.
22 Crest Hill 16051 Weber Rd.
23 Crestwood 13500 S. Cicero Ave.
24 Crete 1290 Steger Rd.
25 Crown Point 1100 N. Main St.
26 Crown Point/Winfield 10858 Pike St.
27 Crystal Lake 170 S. Illinois Rte. 31
28 Deerfield 725 Waukegan Rd.
29 DeKalb 130 W. Lincoln Hwy.
30 DeKalb 1029 Pleasant St.
31 DeKalb 2290 Sycamore Rd.
32 Des Plaines 749 Lee St.
33 Dyer 820 Joliet St. (Rte. 30)
34 Elburn 930 N. Main St.
35 Frankfort 7645 W. St. Francis Rd.
36 Gary 1975 W. Ridge Rd.
37 Gary 3500 Grant St.
38 Genoa 601 Pearson Dr.
39 Grayslake 530 E. Washington St.
40 Griffith 915 W. Glen Park Ave.
41 Gurnee 300 Hunt Club Rd.
42 Hammond 6603 Columbia Ave.
43 Hammond 6611 Kennedy Ave.
44 Highland 2842 Highway Ave.
45 Highland 10322 Indianapolis Blvd.
46 Homer Glen 15801 S. Bell Rd.
47 Homewood 18600 Dixie Hwy.
48 Johnsburg 3805 N. Johnsburg Rd.
49 Joliet 50 W. Jefferson St.
50 Joliet 230 N. Chicago St.
51 Joliet 1301 N. Larkin Ave.
52 Joliet 1415 W. Jefferson St.
53 Joliet 2801 W. Jefferson St.
54 Lake Forest 241 E. Deerpath Rd.
55 Lansing 18120 S. Torrence Ave.
56 Leland 200 N. Main St.
57 Lockport 800 S. State St.
58 Matteson 4600 W. Lincoln Hwy.
59 McHenry 1308 N. Richmond Rd.
60 McHenry 4502 Crystal Lake Rd.
61 Melrose Park 1700 W. Lake St.
62 Merrillville 7900 Broadway
63 Midlothian 3737 W. 147th St.
64 Mokena 11210 W. Lincoln Hwy.
65 Mokena 19648 S. LaGrange Rd.
66 Monee 5601 Monee Manhattan Rd.
67 Morris 220 W. Main St.
68 Morris 444 Bedford Rd.
69 Mundelein 411 N. Seymour Rd.
70 Mundelein 1500 Allanson Rd.
71 Munster 750 Ridge Rd.
72 Naperville 120 North Washington St.4
73 North Chicago 1011 14th St.
74 Oak Lawn 6011 W. 95th St.
75 Orland Park 11155 W. 180th St.
708.503.0400
708.389.9400
847.670.0909
847.368.0100
847.215.3808
630.844.7030
630.692.2800
708.385.2900
630.739.9500
847.398.1515
312.440.3022
800.322.3623
312.440.6662
773.804.6084
773.394.7513
773.804.3492
773.292.4664
773.427.2102
773.693.5555
708.754.2500
708.799.8900
815.727.5222
708.388.6660
708.672.3661
219.226.2030
219.661.0676
815.356.2110
847.945.6000
815.758.2600
815.758.2125
815.754.2000
847.294.6500
219.865.1001
630.365.3336
815.469.6600
219.887.3708
219.887.2609
815.784.2004
847.543.0170
219.924.4183
847.739.3850
219.931.6670
219.845.4680
219.838.1004
219.922.2900
708.645.9100
708.503.0400
815.385.1040
815.727.5222
815.727.5222
815.727.5222
815.727.5222
815.727.5222
847.234.7000
708.503.0400
815.495.2011
815.838.2000
708.503.0400
815.385.1040
815.385.1040
708.836.7930
219.769.3000
708.388.8500
815.806.9150
708.479.4884
708.534.8100
815.942.0121
815.942.0121
847.949.2400
847.949.2400
219.836.6190
800.322.3623
847.623.1250
708.636.3200
708.532.8000
1
4
Seasonal
2
Location open through 3/18/2016
3
Opens 3/2016
Opens 3/21/2016
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
Orland Park 11200 W. 143rd St.
Palos Heights 12600 S. Harlem Ave.
Palos Heights 13419 S. Ridgeland Ave.
Park Forest 2 Main St.
Peotone 200 W. Corning Ave.
Plainfield 2320 S. Rte. 59
Plainfield 24509 W. Lockport St.
River Grove 8383 W. Belmont Ave.
Sandwich 321 E. Church St.
Schaumburg 2601 W. Schaumburg Rd.
Schererville 1806 Robin Hood Blvd.
Seneca 224 N. Main St.
Serena 2276 E. US Hwy. 52
St. John 9800 Wicker Blvd. (Rte. 41)
Sycamore 1425 DeKalb Ave.
