9x12-4" pocket folder
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Welcome Guide
myCCNB.com © 2016 Coastal Carolina Bancshares, Inc. All rights reserved. EQUAL HOUSING
LENDER
Member
FDIC
erocS
We Can Do That!
Important Account Information
We Can Do That! Coastal Carolina National Bank is a healthy, hometown community bank focused on helping you prosper and meet your financial goals. We take pride in being an active member of our community, and use our “We Can Do That” spirit everyday to provide you with the finest banking experience possible. CCNB’s banking solutions are designed to give you complete control over your personal and business finances
CCNB is the only local community bank to receive a 5 star rating from BauerFinancial® Inc., every quarter for the past three years in a row. “A consistent 5 star rating is a testament to our team’s “We Can Do That” spirit and our pursuit of excellence.” Laurence S. Bolchoz Jr. President/CEO
while having your convenience in mind. Our many timesaving conveniences let you spend less time banking and more time living. CCNB offers free, unlimited nationwide ATM transactions, competitive rates and a variety of accounts to fit your personal and business lifestyle. Our quality banking products are supported by state-of-the-art technology which puts banking at your fingertips anytime, anywhere. Whether you’re just starting out and need a timely decision on a home mortgage or you’re a business looking for a commercial loan, let CCNB’s dedicated team use our “We Can Do That” spirit to help turn your dreams into reality.
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Welcome To CCNB Welcome Friends, On behalf of Coastal Carolina National Bank, it is our pleasure to welcome all VistaBank customers to CCNB. We are pleased to be joining forces with a community bank that shares our continuous pursuit of excellence and our commitment to providing impeccable customer service.
Laurence S. Bolchoz Jr. President/CEO
Beginning Friday, October 7 through Tuesday, October 11, 2016, all VistaBank locations will transition to CCNB pending regulatory approval. Until October 7, please keep banking the way you do today. Rest assured, as a nationally chartered and well-capitalized bank, your accounts will continue to have the protection of FDIC insurance as they do today. In an effort to make this conversion as smooth as possible, this welcome guide contains important information regarding your accounts, and alerts you to possible interruptions in service during the conversion process. We apologize for any inconvenience this might cause and hope you find this advance notice helpful. Please keep this guide handy for future reference. If you still have questions after reviewing this information please call us toll free at (866) 418-9219 or visit one of our convenient locations to speak with a CCNB representative. When you visit our bank’s branches, you’ll see many of the same friendly faces at your local offices you’ve come to know, and hopefully have the chance to meet some new members of our dynamic team. CCNB remains committed to providing you with exceptional customer service, and works hard to earn and maintain your trust. We promise to uphold the high standard of community banking to which you are accustomed. This is a commitment we share and a tradition we’re serious about preserving. As you learn more about us, you’ll find this is not just a merger of two financial institutions. It’s about a blending of strengths, banking conveniences, and service enhancements so that together we can help you, your business, and the communities we serve achieve more. Thank you for allowing CCNB the opportunity to serve you. Our entire team is looking forward to putting our “We Can Do That” spirit to work for you. Welcome to CCNB! Sincerely,
will soon become
Laurence S. Bolchoz Jr. President/CEO P
(Brown= R-136/G-78/B-1 and Blue=R-39/G-37/B-78)
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Table of Contents General Information..................................................................3 • Contact Information • Our Locations • Extended Hours
4 KEY DATES AND FACTS
6-7 PERSONAL BANKING
Key Dates and Conversion Facts...........................................4-5 • What’s happening and when • Services temporarily unavailable • Account numbers and FDIC Insurance Personal Deposit Accounts....................................................6-7 Business Deposit Accounts....................................................8-9 Loans and Lines of Credit ......................................................10 Additional Services ................................................................11 • CDs, IRAs • Telephone Banking • Tax Reporting • Cash Advance • Safe Deposit Boxes • New Opportunities
8-9 BUSINESS BANKING
Electronic Banking Services............................................12-13 • History/Check Images • Online Banking • BillPay • E-Statements • PopMoney • Mobile Banking • Quicken/QuickBooks • Login Instructions • Tokens
12-13 ONLINE & MOBILE BANKING
Cash Management Services.....................................................14 • Remote Deposit Capture • Merchant Services • Wire Origination • ACH Origination Card Services ..........................................................................15 • ATM, HSA and Debit Cards • Credit Cards
14
Schedule of Fees......................................................................16
CASH MANAGEMENT SERVICES
Disclosure Appendix............................Back Cover Inside Pocket Conversion Checklist..........................Back Cover Inside Pocket
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General Information Ways to Connect: CCNB - Main Branch 1012 38th Avenue North, Ste. 100 Myrtle Beach, SC 29577
Phone: (843) 839-2265 Toll Free: (866) 418-9219 Website: myCCNB.com
A message from our Customer Care Team: Our Customer Care Team is ready to assist you to ensure the smoothest transition possible! If you have questions about our locations, extended hours, or want to learn more about the many banking products and services we offer we are here to help. In addition to this guide, we’ve created a special section on our website where we’ll post real-time updates and answer your frequently asked questions so you can stay informed through the transition. Although we’ve made every effort to do most of the work for you, there are some simple adjustments you might need to make. Look for our handy conversion checklist in the back cover pocket of this welcome guide to assist you.
ONLINE: Visit myccnb.com/warm_welcome EMAIL: [email protected] PHONE: Call any location to speak with a team member
Accessing Your Business Accounts
Locations 1
2
3
MYRTLE BEACH
4
5
AIKEN
1012 38th Ave. North, Ste. 100
128 Laurens Street, NW
Myrtle Beach, SC 29577
Aiken, SC 29801
Phone: (843) 839-2265 ▲ ❑
Phone: (803) 644-9550 ▲
GARDEN CITY
5
00-00
1219 Assembly Street, Suite 101
Garden City, SC 29576
Columbia, SC 29201
Phone: (843) 839-3066 ▲ ❑
Phone: (803) 733-2582 6
1
COLUMBIA
2961 Highway 17 South
NORTH MYRTLE BEACH
2
4
3
6
CONWAY
1100 Highway 17 North, Ste. 101
1106 3rd Avenue
North Myrtle Beach, SC 29582
Conway, SC 29526
Phone: (843) 839-3055 ▲ ❑
Phone: (843) 488-2800
00-00
● Our Locations ▲ ATM ❑ Drive-Up Teller Service
Disclosures, Fees and Other Services
Extended Hours HOURS ARE CHANGING FOR THE BETTER
Effective Tuesday, October 11, 2016, our hours will be changing to Monday through Thursday: 8:30 a.m. – 5:00 p.m., Friday: 8:30 a.m. – 5:30 p.m. You may bank when it’s convenient for you using CCNB’s online and mobile banking services. Visit us online at myCCNB.com to learn more.
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Key Dates and Conversion Facts HERE’S WHAT’S HAPPENING AND WHEN
On Tuesday, October 11, 2016 all VistaBank locations will become CCNB
Special Deposit Statement Issued Your last VistaBank statement (and e-statements) will include account activity through Friday, October 7. If you have previously enrolled in e-statements, your enrollment will transfer without interruption as part of our system conversion. Monthly service charges for personal accounts will be waived through November 10, 2016 and monthly service
Some Services Temporarily Unavailable:
October 7-10, 2016
charges for business accounts will be waived through October 31, 2016.
Statement Cycles Your personal banking statement cycles will be changing. Please refer to pages 6-7 for details regarding your new statement cycles.
Merger and Account Conversion At the close of business on Friday,
October 7, all VistaBank loan and
deposit accounts will become corresponding
VistaBank ATM/Debit/HSA Cards Beginning Friday,
October 7 your
VistaBank debit card, ATM and HSA cards
simple, we will automatically move your existing
will have reduced card limits through Monday,
VistaBank account into the most comparable
October 10. On Tuesday, October 11, your
CCNB account. Refer to pages 6-7 (personal
VistaBank debit card, HSA and ATM cards will
banking) and pages 8-9 (business banking)
be deactivated. Refer to page 15 for additional
for account details.
information about your ATM, Debit and HSA
Your personal and business deposit account numbers and loan numbers will not change
cards, and to learn more about your conversion weekend spending limits.
Your New CCNB Debit Cards Prior to conversion, you will receive
and your VistaBank checks will continue to
a CCNB Visa® debit card. You may begin using
be honored for up to one year. We
your new card on Saturday,
encourage you to update direct deposits,
with reduced daily limits. By Tuesday, October
automated drafts, and/or transfers to reflect
11, your new card will be fully active, limits
your new routing number as indicated below.
will be restored, and you can continue to enjoy
Your New Routing Number
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be changing.
CCNB bank accounts. To make this process
Account Numbers, Loan Numbers and Checks
4
Business banking statement cycles will not
October 8,
FREE unlimited transactions nationwide! If you have concerns regarding when your debit
For your reference, CCNB’s routing
card will arrive, please call us at (866) 418-9219.
transit number is 053208309.
Refer to page 15 to learn more.
