ARE HAPPENING FOR YOU - Banking Resource Guide Your guide to expanded personal banking opportunities - Morrill & Janes Bank
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Contents TRANSITION HIGHLIGHTS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .02 CUSTOMER CARE CENTER HOURS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .03 ACCOUNT SERVICES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .04 Personal Accounts (Account Conversion Table). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 04 Activity Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 04 Routing and Transit Number . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 05 Overdraft Privilege . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 05 Posting Order. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 05 FDIC Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 05 CARD SERVICES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .06 Debit/ATM . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 06 Activating and Using your new VISA® Debit Card. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 06 How you can Ensure a Smooth Transition . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 06 Limits on Your VISA® Debit Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 06 Expiration of your Mastercard Debit Card. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 06 Inactive Debit Cards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 07 ATM Network and Locations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 07 Mobile Wallet . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 07 NEW! Credit Cards. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 07 ELECTRONIC BANKING . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .08 Accessing Online Banking. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 08 How Do I Access My Online Banking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 08 Online Bill Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 09 eStatements. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 09 Account Transfers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 09 Mobile Banking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 09 Mobile Check Deposit. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Text Banking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 eAlerts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Pay A Person Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Customer Resources. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Telephone Banking. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 LOANS AND CREDIT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 Consumer Loans and Lines of Credit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 DEPOSIT AND PAYMENT DEADLINES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12 WIRE TRANSFERS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12 Domestic Incoming Wires . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 International Incoming Wires . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 BANK OF BLUE VALLEY ONLINE BANKING LOG IN. . . . . . . . . . . . . . . . . . . .13-14 FORMER BANK OF BLUE VALLEY TRANSACTION HISTORY DOWNLOAD . . . . .15 LOCATIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16 ABOUT HEARTLAND FINANCIAL USA, INC. . . . . . . . . . . . . . . . . . . . . . . . . . . . .17 THANK YOU . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18 1 Your guide to expanded personal banking opportunities with Bank of Blue Valley
TRANSITION HIGHLIGHTS Important! PRIOR TO FRIDAY, AUGUST 23, 2019 ▶ Bank of Blue Valley Bill Pay will be disabled on Friday, August 23, 2019. All payments need to be scheduled prior to this date to ensure bills are paid. The systems ▶ Bank of Blue Valley mobile applications (apps) will be unavailable beginning conversion is Thursday, August 22, 2019. ▶ eBills will be deactivated as of Friday, August 23, 2019. To continue using this expected to begin at service, you may re-establish eBills on or after Monday, August 26, 2019. 