170206 Yadkin Welcomeguide.Pdf

170206 Yadkin Welcomeguide.Pdf

WELCOME TO FIRST NATIONAL BANK Providing products and services as unique as the clients we serve Your guide to key conversion dates and comprehensive financial solutions. GROWING STRONGER Questions? Stop by your neighborhood First National Bank office or call 1-800-555-5455. TO SERVE YOU BETTER fnb-online.com Bank products are Equal Housing Lender, Member FDIC unless otherwise noted. NYSE: FNB INTRODUCTION TABLE OF CONTENTS 2 3 CONSUMER WELCOME TO FIRST NATIONAL BANK CONSUMER PRODUCTS AND SERVICES First National Bank (FNB) has been helping customers achieve their PRODUCTS AND SERVICES financial goals since 1864. We are excited about our new partnership with Yadkin Bank and NewBridge Bank because it gives us the opportunity to build new relationships with customers like you. With products and services as unique as the people we serve, you can look forward to customized Introduction 2 financial solutions that are a fit for your individual needs and goals. Accessing Your Accounts 4 CONSUMERS This Welcome Guide is designed to help you discover what First National Bank Consumer Products and Services Checking Accounts 8 are outlined in the BLUE Consumer has to offer in addition to important dates and actions required. Savings Accounts 10 Products and Services section. You can rely on our Personal Bankers to help you develop a plan to Debit and Credit Cards 12 Important Dates: BUSINESSES achieve your financial goals. With the professional guidance, support Convenience Banking 13 Saturday, March 11, and Business Products and Services and resources of a large community bank, you can be certain that your Sunday, March 12, 2017 are outlined in the RED Business Mortgages and Loans 14 personal plan will continue to work for you. Products and Services section. All Yadkin and NewBridge locations will be Wealth Management and Insurance 15 closed to prepare for the transition. We understand that even with the best written product and service Private Banking 16 explanations, sometimes talking with a real person can be helpful. Monday, March 13, 2017 Business Products and Services 17 Please feel free to contact our Customer Service Center at 800-555-5455, All former Yadkin and NewBridge locations Our Pledge First National Bank Difference 31 8:00 AM – 9:00 PM Monday through Friday, 8:00 AM – 5:00 PM on will open for business as First National Bank. You will have access to an Saturday and 9:00 AM - 5:00 PM on Sunday, or email us at You gain access to the full range of products extended network of ATMs [email protected] for assistance. We’ll also be and services offered by First National Bank. and banking locations. updating our website with information about the transition to Visit a local office during the week for our First National Bank. Please visit www.fnb-online.com/welcome. You will have access to new Open House and celebrate our commitment products and services to help to serving you as a First National Bank customer. you achieve your financial goals. You will receive the same prompt, courteous customer service you have come to expect. ACCESSING YOUR ACCOUNTS ACCESSING YOUR ACCOUNTS 4 5 CONSUMER The following Quick Reference Guide contains important instructions and date references that will help ensure a IMPORTANT DATES AND TIMES seamless transition of your accounts and services to First National Bank. FNB Service What You Should Know Important Dates Action Needed PRODUCTS AND SERVICES ACH Transfers and Direct deposits and automatic transfers to and from your accounts will continue without interruption. No action needed. Direct Deposits/ Debits Availability of For full details on the First National Bank funds availability policy, check/items processing and Please refer to the enclosed Important Account Deposits overdraft practices that apply to your accounts, please refer to the enclosed Important Account Information disclosure. Information disclosure. PRODUCTS AND SERVICES Branch Banking In addition to banking at our network of more than 400 convenient offices and 550 ATMs, we also offer a variety See page 3 of this Welcome Guide for important dates. Visit a local office during the week beginning Monday, of other banking options to simplify your money management. March 13, 2017, for our Open House, and help us celebrate our commitment to you as a First National Bank customer. CDs The current rate and terms of your CD(s) will remain the same until the maturity date. Some account No action needed. numbers may change. If this change affects you, you will receive this information under separate cover. Checking Accounts Your checking account will transition to a First National Bank account listed in the chart on pages 8-9. Direct See the chart on pages 8-9 for details related to your If, after reviewing the features of your new account, you determine deposits and automatic transfers to and from your accounts will