Sycamore 230 W. State St.
Tinley Park 16700 S. 80th Ave.
Tinley Park 17500 S. Oak Park Ave.
Waukegan 214 W. Washington St.
Waukegan 1201 Golf Rd.
Waukegan 4000 Northpoint Blvd.
Westmont 100 E. Ogden Ave.
Zion 3303 S. Sheridan Rd.
708.403.0111
708.448.9100
708.388.9400
708.748.6393
708.258.3231
815.254.0500
815.436.2211
708.452.2484
815.786.7500
847.798.2800
219.865.8305
815.357.8751
815.496.2354
219.365.3661
815.895.2125
815.895.2125
708.532.8000
708.532.8000
847.623.1250
847.623.1250
847.473.6000
630.734.6705
847.746.3011
Western Illinois/Eastern Iowa
99 Bettendorf 1975 Kimberly Rd.
100 Davenport 320 W. Kimberly Rd.
101 Davenport 2722 W. Locust St.
102 East Moline 4150 Kennedy Dr.
103 Galesburg 302 E. Main St.
104 Knoxville 324 E. Main St.
105 Moline 506 15th St.
106 Moline 2222 41st St.
563.322.6237
563.322.6237
563.322.6237
309.797.7500
309.343.4141
309.343.4141
309.797.7500
309.797.7500
Central Illinois
107 Champaign 812 W. Springfield Ave.
108 Danville 100 N. Gilbert St.
109 Danville 2806 N. Vermilion St.
217.378.7640
271.431.6200
271.431.6200
ATM only locations (cash and deposit)
Arlington Heights 770 W. Dundee Rd.
Crown Point 11275 Broadway
Highland Park 850 Central Ave.
Itasca One Pierce Place
Joliet 3051 Voyager Ln. (Louis Mall)
ATM only locations (cash dispense only)
Cortland 1902 Somonauk Rd. (Casey’s)
Countryside 6201 Joliet Rd. (William Tell Holiday Inn)
Crown Point 1201 S. Main St. (St. Anthony Hosp.)
Danville 7 N. Vermilion (City Hall)
Danville 1000 E. Voorhees St.
DeKalb Barsema Hall, Holmes Student Center/Carroll Ave (NIU)
DeKalb 1 Kish Hospital Dr. (Kishwaukee Hospital)
DeKalb 1001 N. Annie Glidden (Casey’s)
DeKalb 2944 Greenwood Acres Dr. (Oak Crest Retirement Center)
Ford Heights 1372 Ellis Ave. (Police Station)
Gary 6010 W. Ridge Rd. (Ultra Foods)
Hammond 5454 Hohman Ave. (St. Margaret Mercy Hosp.)
Highland 8401 Indianapolis Blvd.
Joliet One Mayor Art Schultz Dr. (Joliet Slammers)1
Joliet 302 N. Chicago St. (Will County Administration Building)
Joliet 777 Hollywood Blvd. (Hollywood Casino)
Joliet 837 Plainfield Rd. (JD Brown)
Kingston 129 E. Railroad (Casey’s)
Malta 21193 Malta Rd. (Kishwaukee College)
Maple Park 825 County Line Rd. (Casey’s)
McHenry 4201 Medical Center Dr. (Northern IL. Med. Cntr.)
New Lenox 1900 Silver Cross Blvd. (Silver Cross Hosp.)
Palos Heights 12255 S. 80th Ave. (Palos Hosp.)
Palos Hills 10900 S. 88th St. (Moraine Valley Comm. College)
Plano 16 North Center (Casey’s)
Romeoville Rte. 53 and One University Pkwy. (Lewis Univ.)
Sandwich 15 W. Pleasant Ave. (Valley West Hosp.)
Somonauk 900 East Market (Casey’s)
University Park One University Pkwy. (Governor’s State Univ.)
Waterman 370 E. Lincoln (Casey’s)
Waukegan 1324 N. Sheridan Rd. (Vista Health Hosp.)
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First Midwest Bank. Close personal service.
The hallmark of our success for over 75 years
. . . that’s Banking with Momentum.
PERSONAL ACCOUNT INFORMATION.
In our efforts to seamlessly transition your accounts to First Midwest Bank, your account numbers will remain
the same. Please continue to use your existing supply of NB&T’s checks after the transition. The routing
number (the string of numbers to the left of your account number on the bottom of your checks) is still
valid. As you naturally deplete your supply of NB&T’s checks, please contact us at 1.800.322.3623 or
visit us at FirstMidwest.com to order a new supply of First Midwest Bank checks. Certainly, if you feel more
comfortable, we would be happy to help you order new First Midwest checks before your supply of NB&T’s
checks is depleted.