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FDIC INSURANCE Both VistaBank and CCNB are
ATM/Aiken
Health Savings Accounts (HSA)
FDIC insured institutions. After the
There will be no change to your
merger occurs on October 7, 2016,
there will be an interruption in service at
current health savings account, however
the deposits from VistaBank will be
our Aiken branch ATM. You may withdraw
your HSA debit card will have reduced
combined with the deposits at CCNB.
cash from other ATM locations nationwide
limits during conversion weekend.
If you have accounts at both banks,
using your CCNB Visa® debit card. Service
See page 15 for more information.
your accounts will be separately
Beginning,
Friday, October 7,
will resume on Tuesday, October 11.
Online and Mobile Banking Interruption of Service Access to VistaBank’s online banking will be unavailable beginning 5
p.m.
Friday, October 7. Please log on to
Loan Payments, Terms and Conditions Payment due dates, and the terms and conditions of your loans will not change. Your automatic payments for loans will not change and will
CCNB’s online banking at myCCNB.com
continue without interruption.
starting Tuesday, October 11. Refer to
Refer to page 10 for more details.
pages 12-13 for additional details and important login instructions.
Bill Payment Access to VistaBank’s bill payment system will end Friday,
October 7
Home Equity Lines (HELOC)
insured through the FDIC until at least April 7, 2017 (a grace period of six months after the merger occurring on October 7, 2016). For Certificates of Deposit, FDIC insurance will continue until the maturity date, even if the maturity date falls after the six month grace period. If, after the grace period,
The terms and conditions of your
your deposits are greater than $250,000,
home equity line will not change.
a representative from CCNB will be
Billing for your line of credit will now
happy to meet with you and discuss
occur 20 days ahead of the payment
how you can maximize your
at 5 p.m. Your BillPay information,
due date (instead of the current 24 days).
FDIC insurance coverage.
existing payees and scheduled
Your first bill after conversion will include
payments will transition with the system
four additional days of interest due to the
conversion. Refer to page 12 for
Please visit your local branch
billing change. Refer to page 10 for
more information.
more information.
to speak with a bank representative
Telephone Banking
or concerns.
Access to VistaBank’s telephone
Cash Management Services
banking will be disabled beginning
Cash management services such as
5 p.m. Friday, October 7.
RED (RDC), ACH Origination and Wire
Beginning Tuesday, October 11,
Origination will be unavailable starting
please call our toll-free telephone banking system at (866) 928-4713. Refer to page 11 to learn more.
CDs and IRAs Your Certificate of Deposit and IRA account numbers will not change. Terms and conditions for these accounts
if you have any questions
5 p.m. Friday, October 7 through Monday, October 10. Refer to page 14 for more information.
Looking for more details? Visit myccnb.com/warm_welcome for real-time updates and
will not change until maturity.
additional information as we
Refer to page 11 for additional details.
approach conversion weekend.
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Personal Deposit Accounts IF YOUR CURRENT VISTABANK ACCOUNT IS:
Free Checking Student Checking
Plus 50 Personal Interest
YOUR CCNB ACCOUNT BECOMES:
Free Checking*
MONTHLY SERVICE CHARGES
none*
Personal Money Market
Interest Checking
$10 only if less than the minimum balance requirement†
Statements issued on the 10th of the month
$10 only if less than the minimum balance requirement†
Statements issued on the 10th of the month
Classic Money Market Account
Classic Savings
Minor Savings
Get Started Savings Account
There will be no change to your Health Savings Account, IRAs or CDs. These accounts will automatically transfer with the conversion. See page 11 for more information regarding CDs and IRAs.
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Statements issued on the 10th of the month
none*
Personal Savings
†Service charges waived through Nov. 10, 2016.
Statements issued on the 10th of the month
Prime (Senior Free*) Checking
Founders Checking
Vista Checking
STATEMENT DATES
$3 only if less than the minimum balance requirement†
none*
Money Market Rate Tiers: 0-$999.99 $1,000 -$9,999.99 $10,000-$24,999.99 $25,000-$49,999.99 $50,000-$99,999.99 $100,000 and up
Statements issued quarterly
Statements issued quarterly
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If another account better suits your needs instead of the one into which you are transitioned, please contact your local branch office and a representative will help you review your options.
ADDITIONAL ACCOUNT DETAILS
Minimum opening balance is $50 No minimum daily balance required No maintenence fees*
Minimum opening balance is $50 An interest-bearing checking account for those 50+ with unlimited free check writing and no maintenance fees* Call CCNB for rate2
Minimum opening balance is $50 An interest-bearing checking account with no maintenance fees* as long as the required minimum daily balance of $750 is maintained. Call CCNB for rate2
YOUR CCNB ACCOUNT FEATURES AND BENEFITS
FREE unlimited nationwide ATM transactions FREE1 mobile banking, online banking and BillPay FREE telephone banking FREE unlimited check writing and 1st order of basic checks FREE VISA® debit card
FREE unlimited nationwide ATM transactions FREE1 mobile banking, online banking and BillPay FREE unlimited check writing FREE lifetime order of basic checks FREE VISA® debit card and free telephone banking FREE monthly statements with check images ONE 3”x 5”safe deposit box at half price (subject to availability)
FREE unlimited nationwide ATM transactions FREE1 mobile banking, online banking and BillPay FREE unlimited check writing and 1st order of basic checks FREE VISA® debit card and free telephone banking
Minimum opening balance of $1,000 An interest-bearing account with no maintenance fees* as long as the required minimum daily balance of $1000 is maintained. Tiered interest rate2 pays higher for larger balances. Call CCNB for rate2 (Rate tiers shown on page 6)
FREE unlimited in-branch transactions FREE monthly statements FREE online banking FREE1 mobile banking FREE telephone banking 6 FREE transfers/withdrawals per statement cycle
Minimum opening balance is $50 An interest-bearing account with no maintenance fees* as long as the required minimum daily balance of $250 is maintained. Call CCNB for rate2
FREE unlimited in-branch transactions FREE quarterly statements FREE online banking FREE1 mobile banking FREE telephone banking 6 FREE transfers/withdrawals per statement cycle
Savings account for those under 18 years of age. Converts to classic savings account on 18th birthday. Requires parental or guardian co-owner. No minimum opening balance requirements. No minimum daily balance requirements. Earns interest. Call CCNB for rate2
FREE unlimited in-branch transactions FREE quarterly statements FREE online banking (excludes BillPay service) FREE1 mobile banking FREE telephone banking 6 FREE transfers/withdrawals per statement cycle
All CCNB account owners must be at least 18 years of age unless otherwise noted. *Standard overdraft, stop payment, and wire transfer fees may apply. 1 Message and carrier rates may apply. 2 Rates are subject to change without notice. Fees could reduce earnings.
C a l l U s To l l F re e ( 866) 418-9219
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Business Deposit Accounts IF YOUR CURRENT VISTABANK ACCOUNT IS:
Small Business
Commercial Analysis
Community Checking Business Interest
Business Savings Business Money Market Account
†Service charges waived through Oct. 31, 2016.
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YOUR CCNB ACCOUNT BECOMES:
MONTHLY SERVICE CHARGES
STATEMENT DATES
none*
Statements issued at the end of the month
$15 per month†
Statements issued at the end of the month
Non-Profit Checking
none*
Statements issued at the end of the month
Commercial Money Market
$10 per month only if less than the minimum balance requirement†
Statements issued at the end of the month
Business Advantage Checking
Commercial Advantage Checking
Money Market Rate Tiers: 0-$999.99 $1,000 -$9,999.99 $10,000-$24,999.99 $25,000-$49,999.99 $50,000-$99,999.99 $100,000 and up
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If another account better suits your needs instead of the one into which you are transitioned, please contact your local branch office and a representative will help you review your options. ADDITIONAL ACCOUNT DETAILS
Minimum opening balance is $250 No minimum daily balance.
Minimum opening balance is $500 No minimum daily balance. Analysis account provides earning credits on entire balance which helps offset service charges* Call CCNB for rate2 Per check/other debits paid fee - $0.20 per item ACH debit fee - $0.10 per item Deposits and credits - $0.40 per item Items deposited - $0.08 per item
Minimum opening balance is $250 No minimum daily balance.
Minimum opening balance of $1,000 Minimum daily balance of $1,000 is required Tiered interest rate2 pays higher for larger balances Call CCNB for rate2 (Rate tiers shown on page 8)
YOUR CCNB ACCOUNT FEATURES AND BENEFITS
Our most popular account for small businesses FREE business VISA® debit card and free telephone banking FREE unlimited nationwide ATM transactions FREE1 online banking and BillPay FREE1 secure e-statements with check images Up to 350 free items/transactions per month (after 350, 30¢ per item/transaction).
Perfect for businesses with high volume transactions FREE business VISA® debit card and free telephone banking FREE unlimited nationwide ATM transactions FREE1 online banking and BillPay FREE1 secure e-statements with check images
Interest-bearing checking account perfect for churches, charities and other non-profit organizations FREE business VISA® debit card FREE unlimited nationwide ATM transactions FREE1 online banking and BillPay FREE1 secure e-statements with check images FREE telephone banking Up to 200 free items/transactions per statement cycle (after 200, 30¢ per item/transaction).