2:00 p.m. on Friday, ▶ Confirm or update your phone number before Monday, August 19, 2019 by completing the form in Online Banking. August 23, 2019, and end at 8:00 a.m. on PREPARE FOR FRIDAY, AUGUST 23, 2019 ▶ The current Bank of Blue Valley Online Banking system will go offline and transition Monday, August 26, to read only beginning at 2:00 p.m. on Friday, August 23, 2019. You will have access to the site for viewing and downloading, however, you will not be able to 2019. To the left, please transfer funds or access other features going forward. Please utilize the new Bank of Blue Valley Online Banking for these features. Much of your Bank of Blue Valley find a checklist of account transaction history will NOT convert to the new Online Banking system. It essential items that is strongly recommended that you download account transaction details prior to Friday, August 23, 2019. Detailed instructions for downloading transaction history require your attention are available on page 15 of this guide. prior to and ON MONDAY, AUGUST 26, 2019 immediately following ▶ All branches will be open for regular hours. Please refer to page 16 for specific location hours. the conversion. ▶ Provide updated wire transfer instructions to anyone who sends you wire transfers. See page 12 for more information. ON OR AFTER MONDAY, AUGUST 26, 2019 Please note: all times ▶ Log in to Bank of Blue Valley’s new Online Banking system any time after 8:00 a.m. in this guide are listed on Monday, August 26, 2019, at BankBV.com. Detailed instructions can be found on pages 13 and 14 of this guide. in Central Daylight ▶ Download the Bank of Blue Valley Mobile Banking application. Time. ▶ You may resume using Bill Pay on Monday August 26, 2019, in your new Bank of Blue Valley Online Banking System. Review your Online Banking Bill Pay payments and payees for accuracy. ▶ Re-establish any email or text alerts. IMPORTANT NOTICE: uCHOOSE REWARDS Redeem your uChoose ▶ uChoose Rewards redemptions can only be made Rewards points prior through August 23, 2019 in order to prepare for to Friday, August, 23, upcoming changes. Please make note to redeem your points on or before Friday, August 23, 2019. Any points 2019. remaining after August 23, 2019 will be forfeited. Need Assistance? Call our Customer Care Center at 877.280.1862 2
Need Assistance? Our Customer Care Center team members are available: Monday – Friday 7:00 a.m. – 8:00 p.m. CT Saturday 8:00 a.m. – 2:00 p.m. CT Call 877.280.1862 3 Your guide to expanded personal banking opportunities with Bank of Blue Valley
ACCOUNT SERVICES Important! HOW YOUR ACCOUNT(S) WILL CONVERT TO THE NEW BANK OF BLUE VALLEY PRODUCT OFFERING… We’re doing everything possible to ensure a ACCOUNT CONVERSION TABLE seamless transition. To converts EXISTING PRODUCT to NEW PRODUCT the left is a simple chart to help you understand CHECKING ACCOUNTS how your current Elite Checking ▶ Cash Rewards Checking (167) personal account(s) will Regular Checking convert, effective Smart Checking ▶ Free Checking with eStatement (117) Status Checking Monday, August 26, Classic Checking ▶ Elite Checking (134) 2019. Complete information regarding SAVINGS ACCOUNTS the new account terms Classic Savings Little Ducks and fees may be found Transactional Personal Savings Senior Savings ▶ Regular Statement Savings (510) in the Deposit Account Student Savings Agreement and Prime Savings Personal CA$H Savings Disclosure booklet included with this MONEY MARKET ACCOUNTS mailing. Blue Valley Investment Account Prime Parking Personal ▶ Regular Money Market (177) ACTIVITY STATEMENTS You will receive a special activity statement on all Bank of Blue Valley checking and savings accounts. These activity statements will be mailed to customers the week of Monday, August 26, 2019, regardless of your regular statement date. eStatement customers will receive an email letting them know that this statement is available to view online. Statements will include transactions posted through Friday, August 23, 2019. ▶ At the time of this special statement, interest will be credited to your account. Due to the account change-over, any monthly account maintenance fees will be waived for this special statement which runs through Friday, August 23, 2019, and the first new statement you receive after the systems change. Other customer- initiated charges such as non-sufficient funds charges (NSF), wire transfer fees, stop payment fees, etc., will be charged per the fee schedule enclosed. 4 Need Assistance? Call our Customer Care Center at 877.280.1862 4
▶ If you are currently enrolled in eStatements, this service OVERDRAFT PRIVILEGE will automatically convert. ▶ Overdraft Privilege1 (ODP), is a valuable discretionary ▶ eStatements from August 23, 2019 and prior will be available service that Bank of Blue Valley will provide on personal utilizing legacy Bank of Blue Valley online banking system. checking accounts, beginning on Monday, August 26, 2019. Bank of Blue Valley’s Overdraft Privilege provides a “safety ▶ If you currently receive check images of paid checks with net” depending on the type of checking account you your statements, this service will continue at no cost. have. Overdraft Privilege covers checks, ACH (Automated Beginning Monday, August 26, 2019, images of items Clearing House) and other electronic withdrawals such as posting to your account will be available through the new