As we transition your deposit accounts to First Midwest Bank, we are pleased to offer a number of exciting
enhancements. Please review the table on the next page to see what account you will have on the Effective
Date. We have provided a brief description of most First Midwest Bank accounts following the table. To
learn more about all of the our solutions, visit FirstMidwest.com or call First Midwest Bank’s Customer Care
at 1.800.322.3623. (Please refer to the enclosed CIT Notice and the First Midwest Bank Retail Account
Agreement and Disclosure for more detailed information. These materials contain a list of fees that will go
into effect on the Effective Date).
The chart on the following page shows your new First Midwest Bank deposit account name. Please refer to
the separate Important Dates Schedule for specific information on these Personal Accounts.
Talk to a First Midwest Banker if you have questions or would be interested in learning more about
other deposit products that may be available.
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NB&T Account Name
New First Midwest Bank Account Name
Cuenta De Cheques Confianza
Simply Free Checking
Edge Checking
Simply Free Checking
Inspire 55 Checking
Simply Free Checking
Edge Checking with Free Checks
Simply Free Checking
Green Checking
Simply Free Checking
Empower Interest Checking
Simply Free Checking1
Empower Interest Checking
Midwest Checking2
Health Savings Individual Account
First Midwest Health Savings
Health Savings Family Account
First Midwest Health Savings
Cuenta De Cheques Confianza
Statement Savings
Advantage Savings
Statement Savings
Holiday Savings Club
Statement Savings
Advantage Savings Plus
Statement Savings
Cash Climbers
Statement Savings
High Rate Savings
Investor Reserve Savings
Sideline Savings
Investor Reserve Savings
Endeavor Money Market - Sandwich Branch Only
Premier Money Market - Grandfathered Interest Rates
Endeavor Money Market
Money Market
1
Empower Interest Checking with average YTD ledger balance less than $2,500 as of February 28, 2016, will convert to a non-interest bearing Simply Free Checking account.
2
Empower Interest Checking with average YTD ledger balance greater than or equal to $2,500 as of February 28, 2016, will convert to an interest bearing Midwest Checking account.
Simply Free Checking
It’s just what the name implies, a simple no-hassle approach to checking that offers unlimited check writing
privileges with no monthly maintenance fee or minimum balance requirement. This account also includes a
free First Midwest Bank Debit Card, 0.25% interest rate discounts on auto and home equity loans3 – PLUS
access to over 55,000 surcharge-free Allpoint ATMs worldwide. Check images are not included with your
monthly statements. If you would like to receive check images with your bank statement, they are available
for a fee of $2.50 per month.
Midwest Checking
This checking account includes some of our best upgrades and rewards. You’ll enjoy discounted check fees,
0.25% interest rate discounts on auto and home equity loans3, $150 rebate on mortgage closing costs4,
special rates on CDs and so much more. Midwest Checking5 also comes with a World Debit Card, free
eStatements, free Online and Mobile Banking, unlimited check writing privileges – PLUS access to over
55,000 surcharge-free Allpoint ATMs worldwide. Check Images with your statement are available free
upon request.
Health Savings
A First Midwest Health Savings Account (HSA) is an interest-bearing checking account that offers a
different way to pay for health care. You can pay for current health expenses and save for future qualified
medical and retiree health expenses on a tax-free basis.6
Statement Savings
This is a simple, interest-bearing account that comes with a personal savings register upon request, allowing
clients to continue monitoring their savings in a fashion similar to that of a traditional passbook. If you
would like to request a personal savings register or have a First Midwest Bank Debit or ATM Card associated
with your savings account, please call 1.800.322.3623 on or after the Effective Date.
Investor Reserve Savings
This savings account offers money market-like returns with a tiered rate structure, so the interest you earn
grows as your balance increases. It also provides safety, convenience and is a low-cost way to save regularly
for specific financial needs.
Additional Services for Personal Accounts
Direct Deposit
If you have an existing direct deposit into any deposit account, it should continue seamlessly without
interruption.
Automated Phone Banking
We are excited to offer you 24/7 access to First Midwest Bank-Line beginning on the Effective Date. Once
the conversion is complete, First Midwest Bank-Line can be accessed by dialing 1.800.322.3623. The first
time you access First Midwest Bank-Line, you will need to enter your account number. When prompted for
your 4-digit Personal Identification Number (PIN), enter the last 4-digits of the primary account holder’s
Social Security Number. We recommend changing your 4-digit PIN at your earliest convenience for security
purposes. You may also contact First Midwest Bank Customer Care at 1.800.322.3623 for assistance. If you
currently have accounts set up to allow phone transfers, that functionality will remain the same.
For more information regarding First Midwest Bank-Line, please refer to the Instant Answer Center, our
knowledge database at FirstMidwest.com/GetAnswers.
Please refer to the separate Important Dates Schedule for specific information regarding availability of
Automated Telephone Banking.