FREE1 online banking FREE1 secure e-statements with check images FREE telephone banking 6 FREE transfers/withdrawals per statement cycle
All CCNB account owners must be at least 18 years of age. *Standard overdraft, stop payment, and wire transfer fees may apply. 1 Message and carrier rates may apply. 2 Rates are subject to change without notice. Fees could reduce earnings.
C a l l U s To l l F re e ( 866) 418-9219
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Loans & Lines of Credit Loan Payments
Overdraft Lines of Credit
Your loan payment due dates will
If you currently have an overdraft
not change. If you are currently
line of credit, it will remain in
receiving a loan statement or billing
effect. Any automatic transfer from a
notice, you will continue to receive
line of credit or deposit account that
notices. Payments will be credited
was set up with VistaBank to prevent
on the day received unless the
overdraft, will continue unchanged.
payment is received on a weekend or
Only your statement cycle will change.
holiday; those payments will post the
Billing for your Overdraft Line of
next business day. We will continue to
Credit will now occur 20 days
accept partial payments and apply
ahead of the payment due date
them to your loan. For mortgage loans,
(instead of the current 24 days).
a Notice of a Mortgage Transfer will be sent in a separate mailing.
Home Equity Lines of Credit
The terms and conditions of your loan will not change. If you have questions about your loan, please call a bank representative. Loan Account Numbers
Automatic Drafts If your loan payment is set for an automated draft, please
You may continue to use your Home
update your information with the
Equity Line of Credit (HELOC) checks
originating institution to reflect
to access your Home Equity Line for up
the new routing number.
to one year. Payment due dates will not
(053208309)
change. If your HELOC payment is set for an automated draft, this service will
Electronic Payments
continue uninterrupted with no further
If you’re using a third-party BillPay or
action required.
you pay bills through a similar electronic
HELOC Statements Your HELOC statement cycle is changing. Billing for your HELOC
service, you will need to change your payment instructions to reflect CCNB’s name and bank address (shown below).
will now occur 20 days ahead of
Mailing Your Payments
the payment due date (instead
You may continue to make payments
of the current 24 days). Your first
at your local branch payable to CCNB,
bill after conversion will include
or you can mail your payments to:
Your loan account numbers will
four additional days of interest due
not change. Loans and lines will
to the billing change. Going forward,
transfer without interruption as
subsequent billings will return to
part of our system conversion.
a monthly cycle.
Coastal Carolina National Bank
1012 38th Avenue North, Ste. 100 Myrtle Beach, SC 29577
NEW SERVICE! Thinking about buying a new home? CCNB offers great rates on home mortgages! Visit myCCNB.com today and get moving.
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Additional Services Certificates of Deposits and IRAs
Tax Reporting
The terms and conditions of your
and/or 1098 for the tax year 2016 if
existing Certificate of Deposit (CD)
applicable. Contact your local branch
and/or Individual Retirement
if you have any questions or concerns
Account (IRA) will not change until
regarding your 2016 tax reporting
maturity. Your CD and IRA account
information.
numbers will not change. Please
You will receive one combined 1099
note that VistaBank CDs will
Wire Transfers
not auto-renew at the scheduled
If you currently use the wire transfer
maturity date after conversion.
service through VistaBank, please
We will provide you with a maturity
note new wire instructions will
notice prior to the maturity of your
become effective on Tuesday,
CD and/or IRA. When your CD matures,
October 11. Contact your local
you will have a ten-day grace period to
office for new procedures.
select your term. Your current rate will
Incoming wire transfers will need to
continue during this grace period.
reflect the following information:
Safe Deposit Boxes and Fees If you currently have a safe deposit box with VistaBank, the box will transfer with the system conversion, and your safe deposit box number will not change. However, you will notice a change in
Receiving Bank Name: Coastal Carolina National Bank Receiving Routing #: 053208309 Receiving Bank Address: 1012 38th Avenue North, Ste. 100 Myrtle Beach, SC 29577
3”x 5”............................................ $35 3”x 10”.......................................... $50 5”x 10”...........................................$75 10”x 10”.......................................$125 Safe Deposit Drilling ..................$150 Replacement Key..........................$25 Late fee............................................$5
Telephone Banking Access to VistaBank’s telephone banking system will be disabled as of Friday, October 7 at 5 p.m. Beginning Tuesday, October 11, you will have the ability to use CCNB’s telephone banking service to access your account information. To enroll, call us toll free at
Cash Advance
• Competitive Rates • Fixed Rate Mortgages • Adjustable Rate Mortgages • Construction Loans • Jumbo Mortgage Loans • Visit myCCNB.com today!
Coastal Rewards An interest-bearing checking account
your rental fees upon your next billing. Safe Deposit Box Annual Rental Fees
Mortgage Loans • Online applications
A bank representative will call you to discuss your available options.
Banking with CCNB provides you with new opportunities through an expanded suite of products and services such as:
(866) 928-4713 and follow the prompts. You will be asked to enter
Cash advances will no longer be
your Social Security Number (SSN)
offered. Please contact a bank
or Tax ID number (TIN) to establish
representative if you have questions.
your new PIN.
that rewards you for using it! Coastal Rewards offers competitive rates and many money-saving benefits like unlimited check writing and more!
Mobile Deposit Capture Deposit checks into your personal bank account anytime, anywhere using your smartphone. See page 13 for more.
Positive Pay This automated fraud-detection tool helps businesses deter check fraud before it happens.
Call a CCNB representative today to learn more!
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Electronic Banking IMPORTANT INFORMATION ABOUT ONLINE BANKING SERVICES
Access to online and mobile banking will be unavailable:
5 p.m. on Friday, October 7 through Monday, October 10
E-Statements If you are currently enrolled in e-statement delivery, your enrollment and statement history will become available several weeks after system conversion. For real-time updates and more information, please visit our website at myccnb.com/warm_welcome.
Log in to online banking at myCCNB.com starting Tuesday, October 11, to access your accounts. Online Banking
Our BillPay service will be unavailable beginning Friday, October 7 at 5 p.m. Please finalize, initiate or schedule a payment by 5 p.m. on Friday, October 7. Our BillPay system will become available on Tuesday, October 11. All scheduled bill payments will be delivered as expected. Your BillPay information, including payees and scheduled
Use your current username and password
payments, will automatically transition with the
to access online banking. Starting Tuesday,
system. Upon first log in you will be required to
October 11, you will access your online
accept our terms and conditions before use.
banking information through myCCNB.com.
To log on, visit myCCNB.com and look for this login panel at the top of our website. Use your existing username to log on and follow these instructions.
BillPay Users
Login Instructions
Tokens Business customers will no longer need tokens to
IMPORTANT:
access account information. Instead, we use other
Please use a desktop or laptop computer
methods to secure your account such as MFAs
and access our website at myCCNB.com
(multi-factor authentications). For your protection,
the very first time you log in.
you will be prompted to establish new security
Your first log in should not be performed
questions and answers.
online beginning Tuesday, October 11,
PopMoney
using your current online username and
If you are already using PopMoney, this service will
password. For your protection, you will
continue to be available. However, you will have to
be prompted to establish new security
add your contacts and information to resume this
questions and answers.
service. Account history will not transfer with the
using a handheld device. You may log in
History and Check Images Even though your account history will
system conversion. Record pertinent information before Friday, October 7.
automatically transfer with the system
Quicken®/QuickBooks®
conversion, we encourage you to download
If you use financial software such as
your account history prior to Friday, October 7 at
Quicken® or QuickBooks®, be sure to
5 p.m. to ensure you have copies. Check images
download updated information prior to
will become available several weeks after the
Friday, October 7. You can find helpful
system conversion.
information at myCCNB.com or call a bank representative for assistance.
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Mobile Banking IMPORTANT INFORMATION ABOUT MOBILE BANKING SERVICES
Beginning 5 p.m. Friday, October 7, your VistaBank mobile app will no longer work.
As Mobile As You Are
Download Your New App
CCNB puts many free*, convenient
IMPORTANT: Please use a desktop or
and timesaving banking services
laptop computer and access our website at
like mobile banking at your fingertips.
myCCNB.com the very first time you log in.
Mobile banking provides
Your first log in should not be performed
you with on-the-go account access
using a handheld device. You must first be
anytime, anywhere. Just download
enrolled in online banking before you set
the CCNB app, and agree to the
up mobile banking on your smartphone
terms and conditions. It’s a secure
or hand-held device. Download the
Download CCNB’s
way to view transactions, pay bills,
CCNB Mobile Banking app (available
free* mobile banking
transfer funds, make deposits and
on Apple and Android devices only).
gain better control over your finances.
app beginning Tuesday, October 11
• Make mobile deposits • Balance inquiries
for on-the-go
• View transactions and account history
Once the app is installed, enter your
account access.