ATM (Automated Teller Machine) and everyday debit card Bank of Blue Valley Online Banking System. transactions. ▶ Closely review your new Bank of Blue Valley statement. If ▶ Please see the account disclosures provided in the you have any questions or need additional information, Deposit Account Agreement and Disclosure booklet for please contact the Customer Care Center at 877.280.1862. the Overdraft Privilege limit available on your personal checking account. Your existing ODP opt-in preference will remain the same. If you wish to opt out of the ODP service NEW ROUTING AND TRANSIT NUMBER in its entirety, or the payment of ATM and everyday debit Beginning Monday, August 26, 2019, your new routing and card transactions only, please see your Banker. transit number is 101101950. POSTING ORDER Existing Checks Continue to use your existing Bank of Blue Valley checks and Transactions will post to your account in the following deposit tickets until depleted, unless you are specifically order: notified otherwise. ▶ Deposits and other credits When ordered through Bank of Blue Valley, new check ▶ ATM transactions orders will be updated automatically with the new routing ▶ Debit Card transactions (posted according to the time the and transit number. If ordered from an outside vendor, final authorization was processed) please provide the updated routing number: 101101950 to ▶ Wire transfer your vendor. ▶ ACH items Account Numbers ▶ On-us Checks presented for cash payment – posted in numerical order from lowest check number to highest In most cases, account numbers for checking accounts, savings accounts and CDs will remain the same. We will ▶ Checks – posted in numerical order from lowest check notify you in a separate communication if your account number to highest number changes. FDIC COVERAGE Electronic Deposits and Payments If you have accounts at both the former Morrill & Janes Bank Your direct deposits and automatic payments will continue and Bank of Blue Valley, your accounts will be separately uninterrupted. Afer Friday, August 23, 2019, it is best to insured through the FDIC until Sunday, November 10, 2019 update any new deposits and automatic payments with (grace period). For Certificates of Deposit, FDIC insurance will the new Bank of Blue Valley routing number. Additionally, continue until the maturity date, even if the maturity date you may be contacted by vendors with whom you have comes afer the grace period. If your CD matures during the an existing automatic payment setup or direct deposit to grace period and you roll it over for the same term and dollar confirm the routing number change. amount, it will be insured separately until the new maturity Wire payment instructions will also change beginning date. If afer the grace period, your deposits are greater Monday, August 26, 2019. Details are provided in the Wire than $250,000, a bank representative will be happy to meet Transfer Payments section on page 12 of this guide. with you to discuss how to maximize your FDIC insurance coverage. 1 Overdraft and Returned Item Fee is $35. Fees apply to transactions created by check, in-person withdrawal, ATM withdrawal, or other electronic means. If you opt-in to overdraft coverage, we will charge an overdraft fee on ATM and everyday card transactions. The total of the discretionary overdraft privilege (negative) balance, including any and all bank fees and charges, and interest charges are due and payable upon demand. Approval of payment of overdrafts by the bank on consumer accounts in good standing is only a discretionary courtesy, and not a right or obligation. 5 Your guide to expanded personal banking opportunities with Bank of Blue Valley
CARD SERVICES DEBIT/ATM CARDS You will receive a new Bank of Blue Valley VISA® Debit Card prior to the systems conversion. The card will have a new number. ACTIVATING AND USING YOUR NEW VISA® DEBIT CARD Your new VISA® Debit Card Consumer Debit Card should arrive by Thursday, August 22, 2019. Upon receipt, please keep this card in a secure place and do not attempt to use it until you have activated it ON OR AFTER Friday, August 23, 2019. Your new card can be activated by calling the telephone number included with your card. Health Savings Account Debit Card ON OR AFTER Friday, August 23, 2019, you can change your PIN number by calling the telephone number included with your card. HOW YOU CAN ENSURE A SMOOTH VISA® DEBIT CARD TRANSITION You will need to provide your new Bank of Blue Valley Debit Card number and expiration date to any merchant where your existing debit card is utilized for automatic or recurring charges, such as a utility or insurance payment, for any payments to be made afer Friday, August 23, 2019. LIMITS ON YOUR VISA®DEBIT CARD