Online Banking
First Midwest Bank’s Online Banking system contains many of the features and functionalities that you’ve
enjoyed with NB&T’s Online Banking, making the transition easy and convenient. Some additional features
of First Midwest Bank’s Online Banking include:
• Account alerts including information regarding debit card purchases, account balances and other
security alerts.
• The ability to perform external transfers with the following limits - $2,500 for a single item, $7,500
daily, and $10,000 monthly.
• Access to the financial center dashboard, an intuitive interface which will provide maximum control
over your account.
On the Effective Date, you will be able to access First Midwest Bank’s Online Banking at FirstMidwest.com.
When you sign into First Midwest Bank’s Online Banking system you will be presented with the terms and
conditions that will apply to your use of the service. Please read these terms carefully. You must agree
to these terms to use First Midwest Bank’s Online Banking system. You must also consent to receive
disclosures electronically. Please refer to the separate Important Dates Schedule as Online Banking may be
unavailable for short intervals, and for the NB&T’s Online Banking systems last access date.
Login to First Midwest Bank’s Online Banking:
1. Your current NB&T Access ID will remain the same, and become your First Midwest Bank’s Online
Banking User ID.
2. Your temporary password will be the last six digits of your Social Security Number. When prompted,
you will need to create a new password. (You may also receive an email alert for this action.)
First Midwest Bank’s Online Banking
Upon your first login, you will be asked to verify your identity by selecting one of two methods:
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Subject to credit approval. Property insurance is required on loans secured by real estate. Home Equity Loan Discount offers cannot be combined on a single loan number. Discount
requires auto payment set-up from First Midwest checking account. Does not apply to Home Equity Lines of Credit.
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Subject to credit approval. Property insurance is required on loans secured by real estate. Mortgage Closing Cost Rebate cannot be combined on a single loan number. Requires a
recurring direct deposit of $500 or more into a Midwest Checking account. Rebate may take up to 90 days to appear in your account. Incentive may be subject to IRS tax reporting.
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$12 monthly maintenance fee waived with direct deposits of $1,000 or more monthly or $2,500 minimum daily account balance.
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Consult a tax advisor.
• Receive a single-use code via phone call or SMS message to a phone number on file.
• Answer a series of security questions sourced from public information.
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For assistance with First Midwest Bank’s Online Banking, please contact First Midwest’s Online and
Mobile Banking Support at 1.877.203.6724.
Internal Transfers and Bill Payments
Your current NB&T scheduled internal transfers and bill payments will automatically transition to First
Midwest Bank’s Online Banking system. Please note, transfers previously set up in NB&T’s Online
Banking will not be viewable within the “Pay & Transfer” tab in First Midwest Bank’s Online Banking, but
will remain active after the Effective Date.
After the Effective Date, you will be able to
download the First Midwest Bank Mobile
Banking app in order to deposit checks with
your compatible smartphone or tablet.
eStatements
On the Effective Date, 13 months of NB&T Online Banking eStatements will automatically convert
to First Midwest Bank’s Online Banking. If you wish to save additional eStatements prior to the 13
months, download and save them from NB&T’s Online Banking prior to the Effective Date. If you need
assistance with obtaining a NB&T check image after the Effective Date, please call Customer Care at
1.800.322.3623.
Bill Pay
• IMPORTANT: Bill payments will automatically transition, however, soon after the Effective Date, your
scheduled payments may not be viewable within Online Banking but will continue to be paid. You will
see those payments in your bill payment history within the week.
• IMPORTANT: First Midwest Bank will send the payment on the date you have indicated in the system.
It may be necessary to set the payment date earlier in order to ensure payment by the due date.
• First Midwest Bank’s Bill Pay is slightly different than NB&T’s. First Midwest Bank debits your account
for scheduled payments within 24-48 hours from the scheduled date for both electronic and check
payments.
• For your convenience, any NB&T loan set up for payment within NB&T’s Online Banking will
automatically be converted to a new First Midwest Bank payee after the Effective Date.
Popmoney®
• First Midwest Bank does not offer this person-to-person payment service.
External Transfers
• Scheduled External Transfers will not transition to First Midwest Bank and will need to be added after
the Effective Date.
eBills
• Prior to the Effective Date, you should deactivate your eBills from NB&T’s Online Banking.
• You may activate your eBills on First Midwest Bank’s Online Banking after the Effective Date. If you
do not deactivate eBills on NB&T’s Online Banking prior to the Effective Date, there will be a period
of one week after the Effective Date that you will not be able to activate eBills on First Midwest Bank’s
Online Banking system.
Debit Cards
If you have debit card transactions that have not cleared your account by the time of the transition to
First Midwest, the balance you will see within First Midwest Bank’s Online, Mobile and ATM systems may
be higher than what is actually available in your account(s). This will correct itself over the first few days
following the completion of the transition.