• Transfer funds
username and password and follow
• Locate ATMs
the prompts. You will be asked to
• Receive alerts
accept our terms and conditions.
• Pay bills and do much more!
iPhone and iPad are trademarks of Apple, Inc. Android is a trademark of Google, Inc.
NEW SERVICE!
Mobile Deposit Capture. Deposit checks anytime, anywhere from your SmartPhone. Save time and money by depositing checks with your smartphone. It’s safe, simple and secure. Visit myCCNB.com for more. *Carrier data charges may apply.
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Cash Management Services IMPORTANT INFORMATION FOR OUR COMMERCIAL CUSTOMERS
Cash Management
Wire Origination
Services will be
Wire services will be unavailable
unavailable starting
and resume Tuesday, October 11.
Friday, October 7
Merchant Services
beginning at 5 p.m.
Business clients who currently have
through Monday,
VistaBank will continue to process
October 10. ACH Origination
beginning Friday, October 7
their merchant services through
Using a remote deposit capture (RDC) machine provides businesses with the convenience of making check deposits from your place of business. Deposit checks when it’s convenient for you. Contact a bank representative for additional information.
as normal without interruption.
Remote Deposit Capture Remote deposit capture (RED)
ACH services will be unavailable
will be unavailable beginning
beginning Friday, October 7
5 p.m. Friday, October 7. This
and resume Tuesday, October 11.
system will become available again
Prior to conversion weekend, a
on Tuesday, October 11 with no
representative will be contacting
further action required on your part.
you to discuss the transition.
NEW SERVICE! Positive Pay Positive Pay is a fraud-detection tool that proactively helps businesses detect check fraud before it happens. Call your account representative to learn how to add this security feature.
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Card Services YOUR NEW CARDS WILL ARRIVE SOON! VistaBank ATM, Debit, and HSA Cards Beginning Friday, October 7, your VistaBank debit cards, HSA and ATM cards will have
Beginning Tuesday, October 11, your VistaBank debit card and ATM card will no longer work.
reduced spending limits through Monday, October 10. During this time, your VistaBank debit card and/or ATM card can still be used, but with reduced daily limits available. You may access $250 for cash withdrawals and $500 for pin or signature-based transactions. On Tuesday, October 11, your VistaBank debit card and ATM card will be deactivated. ATM cards will no longer be offered. Instead, you can use your new CCNB Visa® debit card to access funds at ATMs nationwide. If you have used your ATM/Debit card to establish automatic debits against your checking account, you’ll need to provide your new card number to the originator of the debit transaction(s).
For your protection, transaction limits will be lowered throughout conversion weekend.
Special Notice: In accordance with federal regulations, customers who have debit cards tied to savings or money market accounts will be subject to Regulation D, which limits the number of debit transactions. These account types can have up to 6 transactions per statement cycle and are subject to fees. Debit card Point of Sale (POS) transactions are included in this 6 per statement cycle limitation. Unlimited in-branch or ATM transactions are allowed. Any customer who exceeds the limit 3 times within a 12 month period will be subject to having their account converted to a non-interest bearing account.
About Your New CCNB Visa® Debit Card and/or HSA Card Enjoy FREE, unlimited ATM transactions nationwide!
You may begin using
Prior to conversion weekend, all active customers will receive a new CCNB Visa® debit card
your new CCNB Visa®
and/or HSA card to use in place of your VistaBank cards. You may begin using your cards on Saturday, October 8. If you have concerns regarding when your debit or HSA card will arrive,
debit card beginning
please call us at (866) 418-9219. Your new CCNB cards will also have the same reduced daily
Saturday, October 8.
October 11, when your VistaBank debit card becomes inactive, your CCNB Visa® debit card
limits: $250 for cash withdrawals and $500 for pin or signature based transactions. On Tuesday, will become fully active and limits will be restored to $500 per day cash withdrawal limit and a $2,000 per day pin or signature-based transaction limit. Upon activation, you may begin using your new CCNB Visa® debit card anywhere Visa® is accepted.
CREDIT CARDS
About Your VistaBank Credit Card VistaBank customers may continue to use your VistaBank credit cards, as you do today. VistaBank credit cards are not affected. All servicing and management of cards issued to VistaBank customers is the responsibility of the card issuer. Contact information for the card issuer can be found on the back of your credit card. Call the number on the back of your card, or contact your local branch if you have questions.
CCNB Credit Cards offer a world of additional benefits, flexibility and purchasing power whenever you need it most! Choose the type of credit card that best suits you and your business. Visit us online at myCCNB.com to learn more. O nline a t M y C C N B. c om
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Schedule of Fees Account Research (per hour)......................................................................................................................$25 Check Cashing for Non-Customers............................................................................................................ $5 Collection Items (per item, foreign and domestic)................................................................................. $25 Copy of Statement (no check images) ........................................................................................................$5 Copy of Statement (with check images)................................................................................................... $10 Counter Check (4 checks).............................................................................................................................$2 Currency/Coin Provided.................................................................................$0.25 per strap/ $0.08 per roll Deposit Item Returned Unpaid....................................................................................................................$5 Dormant Account (monthly fee assessed after two years of inactivity)................................................... $5 Early Account Closeout (within 90 days of opening)............................................................................... $25 Excessive Activity Fee (for savings and money market accounts) ..........................................................$10 Levy or Garnishment...................................................................................................................................$50 Non-Sufficient Funds/Overdraft Fee.........................................................................................................$32 Official Checks Customers...........................................................................................................................$5 Non-Customers .............................................................................................................................$10 Daily Overdraft Fee (per day, after the 4th day) ........................................................................................$5 Monthly Mailed Statement (with check images) Free Checking................................................................................................................................. $3 Business Advantage Checking.......................................................................................................$5 Non-Profit Checking........................................................................................................................$5 Night Deposit Bags Locking Canvas Bag.......................................................................................................................$25 Disposable Bag..........................................................................................................................Varies Safe Deposit Fees .........................................................................................................................See page 5 Stop Payment..............................................................................................................................................$30 Transfer of IRA to another institution....................................................................................................... $25 Verification of Deposit................................................................................................................................$10 VISA® Debit Card................................................................................................................................... FREE VISA® Debit Card Replacement ................................................................................................................ $5 Wire Transfer (incoming/outgoing) Domestic........................................................................................................................................ $15 International.................................................................................................................................. $45 Zipper Bags ...................................................................................................................................................$5
Cash Management Services* (Monthly Fee $10) ACH File Transfer.............................................................................. $10 per file submitted /$0.10 per item Commercial Online for Viewing and Transferring Only..........................................................................Free Courier Service........................................................................................................................................Varies CD Rom Statement..................................................................................................................$35 per month Positive Pay …………………………......………….................................................................. $25 per month Remote Deposit Capture - Commercial Advantage Account.............................................$ 55 per month Equipment cost varies based on type of equipment
Zero Balance Account Feature..................................................................$15 per month per ZBA account *All other standard account charges apply for the specific type of account. Charges for cash management services are applied to the Commercial Advantage account earnings credit calculation, unless otherwise denoted. Wire transfers conducted at any CCNB office will not be applied to the Commercial Advantage Checking earnings credit calculation.Fees and product features are subject to change without notice.
Commercial Advantage Checking Fees
Monthly ...................................................................................................................................................... $15 Per Check/ Other Debits Paid.................................................................................................$0.20 per item ACH Debit.................................................................................................................................$0.10 per item Deposits and Credits................................................................................................................$0.40 per item Items Deposited....................................................................................................................... $0.08 per item Currency Provided................................................................................................................... $0.25 per item Rolled Coin Provided............................................................................................................... $0.08 per item Earning credit may offset checking fees……….....………………………….…………... Variable rate
Business Advantage Checking Fees Per item above combined 350 monthly................................................................................. $0.30 per item
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We Can Do That! Coastal Carolina National Bank is a healthy, hometown community bank focused on helping you prosper and meet your financial goals. We take pride in being an active member of our community, and use our “We Can Do That” spirit everyday to provide you with the finest banking experience possible. CCNB’s banking solutions are designed to give you complete control over your personal and business finances
CCNB is the only local community bank to receive a 5 star rating from BauerFinancial® Inc., every quarter for the past three years in a row. “A consistent 5 star rating is a testament to our team’s “We Can Do That” spirit and our pursuit of excellence.” Laurence S. Bolchoz Jr. President/CEO
while having your convenience in mind. Our many timesaving conveniences let you spend less time banking and more time living. CCNB offers free, unlimited nationwide ATM transactions, competitive rates and a variety of accounts to fit your personal and business lifestyle. Our quality banking products are supported by state-of-the-art technology which puts banking at your fingertips anytime, anywhere. Whether you’re just starting out and need a timely decision on a home mortgage or you’re a business
Important Account Information
looking for a commercial loan, let CCNB’s dedicated team use our “We Can Do That” spirit to help turn your dreams into reality.
Score
C
Welcome Guide
myCCNB.com © 2016 Coastal Carolina Bancshares, Inc. All rights reserved. EQUAL HOUSING
LENDER
Member
FDIC
erocS
We Can Do That!