continue without interruption. Automatic transfers specific account. that it does not meet your needs, please contact your Banker or our CONSUMER will be posted to the account nightly on the same business day that the transfer is scheduled, or on the next Customer Service Center at 800-555-5455. We will be happy to help business day if the transfer is scheduled on a weekend or holiday. Also refer to “Availability of Deposits” description you identify an account that better meets your needs. above regarding First National Bank’s check/item processing and overdraft practices. Checks You may continue to use your existing checks and deposit slips. Upon depletion of checks and deposit slips, please When you need to order new checks, you can order directly online, order new supplies. See “Action Needed” for reorder by phone or in person. If you order checks from a source other information. than First National Bank, please call our Customer Service Center at 800-555-5455 to obtain important bank-specific information prior to placing your order. Consumer and The terms of your loan or line of credit will remain unchanged and fees and late charges will be assessed in accordance Saturday, March 11, 2017: After this date, you can make Make loan payments from your First National Bank checking or Business Loans or with your existing contract unless you receive a separate notification of specific changes. If you have a line of credit, you payments at your local First National Bank office or savings account by following the prompts when you call 800- Lines of Credit will receive a monthly First National Bank statement which will provide the new payment address and other details of through Online or Mobile Banking. 555-5455, or mail your payments to P.O. Box 6122, Hermitage, PA your account. Payments made by automatic deduction from a deposit account will continue. 16148-0922. Credit Cards The terms and conditions outlined in your credit card agreement will remain the same unless you are notified of Credit card payments will no longer be accepted in branches. a change in a separate mailing. Automatic payment will continue without interruption unless you are notified of a Please mail your payments to the address included in your change in a separate mailing. monthly billing statement. Future Dated and External online transfers to other financial institutions via Online Banking will not transfer to First National Bank. Sunday, March 12, 2017: External online transfers may be Re-establish your external online transfers by logging on to Recurring Online Internal online transfers from one Yadkin or NewBridge Bank account to another Yadkin or NewBridge Bank set up through FNB Online Banking. FNB Online Banking and selecting the Transfers tab. Transfers account will transfer to First National Bank. Individual Your Yadkin or NewBridge Bank account will remain the same until maturity. At maturity it will convert to an Saturday, March 11, 2017: First National Bank will become You will receive notification of your new FNB IRA at least 30 days Retirement FNB account that most closely matches your current requirements, features and benefits. IRA statements will be the new custodian of your IRA Plan. prior to maturity. Accounts mailed annually in January. Some account numbers may change. If this change affects you, you will receive (Consumer Only) this information under separate cover. Mortgage Loans The terms and conditions outlined in your mortgage loan documents will remain the same unless you are notified Saturday, March 11, 2017: Beginning this date, questions Please make note of the mailing address for mortgage payments: P.O. of a change in a separate mailing. Automatic payments will continue without interruption unless also notified in a about your mortgage loan can be directed to our Box 6122, Hermitage, PA 16148. Overnight delivery payments should separate mailing. Customer Service Center at 800-555-5455 or by writing us be mailed to 4140 East State Street, Hermitage, PA 16148-3487. at 4140 East State Street, Hermitage, PA 16148-3487. Online and Mobile If you currently use online or mobile banking with Yadkin Bank or NewBridge Bank, you will need to complete Yadkin Bank Customers: Thursday, March 9, 2017: Yadkin Bank Please print your Yadkin Bank or NewBridge Bank transaction history and Banking the setup process at www.fnb-online.com on or after the dates listed at right to complete the process of services will no longer be available; begin using FNB’s Online & print/save your Online Statements prior to Thursday, March 9, 2017, as this establishing your access to FNB’s Online and Mobile Banking services. Once you complete the setup process you Mobile Banking services Sunday, March 12, 2017. information will not be moved over to FNB. On or after Sunday, March will have access to all of your accounts on which you are an owner or signer.

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