Please refer to the separate Important Dates Schedule for specific information on important dates for
Online Banking.
Mobile Banking
First Midwest’s highly-rated and widely-adopted Mobile Banking app is available for iPhone®, AndroidTM,
Amazon Kindle and iPad® devices. Some of the benefits include:
• The ability to view account information, make transfers, pay bills and deposit checks.
• The ability to view existing bill payments and create new bill payments for existing billers.
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• A generous and simple daily mobile check deposit limit of $5,000.
Using your Online Banking User ID and password, you will have two ways to access your account information
from your mobile device:
• The First Midwest Mobile Banking app (see download instructions below) or
• Visit FirstMidwest.com from your mobile device and select “Consumer Sign On”.
Your NB&T app will not automatically update after the transition. Please download the First Midwest Mobile
Banking app by doing one of the following:
• Visit FirstMidwest.com/MobileBanking to get started with Mobile Banking.
• Find our Mobile Banking app in the Apple App Store® or Google PlayTM Store by searching for
“First Midwest Bank”.
• Text “Mobile” to 57759 and we will send you a link.
Please refer to the Important Dates Schedule for the date on which you will no longer be able to use NB&T’s
Mobile Banking app to view your accounts. We recommend deleting this app from your mobile device to
avoid confusion.
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Overdraft Information for Business Accounts and General Fees
Please refer to the General Fee Schedule for Business Accounts (contained in the CIT Notice), which applies
to your business account on and after the Effective Date.
• Solutions Checking accounts will be charged a continuous overdraft fee each Business Day your
account remains overdrawn beginning on the First Business Day following the seventh (7th) calendar
day after your account is overdrawn.
• All other accounts will be charged a continuous overdraft fee through analysis after the second (2nd)
calendar day the account is overdrawn.
Any fees assessed through analysis will be charged on the first business day of the following month.
The monthly fees will be waived through June 30, 2016. Beginning July 1, 2016 First Midwest fees will
apply unless you have a previously negotiated fee schedule. If there was no designated term, all exception
pricing will expire one year after the Effective Date.
BUSINESS ACCOUNT
INFORMATION.
In our efforts to seamlessly transition your accounts to First Midwest Bank, your account numbers will
remain the same.
Please continue to use your existing supply of NB&T checks after the transition. The routing
number (the string of numbers to the left of your account number on the bottom of your
checks) is still valid. As you naturally deplete your supply of NB&T checks, please contact us
at 1.800.322.3623 or visit us at FirstMidwest.com to order a new supply of First Midwest Bank
checks. Certainly, if you feel more comfortable, we would be happy to help you order new First
Midwest Bank checks before your supply of NB&T checks is depleted. NB&T Business accounts
have been transitioned to First Midwest Bank account as referenced in the chart below.
Additional Services for Business Accounts
Business Express Online Banking
All NB&T Internet Banking users will receive First Midwest Bank Business Express Online Banking Services.
You will receive additional information regarding our service, including a new company ID, User ID and
password, prior to the transition.
Your Business Express Online Banking service will be available on the Effective Date. Refer to the Important
Dates Schedule for the date on which clients will no longer be able to access their account information via
the NB&T Internet Banking system.
IMPORTANT: We strongly recommend that you download any account history, e-statements and ACH
template information (if applicable) you wish to retain prior to the Effective Date.
You will be able to access Business Express Online Banking by going to
1. FirstMidwest.com.
2. Select the Commercial tab.
3. Click on the purple Sign On menu.
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NB&T Account Name
New First Midwest Bank Account Name
Corporate Checking
Commercial Checking
IOLTA Account
IOLTA Account
Venture Checking
Solutions Checking
Belief Checking
Non-Profit Checking
Charitable Checking
Non-Profit Checking
Belief Interest Checking
Non-Profit Checking w/Interest
Charitable Interest Checking
Non-Profit Checking w/Interest
Public Finance Checking
Public Funds Checking
Public Finance Interest Checking
Public Checking with Interest
Enterprise Money Market
Business Money Market
Belief Money Market
Non Profit Money Market
Charitable Money Market
Non Profit Money Market
Public Finance Money Market
Public Money Market
Business Savings
Business Savings
Business Statement Savings
Business Savings
Public Savings
Public Savings
4. Select Business Express.
Remote Deposit Capture and Positive Pay
Information regarding these services will be provided prior to the Effective Date in a separate notification.
Automated Phone Banking
We are excited to offer you 24/7 access to First Midwest Bank-Line beginning on the Effective Date. Once
the conversion is complete, First Midwest Bank-Line can be accessed by dialing 1.800.322.3623. The first
time you access First Midwest Bank-Line, you will need to enter your account number. When prompted for
your 4 digit Personal Identification Number (PIN), enter the last 4-digits of the Tax Identification Number
for Business accounts. We recommend changing your 4-digit PIN at your earliest convenience for security
purposes. You may also contact First Midwest Bank Customer Care at 1.800.322.3623 for assistance. If you
currently have accounts set up to allow phone transfers, that functionality will remain the same.