Important Account Information
Welcome Guide
myCCNB.com © 2016 Coastal Carolina Bancshares, Inc. All rights reserved. EQUAL HOUSING
LENDER
Member
FDIC
erocS
We Can Do That!
Important Account Information
We Can Do That! Coastal Carolina National Bank is a healthy, hometown community bank focused on helping you prosper and meet your financial goals. We take pride in being an active member of our community, and use our “We Can Do That” spirit everyday to provide you with the finest banking experience possible. CCNB’s banking solutions are designed to give you complete control over your personal and business finances
CCNB is the only local community bank to receive a 5 star rating from BauerFinancial® Inc., every quarter for the past three years in a row. “A consistent 5 star rating is a testament to our team’s “We Can Do That” spirit and our pursuit of excellence.” Laurence S. Bolchoz Jr. President/CEO
while having your convenience in mind. Our many timesaving conveniences let you spend less time banking and more time living. CCNB offers free, unlimited nationwide ATM transactions, competitive rates and a variety of accounts to fit your personal and business lifestyle. Our quality banking products are supported by state-of-the-art technology which puts banking at your fingertips anytime, anywhere. Whether you’re just starting out and need a timely decision on a home mortgage or you’re a business looking for a commercial loan, let CCNB’s dedicated team use our “We Can Do That” spirit to help turn your dreams into reality.
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Welcome To CCNB Welcome Friends, On behalf of Coastal Carolina National Bank, it is our pleasure to welcome all VistaBank customers to CCNB. We are pleased to be joining forces with a community bank that shares our continuous pursuit of excellence and our commitment to providing impeccable customer service.
Laurence S. Bolchoz Jr. President/CEO
Beginning Friday, October 7 through Tuesday, October 11, 2016, all VistaBank locations will transition to CCNB pending regulatory approval. Until October 7, please keep banking the way you do today. Rest assured, as a nationally chartered and well-capitalized bank, your accounts will continue to have the protection of FDIC insurance as they do today. In an effort to make this conversion as smooth as possible, this welcome guide contains important information regarding your accounts, and alerts you to possible interruptions in service during the conversion process. We apologize for any inconvenience this might cause and hope you find this advance notice helpful. Please keep this guide handy for future reference. If you still have questions after reviewing this information please call us toll free at (866) 418-9219 or visit one of our convenient locations to speak with a CCNB representative. When you visit our bank’s branches, you’ll see many of the same friendly faces at your local offices you’ve come to know, and hopefully have the chance to meet some new members of our dynamic team. CCNB remains committed to providing you with exceptional customer service, and works hard to earn and maintain your trust. We promise to uphold the high standard of community banking to which you are accustomed. This is a commitment we share and a tradition we’re serious about preserving. As you learn more about us, you’ll find this is not just a merger of two financial institutions. It’s about a blending of strengths, banking conveniences, and service enhancements so that together we can help you, your business, and the communities we serve achieve more. Thank you for allowing CCNB the opportunity to serve you. Our entire team is looking forward to putting our “We Can Do That” spirit to work for you. Welcome to CCNB! Sincerely,
will soon become
Laurence S. Bolchoz Jr. President/CEO P
(Brown= R-136/G-78/B-1 and Blue=R-39/G-37/B-78)
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Table of Contents General Information..................................................................3 • Contact Information • Our Locations • Extended Hours
4 KEY DATES AND FACTS
6-7 PERSONAL BANKING
Key Dates and Conversion Facts...........................................4-5 • What’s happening and when • Services temporarily unavailable • Account numbers and FDIC Insurance Personal Deposit Accounts....................................................6-7 Business Deposit Accounts....................................................8-9 Loans and Lines of Credit ......................................................10 Additional Services ................................................................11 • CDs, IRAs • Telephone Banking • Tax Reporting • Cash Advance • Safe Deposit Boxes • New Opportunities
8-9 BUSINESS BANKING
Electronic Banking Services............................................12-13 • History/Check Images • Online Banking • BillPay • E-Statements • PopMoney • Mobile Banking • Quicken/QuickBooks • Login Instructions • Tokens
12-13 ONLINE & MOBILE BANKING
Cash Management Services.....................................................14 • Remote Deposit Capture • Merchant Services • Wire Origination • ACH Origination Card Services ..........................................................................15 • ATM, HSA and Debit Cards • Credit Cards
14
Schedule of Fees......................................................................16
CASH MANAGEMENT SERVICES
Disclosure Appendix............................Back Cover Inside Pocket Conversion Checklist..........................Back Cover Inside Pocket
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General Information Ways to Connect: CCNB - Main Branch 1012 38th Avenue North, Ste. 100 Myrtle Beach, SC 29577
Phone: (843) 839-2265 Toll Free: (866) 418-9219 Website: myCCNB.com
A message from our Customer Care Team: Our Customer Care Team is ready to assist you to ensure the smoothest transition possible! If you have questions about our locations, extended hours, or want to learn more about the many banking products and services we offer we are here to help. In addition to this guide, we’ve created a special section on our website where we’ll post real-time updates and answer your frequently asked questions so you can stay informed through the transition. Although we’ve made every effort to do most of the work for you, there are some simple adjustments you might need to make. Look for our handy conversion checklist in the back cover pocket of this welcome guide to assist you.
ONLINE: Visit myccnb.com/warm_welcome EMAIL: [email protected] PHONE: Call any location to speak with a team member
Accessing Your Business Accounts
Locations 1
2
3
MYRTLE BEACH
4
5
AIKEN
1012 38th Ave. North, Ste. 100
128 Laurens Street, NW
Myrtle Beach, SC 29577
Aiken, SC 29801
Phone: (843) 839-2265 ▲ ❑
Phone: (803) 644-9550 ▲
GARDEN CITY
5
00-00
1219 Assembly Street, Suite 101
Garden City, SC 29576
Columbia, SC 29201
Phone: (843) 839-3066 ▲ ❑
Phone: (803) 733-2582 6
1
COLUMBIA
2961 Highway 17 South
NORTH MYRTLE BEACH
2
4
3
6
CONWAY
1100 Highway 17 North, Ste. 101
1106 3rd Avenue
North Myrtle Beach, SC 29582
Conway, SC 29526
Phone: (843) 839-3055 ▲ ❑
Phone: (843) 488-2800
00-00
● Our Locations ▲ ATM ❑ Drive-Up Teller Service
Disclosures, Fees and Other Services
Extended Hours HOURS ARE CHANGING FOR THE BETTER
Effective Tuesday, October 11, 2016, our hours will be changing to Monday through Thursday: 8:30 a.m. – 5:00 p.m., Friday: 8:30 a.m. – 5:30 p.m. You may bank when it’s convenient for you using CCNB’s online and mobile banking services. Visit us online at myCCNB.com to learn more.
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Key Dates and Conversion Facts HERE’S WHAT’S HAPPENING AND WHEN
On Tuesday, October 11, 2016 all VistaBank locations will become CCNB
Special Deposit Statement Issued Your last VistaBank statement (and e-statements) will include account activity through Friday, October 7. If you have previously enrolled in e-statements, your enrollment will transfer without interruption as part of our system conversion. Monthly service charges for personal accounts will be waived through November 10, 2016 and monthly service
Some Services Temporarily Unavailable:
October 7-10, 2016
charges for business accounts will be waived through October 31, 2016.
Statement Cycles Your personal banking statement cycles will be changing. Please refer to pages 6-7 for details regarding your new statement cycles.
Merger and Account Conversion At the close of business on Friday,
October 7, all VistaBank loan and
deposit accounts will become corresponding
VistaBank ATM/Debit/HSA Cards Beginning Friday,
October 7 your
VistaBank debit card, ATM and HSA cards
simple, we will automatically move your existing
will have reduced card limits through Monday,
VistaBank account into the most comparable
October 10. On Tuesday, October 11, your
CCNB account. Refer to pages 6-7 (personal
VistaBank debit card, HSA and ATM cards will
banking) and pages 8-9 (business banking)
be deactivated. Refer to page 15 for additional
for account details.
information about your ATM, Debit and HSA
Your personal and business deposit account numbers and loan numbers will not change
cards, and to learn more about your conversion weekend spending limits.
Your New CCNB Debit Cards Prior to conversion, you will receive
and your VistaBank checks will continue to
a CCNB Visa® debit card. You may begin using
be honored for up to one year. We
your new card on Saturday,
encourage you to update direct deposits,
with reduced daily limits. By Tuesday, October
automated drafts, and/or transfers to reflect
11, your new card will be fully active, limits
your new routing number as indicated below.
will be restored, and you can continue to enjoy
Your New Routing Number
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be changing.
CCNB bank accounts. To make this process
Account Numbers, Loan Numbers and Checks
4
Business banking statement cycles will not
October 8,
FREE unlimited transactions nationwide! If you have concerns regarding when your debit
For your reference, CCNB’s routing
card will arrive, please call us at (866) 418-9219.
transit number is 053208309.
Refer to page 15 to learn more.