For more information regarding First Midwest Bank-Line, please refer to the Instant Answer Center, our
knowledge database at FirstMidwest.com/GetAnswers.
Please refer to the separate Important Dates Schedule for specific information related to the timing and
availability of Automated Phone Banking.
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GENERAL ACCOUNT INFORMATION.
Personal and Business Debit and ATM Cards
You will be receiving a new First Midwest Bank Debit or ATM Card with a new card number to replace
your NB&T Debit or ATM Card after the conversion. If you have any bills that are being paid automatically
via your NB&T Debit or ATM Card, you must notify the payee of your new card number and expiration date. In
case of errors or questions about your electronic transfers, please refer to the Retail Account Agreement
and Disclosure or the Business Account Agreement and Disclosure (both contained in the CIT Notice).
You will receive your new First Midwest Bank Debit or ATM Card after the conversion. Prior to receipt
of your new card, you may continue to use your current NB&T Debit Card. Upon receipt of your new
First Midwest Bank Debit or ATM Card, you will also receive a mailing reminding you of the Personal
Identification Number (PIN). Please note that your PIN will remain the same; therefore, this mailing will
simply serve as a reminder. You will need your PIN to activate your new First Midwest Bank Debit or ATM
Card. Simply follow the instructions that accompany your new card to activate it. You may also change
your PIN at this time.
Our momentum starts with personal
commitment. Commitment that gives us and
our clients the power to make their lives
better. Their companies stronger. Their
business objectives more attainable.
You must begin using your new First Midwest Bank Debit or ATM Card for purchases and stop using your
NB&T Debit Card within 45 days after receipt of your new card. Your NB&T Debit and ATM Card will be
closed within 45 days after receipt or upon activation of your new First Midwest Bank Debit or ATM Card.
NB&T Cards cannot be reactivated or reopened once closed. On the Effective Date, you will have free
access to First Midwest Bank’s network of over 100 ATMs – plus 55,000 surcharge-free ATMs worldwide
in the Allpoint network (Debit Cards only). Please call us with any questions about your new First
Midwest Debit or ATM Card(s) at First Midwest Bank Customer Care at 1.800.322.3623.
If you have debit card transactions that have not cleared your account by the time of the transition to
First Midwest, the balance you will see within First Midwest Bank’s Online and ATM systems may be
higher than what is actually available in your account(s). This will correct itself over the first few days
following the completion of the transition.
Please refer to the separate Important Dates Schedule for specific information on dates that apply to
Personal and Business Debit and ATM Cards.
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Allpoint ATM Access
First Midwest Bank is a member of the Allpoint Network allowing you to continue enjoying access to over
55,000+ surcharge free ATMs.
Direct Deposits and Electronic Funds Transfers for Personal and Business Accounts
All electronic funds transfers will remain in place. In most cases, everything will be automatically changed,
and you will have no interruption in your direct deposit or transfer.
ATM Deposits
NB&T ATMs will not be able to take deposits for a period prior to the Effective Date. If you deposit funds
to cover checks or current account activity during this period, please do so at your current NB&T branch to
ensure funds are available as quickly as possible. Refer to the Retail Account Agreement and Disclosure or
the Business Account Agreement and Disclosure (both contained in the CIT Notice) for complete details
regarding our Funds Availability Policy.
Beginning on the Effective Date, all future direct deposits, preauthorized or other electronic transfer
relationships that you establish should use First Midwest Bank’s routing number 071901604.
Please refer to the separate Important Dates Schedule for specific information on ATM Deposits.
NB&T Credit Card Clients
After the Transition Date, payments for any credit card issued by or on behalf of NB&T are not being
acquired. Please follow the directions on your credit card statement for payment. To avoid late charges and
delay of payment processing, do not mail or present payments to any First Midwest branch or contact First
Midwest Bank for any information pertaining to your credit card. Contact information can be found on the
back of your credit card or credit card statement.
Overdrafts and Returned Items
For purposes of overdraft processing, First Midwest Bank determines your account balance at the end of
each business day. To determine your account balance, we begin with your ledger balance (when funds
are credited before collection occurs) and (i) subtract any holds on your account; and (ii) add any deposits
available for withdrawal that day (based on our Funds Availability Policy) and any credits to your account.