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FDIC INSURANCE Both VistaBank and CCNB are
ATM/Aiken
Health Savings Accounts (HSA)
FDIC insured institutions. After the
There will be no change to your
merger occurs on October 7, 2016,
there will be an interruption in service at
current health savings account, however
the deposits from VistaBank will be
our Aiken branch ATM. You may withdraw
your HSA debit card will have reduced
combined with the deposits at CCNB.
cash from other ATM locations nationwide
limits during conversion weekend.
If you have accounts at both banks,
using your CCNB Visa® debit card. Service
See page 15 for more information.
your accounts will be separately
Beginning,
Friday, October 7,
will resume on Tuesday, October 11.
Online and Mobile Banking Interruption of Service Access to VistaBank’s online banking will be unavailable beginning 5
p.m.
Friday, October 7. Please log on to
Loan Payments, Terms and Conditions Payment due dates, and the terms and conditions of your loans will not change. Your automatic payments for loans will not change and will
CCNB’s online banking at myCCNB.com
continue without interruption.
starting Tuesday, October 11. Refer to
Refer to page 10 for more details.
pages 12-13 for additional details and important login instructions.
Bill Payment Access to VistaBank’s bill payment system will end Friday,
October 7
Home Equity Lines (HELOC)
insured through the FDIC until at least April 7, 2017 (a grace period of six months after the merger occurring on October 7, 2016). For Certificates of Deposit, FDIC insurance will continue until the maturity date, even if the maturity date falls after the six month grace period. If, after the grace period,
The terms and conditions of your
your deposits are greater than $250,000,
home equity line will not change.
a representative from CCNB will be
Billing for your line of credit will now
happy to meet with you and discuss
occur 20 days ahead of the payment
how you can maximize your
at 5 p.m. Your BillPay information,
due date (instead of the current 24 days).
FDIC insurance coverage.
existing payees and scheduled
Your first bill after conversion will include
payments will transition with the system
four additional days of interest due to the
conversion. Refer to page 12 for
Please visit your local branch
billing change. Refer to page 10 for
more information.
more information.
to speak with a bank representative
Telephone Banking
or concerns.
Access to VistaBank’s telephone
Cash Management Services
banking will be disabled beginning
Cash management services such as
5 p.m. Friday, October 7.
RED (RDC), ACH Origination and Wire
Beginning Tuesday, October 11,
Origination will be unavailable starting
please call our toll-free telephone banking system at (866) 928-4713. Refer to page 11 to learn more.
CDs and IRAs Your Certificate of Deposit and IRA account numbers will not change. Terms and conditions for these accounts
if you have any questions
5 p.m. Friday, October 7 through Monday, October 10. Refer to page 14 for more information.
Looking for more details? Visit myccnb.com/warm_welcome for real-time updates and
will not change until maturity.
additional information as we
Refer to page 11 for additional details.
approach conversion weekend.
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Personal Deposit Accounts IF YOUR CURRENT VISTABANK ACCOUNT IS:
Free Checking Student Checking
Plus 50 Personal Interest
YOUR CCNB ACCOUNT BECOMES:
Free Checking*
MONTHLY SERVICE CHARGES
none*
Personal Money Market
Interest Checking
$10 only if less than the minimum balance requirement†
Statements issued on the 10th of the month
$10 only if less than the minimum balance requirement†
Statements issued on the 10th of the month
Classic Money Market Account
Classic Savings
Minor Savings
Get Started Savings Account
There will be no change to your Health Savings Account, IRAs or CDs. These accounts will automatically transfer with the conversion. See page 11 for more information regarding CDs and IRAs.
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Statements issued on the 10th of the month
none*
Personal Savings
†Service charges waived through Nov. 10, 2016.
Statements issued on the 10th of the month
Prime (Senior Free*) Checking
Founders Checking
Vista Checking
STATEMENT DATES
$3 only if less than the minimum balance requirement†
none*
Money Market Rate Tiers: 0-$999.99 $1,000 -$9,999.99 $10,000-$24,999.99 $25,000-$49,999.99 $50,000-$99,999.99 $100,000 and up
Statements issued quarterly
Statements issued quarterly
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If another account better suits your needs instead of the one into which you are transitioned, please contact your local branch office and a representative will help you review your options.
ADDITIONAL ACCOUNT DETAILS
Minimum opening balance is $50 No minimum daily balance required No maintenence fees*
Minimum opening balance is $50 An interest-bearing checking account for those 50+ with unlimited free check writing and no maintenance fees* Call CCNB for rate2
Minimum opening balance is $50 An interest-bearing checking account with no maintenance fees* as long as the required minimum daily balance of $750 is maintained. Call CCNB for rate2
YOUR CCNB ACCOUNT FEATURES AND BENEFITS
FREE unlimited nationwide ATM transactions FREE1 mobile banking, online banking and BillPay FREE telephone banking FREE unlimited check writing and 1st order of basic checks FREE VISA® debit card
FREE unlimited nationwide ATM transactions FREE1 mobile banking, online banking and BillPay FREE unlimited check writing FREE lifetime order of basic checks FREE VISA® debit card and free telephone banking FREE monthly statements with check images ONE 3”x 5”safe deposit box at half price (subject to availability)
FREE unlimited nationwide ATM transactions FREE1 mobile banking, online banking and BillPay FREE unlimited check writing and 1st order of basic checks FREE VISA® debit card and free telephone banking
Minimum opening balance of $1,000 An interest-bearing account with no maintenance fees* as long as the required minimum daily balance of $1000 is maintained. Tiered interest rate2 pays higher for larger balances. Call CCNB for rate2 (Rate tiers shown on page 6)
FREE unlimited in-branch transactions FREE monthly statements FREE online banking FREE1 mobile banking FREE telephone banking 6 FREE transfers/withdrawals per statement cycle
Minimum opening balance is $50 An interest-bearing account with no maintenance fees* as long as the required minimum daily balance of $250 is maintained. Call CCNB for rate2
FREE unlimited in-branch transactions FREE quarterly statements FREE online banking FREE1 mobile banking FREE telephone banking 6 FREE transfers/withdrawals per statement cycle
Savings account for those under 18 years of age. Converts to classic savings account on 18th birthday. Requires parental or guardian co-owner. No minimum opening balance requirements. No minimum daily balance requirements. Earns interest. Call CCNB for rate2
FREE unlimited in-branch transactions FREE quarterly statements FREE online banking (excludes BillPay service) FREE1 mobile banking FREE telephone banking 6 FREE transfers/withdrawals per statement cycle
All CCNB account owners must be at least 18 years of age unless otherwise noted. *Standard overdraft, stop payment, and wire transfer fees may apply. 1 Message and carrier rates may apply. 2 Rates are subject to change without notice. Fees could reduce earnings.
C a l l U s To l l F re e ( 866) 418-9219
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Business Deposit Accounts IF YOUR CURRENT VISTABANK ACCOUNT IS:
Small Business
Commercial Analysis
Community Checking Business Interest
Business Savings Business Money Market Account
†Service charges waived through Oct. 31, 2016.
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YOUR CCNB ACCOUNT BECOMES:
MONTHLY SERVICE CHARGES
STATEMENT DATES
none*
Statements issued at the end of the month
$15 per month†
Statements issued at the end of the month
Non-Profit Checking
none*
Statements issued at the end of the month
Commercial Money Market
$10 per month only if less than the minimum balance requirement†
Statements issued at the end of the month
Business Advantage Checking
Commercial Advantage Checking
Money Market Rate Tiers: 0-$999.99 $1,000 -$9,999.99 $10,000-$24,999.99 $25,000-$49,999.99 $50,000-$99,999.99 $100,000 and up
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If another account better suits your needs instead of the one into which you are transitioned, please contact your local branch office and a representative will help you review your options. ADDITIONAL ACCOUNT DETAILS
Minimum opening balance is $250 No minimum daily balance.
Minimum opening balance is $500 No minimum daily balance. Analysis account provides earning credits on entire balance which helps offset service charges* Call CCNB for rate2 Per check/other debits paid fee - $0.20 per item ACH debit fee - $0.10 per item Deposits and credits - $0.40 per item Items deposited - $0.08 per item
Minimum opening balance is $250 No minimum daily balance.
Minimum opening balance of $1,000 Minimum daily balance of $1,000 is required Tiered interest rate2 pays higher for larger balances Call CCNB for rate2 (Rate tiers shown on page 8)
YOUR CCNB ACCOUNT FEATURES AND BENEFITS
Our most popular account for small businesses FREE business VISA® debit card and free telephone banking FREE unlimited nationwide ATM transactions FREE1 online banking and BillPay FREE1 secure e-statements with check images Up to 350 free items/transactions per month (after 350, 30¢ per item/transaction).
Perfect for businesses with high volume transactions FREE business VISA® debit card and free telephone banking FREE unlimited nationwide ATM transactions FREE1 online banking and BillPay FREE1 secure e-statements with check images
Interest-bearing checking account perfect for churches, charities and other non-profit organizations FREE business VISA® debit card FREE unlimited nationwide ATM transactions FREE1 online banking and BillPay FREE1 secure e-statements with check images FREE telephone banking Up to 200 free items/transactions per statement cycle (after 200, 30¢ per item/transaction).