From this amount, we then subtract any items received for payment during that business day, in a defined
posting order, and any fees and charges assessed by the Bank against your account. An overdraft occurs
when during this determination process, the Bank receives an item for payment and your account balance is
not sufficient to pay the item. You may be charged an Overdraft Fee or Returned Item Fee for each item that
overdraws your account, whether the overdraft was caused by you or another person authorized to use the
account or by fees applicable to the account. You may refer to the “Overdrafts/Returned Items, Processing
Order and Fees” and the “First Midwest Bank Funds Availability Policy” found in the Retail Account
Agreement and Disclosure or the Business Account Agreement and Disclosure (contained in the CIT Notice)
for additional information.
Overdraft Privilege
With Overdraft Privilege, you will have a set, predictable overdraft limit. We will use this as a guide to help
us decide if we are going to authorize an overdraft on your account. If you are eligible for this program you
will receive a separate notification prior to the transition date.
Opt in - If you currently opt in to overdraft coverage for ATM and one time debit card transactions, your
choice will continue to apply.
Funds Availability
Our policy is to make funds from your cash, wire transfers, electronic direct deposits and other electronic
transfers, available to you on the business day we receive the deposit. Funds from other deposited items,
such as checks, will be made available on the first business day after we receive the deposit. Refer to the
Retail Account Agreement and Disclosure or the Business Account Agreement and Disclosure (contained in
the CIT Notice) for complete details.
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Interest Calculations
First Midwest Bank uses the daily balance method to calculate interest. Under this method, interest is
calculated by applying a periodic rate to the full (collected) balance in your account each day. The collected
balance is the balance that reflects the deposits you have made and for which First Midwest Bank has
actually received credit. This occurs when First Midwest Bank collects the funds (receives credit) from the
other bank.
Please refer to the separate Important Dates Schedule for specific information applicable to direct deposits
and electronic funds transfers.
Personal and Business Account Transfers
All established internal transfers will remain in place.
Please refer to the separate Important Dates Schedule for specific information related to Personal and
Business Account transfers.
Personal and Business Account Statements
You will receive a statement for transactions prior to the Effective Date from NB&T. After the transition is
complete, the next statement you receive will generally arrive around the same date that you have been
receiving your current statement. In some circumstances, savings account statement dates may vary. IRA
statements will be generated annually at the end of the calendar year. Any service fees incurred will be
assessed on a monthly basis. You can view free check images after the Effective Date for all of your personal
checking accounts using our free Online Banking service. First Midwest Bank will continue to store your
cancelled checks.
Please refer to the separate Important Dates Schedule for specific information about Personal and Business
Account Statements.
Certificates of Deposit (CDs)
CDs will automatically renew into the CD terms and conditions of First Midwest Bank on the date of renewal.
CD account holders will receive advance notice of maturity and a renewal notice along with complete details
regarding the terms for renewal of the CD. CD statements will only be produced if there is a combined
statement relationship. Upon maturity, please call First Midwest Bank’s Customer Care at 1.800.322.3623
or visit your Personal Banker to discuss the CD solution that’s right for you. Please refer to the separate
Retail CIT Notice for changes to the early withdrawal penalties.
Individual Retirement Accounts (IRAs)
The custodianship of the IRA will change from NB&T to First Midwest Bank on the Effective Date. An
individual with multiple IRAs may consolidate or aggregate the separately calculated Required Minimum
Distributions (RMDs) and withdraw the total amount from any one or more of the IRAs. If you are taking the
RMD from another institution, you must complete a “Waiver of Distribution” from First Midwest Bank, which
informs us that you will meet your RMD with another institution. If you do not meet your RMD with First
Midwest Bank and have not completed a waiver form, a check for the required amount will be sent to you at
the beginning of December of the year the distribution is required.
Please refer to the separate Important Dates Schedule for specific information on the Effective Date for
Individual Retirement Accounts (IRAs).
Safe Deposit Boxes
Please refer to the Retail CIT Notice for changes to your Safe Deposit Box Agreement. Clients who
continue to maintain a Safe Deposit Box should continue to send rental payments to the branch where
your box is located. Any additional pricing changes will be communicated in writing prior to the contract
expiration date.
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Personal Loans and Lines of Credit
Prior to the Effective Date, any questions regarding your loan or line of credit should be directed to NB&T
at 1.815.895.2125. After the Effective Date, for information regarding your loan or line of credit, please
call the First Midwest Bank Customer Care at 1.800.322.3623. First Midwest Bank Sales Solution Center
can also provide more information about our wide array of consumer borrowing solutions, you can visit
FirstMidwest.com/Borrow or call 1.800.241.1749.
Please refer to the separate Important Dates Schedule for specific information on the dates applicable for
Personal Loans and Lines of Credit.
Loan Coupons
NB&T clients who presently have loan coupons will transition to First Midwest Bank loan payment billing
statements beginning on the Effective Date. These bills will be mailed each month prior to your scheduled
due date. During the transition, clients will be able to use their coupons for their payments. Affected loan
coupon clients will be receiving an additional communication from First Midwest Bank.