FREE1 online banking FREE1 secure e-statements with check images FREE telephone banking 6 FREE transfers/withdrawals per statement cycle
All CCNB account owners must be at least 18 years of age. *Standard overdraft, stop payment, and wire transfer fees may apply. 1 Message and carrier rates may apply. 2 Rates are subject to change without notice. Fees could reduce earnings.
C a l l U s To l l F re e ( 866) 418-9219
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Loans & Lines of Credit Loan Payments
Overdraft Lines of Credit
Your loan payment due dates will
If you currently have an overdraft
not change. If you are currently
line of credit, it will remain in
receiving a loan statement or billing
effect. Any automatic transfer from a
notice, you will continue to receive
line of credit or deposit account that
notices. Payments will be credited
was set up with VistaBank to prevent
on the day received unless the
overdraft, will continue unchanged.
payment is received on a weekend or
Only your statement cycle will change.
holiday; those payments will post the
Billing for your Overdraft Line of
next business day. We will continue to
Credit will now occur 20 days
accept partial payments and apply
ahead of the payment due date
them to your loan. For mortgage loans,
(instead of the current 24 days).
a Notice of a Mortgage Transfer will be sent in a separate mailing.
Home Equity Lines of Credit
The terms and conditions of your loan will not change. If you have questions about your loan, please call a bank representative. Loan Account Numbers
Automatic Drafts If your loan payment is set for an automated draft, please
You may continue to use your Home
update your information with the
Equity Line of Credit (HELOC) checks
originating institution to reflect
to access your Home Equity Line for up
the new routing number.
to one year. Payment due dates will not
(053208309)
change. If your HELOC payment is set for an automated draft, this service will
Electronic Payments
continue uninterrupted with no further
If you’re using a third-party BillPay or
action required.
you pay bills through a similar electronic
HELOC Statements Your HELOC statement cycle is changing. Billing for your HELOC
service, you will need to change your payment instructions to reflect CCNB’s name and bank address (shown below).
will now occur 20 days ahead of
Mailing Your Payments
the payment due date (instead
You may continue to make payments
of the current 24 days). Your first
at your local branch payable to CCNB,
bill after conversion will include
or you can mail your payments to:
Your loan account numbers will
four additional days of interest due
not change. Loans and lines will
to the billing change. Going forward,
transfer without interruption as
subsequent billings will return to
part of our system conversion.
a monthly cycle.
Coastal Carolina National Bank
1012 38th Avenue North, Ste. 100 Myrtle Beach, SC 29577
NEW SERVICE! Thinking about buying a new home? CCNB offers great rates on home mortgages! Visit myCCNB.com today and get moving.
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Additional Services Certificates of Deposits and IRAs
Tax Reporting
The terms and conditions of your
and/or 1098 for the tax year 2016 if
existing Certificate of Deposit (CD)
applicable. Contact your local branch
and/or Individual Retirement
if you have any questions or concerns
Account (IRA) will not change until
regarding your 2016 tax reporting
maturity. Your CD and IRA account
information.
numbers will not change. Please
You will receive one combined 1099
note that VistaBank CDs will
Wire Transfers
not auto-renew at the scheduled
If you currently use the wire transfer
maturity date after conversion.
service through VistaBank, please
We will provide you with a maturity
note new wire instructions will
notice prior to the maturity of your
become effective on Tuesday,
CD and/or IRA. When your CD matures,
October 11. Contact your local
you will have a ten-day grace period to
office for new procedures.
select your term. Your current rate will
Incoming wire transfers will need to
continue during this grace period.
reflect the following information:
Safe Deposit Boxes and Fees If you currently have a safe deposit box with VistaBank, the box will transfer with the system conversion, and your safe deposit box number will not change. However, you will notice a change in
Receiving Bank Name: Coastal Carolina National Bank Receiving Routing #: 053208309 Receiving Bank Address: 1012 38th Avenue North, Ste. 100 Myrtle Beach, SC 29577
3”x 5”............................................ $35 3”x 10”.......................................... $50 5”x 10”...........................................$75 10”x 10”.......................................$125 Safe Deposit Drilling ..................$150 Replacement Key..........................$25 Late fee............................................$5
Telephone Banking Access to VistaBank’s telephone banking system will be disabled as of Friday, October 7 at 5 p.m. Beginning Tuesday, October 11, you will have the ability to use CCNB’s telephone banking service to access your account information. To enroll, call us toll free at
Cash Advance
• Competitive Rates • Fixed Rate Mortgages • Adjustable Rate Mortgages • Construction Loans • Jumbo Mortgage Loans • Visit myCCNB.com today!
Coastal Rewards An interest-bearing checking account
your rental fees upon your next billing. Safe Deposit Box Annual Rental Fees
Mortgage Loans • Online applications
A bank representative will call you to discuss your available options.
Banking with CCNB provides you with new opportunities through an expanded suite of products and services such as:
(866) 928-4713 and follow the prompts. You will be asked to enter
Cash advances will no longer be
your Social Security Number (SSN)
offered. Please contact a bank
or Tax ID number (TIN) to establish
representative if you have questions.
your new PIN.
that rewards you for using it! Coastal Rewards offers competitive rates and many money-saving benefits like unlimited check writing and more!
Mobile Deposit Capture Deposit checks into your personal bank account anytime, anywhere using your smartphone. See page 13 for more.
Positive Pay This automated fraud-detection tool helps businesses deter check fraud before it happens.
Call a CCNB representative today to learn more!
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Electronic Banking IMPORTANT INFORMATION ABOUT ONLINE BANKING SERVICES
Access to online and mobile banking will be unavailable:
5 p.m. on Friday, October 7 through Monday, October 10
E-Statements If you are currently enrolled in e-statement delivery, your enrollment and statement history will become available several weeks after system conversion. For real-time updates and more information, please visit our website at myccnb.com/warm_welcome.
Log in to online banking at myCCNB.com starting Tuesday, October 11, to access your accounts. Online Banking
Our BillPay service will be unavailable beginning Friday, October 7 at 5 p.m. Please finalize, initiate or schedule a payment by 5 p.m. on Friday, October 7. Our BillPay system will become available on Tuesday, October 11. All scheduled bill payments will be delivered as expected. Your BillPay information, including payees and scheduled
Use your current username and password
payments, will automatically transition with the
to access online banking. Starting Tuesday,
system. Upon first log in you will be required to
October 11, you will access your online
accept our terms and conditions before use.
banking information through myCCNB.com.
To log on, visit myCCNB.com and look for this login panel at the top of our website. Use your existing username to log on and follow these instructions.
BillPay Users
Login Instructions
Tokens Business customers will no longer need tokens to
IMPORTANT:
access account information. Instead, we use other
Please use a desktop or laptop computer
methods to secure your account such as MFAs
and access our website at myCCNB.com
(multi-factor authentications). For your protection,
the very first time you log in.
you will be prompted to establish new security
Your first log in should not be performed
questions and answers.
online beginning Tuesday, October 11,
PopMoney
using your current online username and
If you are already using PopMoney, this service will
password. For your protection, you will
continue to be available. However, you will have to
be prompted to establish new security
add your contacts and information to resume this
questions and answers.
service. Account history will not transfer with the
using a handheld device. You may log in
History and Check Images Even though your account history will
system conversion. Record pertinent information before Friday, October 7.
automatically transfer with the system
Quicken®/QuickBooks®
conversion, we encourage you to download
If you use financial software such as
your account history prior to Friday, October 7 at
Quicken® or QuickBooks®, be sure to
5 p.m. to ensure you have copies. Check images
download updated information prior to
will become available several weeks after the
Friday, October 7. You can find helpful
system conversion.
information at myCCNB.com or call a bank representative for assistance.
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Mobile Banking IMPORTANT INFORMATION ABOUT MOBILE BANKING SERVICES
Beginning 5 p.m. Friday, October 7, your VistaBank mobile app will no longer work.
As Mobile As You Are
Download Your New App
CCNB puts many free*, convenient
IMPORTANT: Please use a desktop or
and timesaving banking services
laptop computer and access our website at
like mobile banking at your fingertips.
myCCNB.com the very first time you log in.
Mobile banking provides
Your first log in should not be performed
you with on-the-go account access
using a handheld device. You must first be
anytime, anywhere. Just download
enrolled in online banking before you set
the CCNB app, and agree to the
up mobile banking on your smartphone
terms and conditions. It’s a secure
or hand-held device. Download the
Download CCNB’s
way to view transactions, pay bills,
CCNB Mobile Banking app (available
free* mobile banking
transfer funds, make deposits and
on Apple and Android devices only).
gain better control over your finances.
app beginning Tuesday, October 11
• Make mobile deposits • Balance inquiries
for on-the-go
• View transactions and account history
Once the app is installed, enter your
account access.
• Transfer funds
username and password and follow
• Locate ATMs
the prompts. You will be asked to
• Receive alerts
accept our terms and conditions.
• Pay bills and do much more!
iPhone and iPad are trademarks of Apple, Inc. Android is a trademark of Google, Inc.
NEW SERVICE!
Mobile Deposit Capture. Deposit checks anytime, anywhere from your SmartPhone. Save time and money by depositing checks with your smartphone. It’s safe, simple and secure. Visit myCCNB.com for more. *Carrier data charges may apply.
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Cash Management Services IMPORTANT INFORMATION FOR OUR COMMERCIAL CUSTOMERS
Cash Management
Wire Origination
Services will be
Wire services will be unavailable
unavailable starting
and resume Tuesday, October 11.
Friday, October 7
Merchant Services
beginning at 5 p.m.
Business clients who currently have
through Monday,
VistaBank will continue to process
October 10. ACH Origination
beginning Friday, October 7
their merchant services through
Using a remote deposit capture (RDC) machine provides businesses with the convenience of making check deposits from your place of business. Deposit checks when it’s convenient for you. Contact a bank representative for additional information.
as normal without interruption.
Remote Deposit Capture Remote deposit capture (RED)
ACH services will be unavailable
will be unavailable beginning
beginning Friday, October 7
5 p.m. Friday, October 7. This
and resume Tuesday, October 11.
system will become available again
Prior to conversion weekend, a
on Tuesday, October 11 with no
representative will be contacting
further action required on your part.
you to discuss the transition.
NEW SERVICE! Positive Pay Positive Pay is a fraud-detection tool that proactively helps businesses detect check fraud before it happens. Call your account representative to learn how to add this security feature.
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Card Services YOUR NEW CARDS WILL ARRIVE SOON! VistaBank ATM, Debit, and HSA Cards Beginning Friday, October 7, your VistaBank debit cards, HSA and ATM cards will have
Beginning Tuesday, October 11, your VistaBank debit card and ATM card will no longer work.
reduced spending limits through Monday, October 10. During this time, your VistaBank debit card and/or ATM card can still be used, but with reduced daily limits available. You may access $250 for cash withdrawals and $500 for pin or signature-based transactions. On Tuesday, October 11, your VistaBank debit card and ATM card will be deactivated. ATM cards will no longer be offered. Instead, you can use your new CCNB Visa® debit card to access funds at ATMs nationwide. If you have used your ATM/Debit card to establish automatic debits against your checking account, you’ll need to provide your new card number to the originator of the debit transaction(s).
For your protection, transaction limits will be lowered throughout conversion weekend.
Special Notice: In accordance with federal regulations, customers who have debit cards tied to savings or money market accounts will be subject to Regulation D, which limits the number of debit transactions. These account types can have up to 6 transactions per statement cycle and are subject to fees. Debit card Point of Sale (POS) transactions are included in this 6 per statement cycle limitation. Unlimited in-branch or ATM transactions are allowed. Any customer who exceeds the limit 3 times within a 12 month period will be subject to having their account converted to a non-interest bearing account.
About Your New CCNB Visa® Debit Card and/or HSA Card Enjoy FREE, unlimited ATM transactions nationwide!
You may begin using
Prior to conversion weekend, all active customers will receive a new CCNB Visa® debit card
your new CCNB Visa®
and/or HSA card to use in place of your VistaBank cards. You may begin using your cards on Saturday, October 8. If you have concerns regarding when your debit or HSA card will arrive,
debit card beginning
please call us at (866) 418-9219. Your new CCNB cards will also have the same reduced daily
Saturday, October 8.
October 11, when your VistaBank debit card becomes inactive, your CCNB Visa® debit card
limits: $250 for cash withdrawals and $500 for pin or signature based transactions. On Tuesday, will become fully active and limits will be restored to $500 per day cash withdrawal limit and a $2,000 per day pin or signature-based transaction limit. Upon activation, you may begin using your new CCNB Visa® debit card anywhere Visa® is accepted.
CREDIT CARDS
About Your VistaBank Credit Card VistaBank customers may continue to use your VistaBank credit cards, as you do today. VistaBank credit cards are not affected. All servicing and management of cards issued to VistaBank customers is the responsibility of the card issuer. Contact information for the card issuer can be found on the back of your credit card. Call the number on the back of your card, or contact your local branch if you have questions.
CCNB Credit Cards offer a world of additional benefits, flexibility and purchasing power whenever you need it most! Choose the type of credit card that best suits you and your business. Visit us online at myCCNB.com to learn more. O nline a t M y C C N B. c om
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Schedule of Fees Account Research (per hour)......................................................................................................................$25 Check Cashing for Non-Customers............................................................................................................ $5 Collection Items (per item, foreign and domestic)................................................................................. $25 Copy of Statement (no check images) ........................................................................................................$5 Copy of Statement (with check images)................................................................................................... $10 Counter Check (4 checks).............................................................................................................................$2 Currency/Coin Provided.................................................................................$0.25 per strap/ $0.08 per roll Deposit Item Returned Unpaid....................................................................................................................$5 Dormant Account (monthly fee assessed after two years of inactivity)................................................... $5 Early Account Closeout (within 90 days of opening)............................................................................... $25 Excessive Activity Fee (for savings and money market accounts) ..........................................................$10 Levy or Garnishment...................................................................................................................................$50 Non-Sufficient Funds/Overdraft Fee.........................................................................................................$32 Official Checks Customers...........................................................................................................................$5 Non-Customers .............................................................................................................................$10 Daily Overdraft Fee (per day, after the 4th day) ........................................................................................$5 Monthly Mailed Statement (with check images) Free Checking................................................................................................................................. $3 Business Advantage Checking.......................................................................................................$5 Non-Profit Checking........................................................................................................................$5 Night Deposit Bags Locking Canvas Bag.......................................................................................................................$25 Disposable Bag..........................................................................................................................Varies Safe Deposit Fees .........................................................................................................................See page 5 Stop Payment..............................................................................................................................................$30 Transfer of IRA to another institution....................................................................................................... $25 Verification of Deposit................................................................................................................................$10 VISA® Debit Card................................................................................................................................... FREE VISA® Debit Card Replacement ................................................................................................................ $5 Wire Transfer (incoming/outgoing) Domestic........................................................................................................................................ $15 International.................................................................................................................................. $45 Zipper Bags ...................................................................................................................................................$5
Cash Management Services* (Monthly Fee $10) ACH File Transfer.............................................................................. $10 per file submitted /$0.10 per item Commercial Online for Viewing and Transferring Only..........................................................................Free Courier Service........................................................................................................................................Varies CD Rom Statement..................................................................................................................$35 per month Positive Pay …………………………......………….................................................................. $25 per month Remote Deposit Capture - Commercial Advantage Account.............................................$ 55 per month Equipment cost varies based on type of equipment
Zero Balance Account Feature..................................................................$15 per month per ZBA account *All other standard account charges apply for the specific type of account. Charges for cash management services are applied to the Commercial Advantage account earnings credit calculation, unless otherwise denoted. Wire transfers conducted at any CCNB office will not be applied to the Commercial Advantage Checking earnings credit calculation.Fees and product features are subject to change without notice.
Commercial Advantage Checking Fees
Monthly ...................................................................................................................................................... $15 Per Check/ Other Debits Paid.................................................................................................$0.20 per item ACH Debit.................................................................................................................................$0.10 per item Deposits and Credits................................................................................................................$0.40 per item Items Deposited....................................................................................................................... $0.08 per item Currency Provided................................................................................................................... $0.25 per item Rolled Coin Provided............................................................................................................... $0.08 per item Earning credit may offset checking fees……….....………………………….…………... Variable rate
Business Advantage Checking Fees Per item above combined 350 monthly................................................................................. $0.30 per item
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We Can Do That! Coastal Carolina National Bank is a healthy, hometown community bank focused on helping you prosper and meet your financial goals. We take pride in being an active member of our community, and use our “We Can Do That” spirit everyday to provide you with the finest banking experience possible. CCNB’s banking solutions are designed to give you complete control over your personal and business finances
CCNB is the only local community bank to receive a 5 star rating from BauerFinancial® Inc., every quarter for the past three years in a row. “A consistent 5 star rating is a testament to our team’s “We Can Do That” spirit and our pursuit of excellence.” Laurence S. Bolchoz Jr. President/CEO
while having your convenience in mind. Our many timesaving conveniences let you spend less time banking and more time living. CCNB offers free, unlimited nationwide ATM transactions, competitive rates and a variety of accounts to fit your personal and business lifestyle. Our quality banking products are supported by state-of-the-art technology which puts banking at your fingertips anytime, anywhere. Whether you’re just starting out and need a timely decision on a home mortgage or you’re a business
Important Account Information
looking for a commercial loan, let CCNB’s dedicated team use our “We Can Do That” spirit to help turn your dreams into reality.
Score
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Welcome Guide
myCCNB.com © 2016 Coastal Carolina Bancshares, Inc. All rights reserved. EQUAL HOUSING
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We Can Do That!
Important Account Information