Loan Payments Mailing
All NB&T loan clients will be receiving an additional communication from First Midwest Bank to assist
them in successfully redirecting their loan payments to First Midwest Bank. Future loan billing statements
produced after the Effective Date will replace current NB&T billing statements and contain the First
Midwest Bank loan payment mailing address. For clients with auto debit payments, there will be no change.
Your auto debits will continue unaffected by this transition.
Debit Card Reward Program
All debit card reward participants will be receiving an additional communication from First Midwest Bank
to inform them about the termination of this program and the process on how to redeem their outstanding
reward points.
Please refer to the separate Important Dates Schedule for specific information on the dates applicable for
this Debit Card Reward Program.
Tax Reporting
Form 1098
All interest paid during 2016 will be reported by First Midwest Bank.
Form 1099
All interest earned and paid during 2016 will be reported by First Midwest Bank.
Wire Transfers
Business clients who currently request wire transfers online, will receive a separate communication prior
to the Effective Date. A System Administrator will need to be designated for this Service and will assign
Security Devices and the individual authority level of authorized representatives to initiate and/or confirm
Payment Orders. In addition, a Wire Transfer Authorization will need to be completed designating persons
authorized to confirm transactions when there is a Call-Back. These individuals will each be assigned a
Telephone PIN. Beginning on the Effective Date, clients will transmit via First Midwest Bank’s Business
Express. The Payment Orders will be processed directly with First Midwest Bank’s Wire Transfer Department
on business days between the hours of 9:00 AM to 4:00 PM.
NB&T received international incoming wires through JP Morgan Chase on your behalf. As of the Effective
Date, this will change to the following two options:
Originating Bank – that uses own Correspondent:
Beneficiary Bank:
First Midwest Bank
Beneficiary Bank Address:
One Pierce Place Ste. 1500, Itasca, Illinois 60143
SWIFT/BIC Code:
FMIDUS44
ABA/Fedwire/Local Code:
FW071901604 (if applicable)
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Originating Bank – who prefers to use First Midwest Bank’s Correspondent:
Intermediary Bank:
Bank of New York Mellon
Intermediary Bank Address:
One Wall Street, New York, New York 10286
Intermediary Bank SWIFT:
IRVTUS3N
Intermediary Bank Account:
8901039004 First Midwest Bank
You must notify the sender of the changes.
As of the Effective Date, there will be a few changes for Personal clients who request to send a wire transfer
to a foreign country.
• The wire transfer request will need to be completed in person.
• Clients will stay at the branch approximately 10 minutes to sign a required disclosure, which will list
the transfer amount, First Midwest Bank’s transfer fee, exchange rate, and other fees.
• Your transaction can be cancelled for up to thirty (30) minutes and can be communicated either
verbally or in writing. All monies including fees would be refunded.
FDIC Insurance Coverage
If you had accounts at both First Midwest Bank and NB&T, you may be affected by a limitation of FDIC
insurance coverage due to the merger. For clients who currently maintain accounts at both banks:
1. Your converted deposit accounts will be separately insured from any accounts you already have
at First Midwest Bank for six months after the Effective Date. For example, with an Effective Date
of March 14, 2016; separate insurance coverage will continue until September 15, 2016.
2. For time deposits, the separate deposit insurance will continue until the first maturity after the
expiration of those six months.
For example: Jack Doe’s time deposit matures on December 1, 2016, outside of the six month
separate insurance coverage period, Jack’s time deposit will maintain separate insurance coverage
until the first maturity date of December 1, 2016.
Exceptions that apply to time deposits:
Time deposits that mature within the six month period and are renewed for the same amount with or without
accrued interest added to the account and the same term as the original deposit will continue to have
separate insurance coverage until the next maturity date.
For example: Merger occurs March 14, 2016. The six month extension period expires September 15,
2016. Jane Doe’s one year CD matures July 28, 2016, within the six month period. Jane Doe does not
make any changes to this account and lets it renew automatically. Jane will receive separate insurance
coverage until her NEXT maturity date on July 28, 2017.
Time deposits that mature within the six month period and are renewed for a different term or amount will
not be insured separately after the six month period expires.
For example: Merger occurs March 14, 2016. The six month extension period expires September 15,
2016. John Doe’s CD matures July 28, 2016, within the six month period. John Doe changes the length
of time the dollars are invested (term). John’s separate insurance coverage would end on September 15,
2016, at the end of the six month period.
3. During this six month time period, the depositor must rearrange their deposits if necessary to
maintain appropriate levels of FDIC insurance coverage.
If you have specific questions please refer to the FDIC’s website (www.fdic.gov) or telephone information
center 1.877.ASK.FDIC (1.877.275.3342) or contact First Midwest Bank Customer Care at
1.800.322.3623.
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Notes:
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