Beginning at the close of business on Friday, August 23, 2019, the daily limits of your new VISA® Debit Card will be $2,500 for point of sale (POS) and $500 for ATM cash withdrawals. If you have a limit that is diferent than this, we will notify you. Please work with your personal banker afer Monday, August 26, 2019, to discuss any necessary changes to your card limits. EXPIRATION OF YOUR MASTERCARD DEBIT CARD Your current Bank of Blue Valley Mastercard Debit Card will expire at 12:00 a.m. on Friday, August 23, 2019. It is recommended that you destroy your old Bank of Blue Prairie Fire Valley card(s) at that time. At the same time, you can activate and begin using your and Museum new Bank of Blue Valley VISA® Debit Card. Overland Park Need Assistance? Call our Customer Care Center at 877.280.1862 6
Clock Tower Overland Park INACTIVE DEBIT CARDS Bank of Blue Valley Mastercard Debit Cards that have not been used within the past 12 months will no longer work afer 12:00 a.m. on Friday, August 23, 2019. In addition, these inactive cards will not be replaced at conversion or when they expire. If you do not receive a new Bank of Blue Valley VISA® Debit Card and would like to have one, please contact the Customer Care Center at 877.280.1862 or visit your local branch ON OR AFTER Friday, August 23, 2019. Please use your debit card at least once each year to keep the card active in the system. ATM NETWORK AND LOCATIONS Bank of Blue Valley will now partner with Allpoint®. This means that Bank of Blue Valley customers can use their personal or business VISA® Debit Card at any Allpoint® ATM or Bank of Blue Valley location without being charged a fee. Afer the initial activation, you may use your new VISA® Debit Card at any Bank of Blue Valley Network ATM location without incurring a surcharge. Allpoint provides you service charge free ATMs that you may use when you are not near a BBV location. Allpoint ATM locations can be found at http://www. allpointnetwork.com/locator.aspx or download their mobile app. MOBILE WALLET APPLE PAY® | SAMSUNG PAY™ | GOOGLE PAY™ Bank of Blue Valley will continue to ofer Apple Pay®, Samsung Pay™ and Google Pay™ as a viable resources for your debit card usage. You will be required to re-enroll your new VISA® Debit Card. NEW! CREDIT CARDS The VISA® Cash Back Rewards Credit Card from Bank of Blue Valley features: ▶ 0% APR for 12 months1 on purchases and balance transfers ▶ No annual fee1 ▶ Rewards every time you shop To apply for the Bank of Blue Valley VISA® Credit Card, call or visit your local banking center. Please note that all applications are subject to credit approval. 1 0% Introductory Annual Percentage Rate (APR) offer valid for first 12 billing cycles upon opening Cash Back Rewards credit card, then reverts to standard APR thereafter. APR will vary after the introductory period with the market based on Prime Rate. Transactional fees include: Cash Advance, the greater of $5.00 or 3% of the amount of each Cash Advance Transaction, Convenience Check, the greater of $5.00 or 3% of each Convenience Check you write; Balance Transfer, the greater of $5.00 or 3% of each Balance Transfer; an International Transaction Fee of 3% of each transaction in US dollars. Variable purchase and balance transfer transactions APR is 15.00% after the introductory APR. Variable cash advance and convenience check transaction APR is 25.00%. APRs and Fees are accurate as 7.19.2019. Normal underwriting guidelines apply. Credit Cards are issued and serviced by New Mexico Bank & Trust d/b/a HTLF Card Services. 7 Your guide to expanded personal banking opportunities with Bank of Blue Valley
ELECTRONIC BANKING Important! ACCESSING ONLINE BANKING Bank of Blue Valley’s Online Banking provides you with enhanced and innovative features. We are committed to delivering a richer online experience ACTION REQUIRED. with more flexibility, security and control. In preparation for the transition to the new online banking system, it is necessary to have an updated phone Please take these steps number for our records to verify your identity when logging in. prior to Monday, Please log in to Online Banking and complete the form to confirm/verify your phone number by Monday, August 19, 2019. August 19, 2019, to On Monday, August 26, 2019, when you log in to Online Banking you will be ensure you can access asked to select either your home or mobile phone number. A verification code will immediately be sent to your phone via voice call or text message. Online Banking. This code is required to complete the log in process. We apologize for any inconvenience this may cause, and we appreciate your time and patience during this transition. eAlerts will not convert ▶ If you have bookmarked your previous Online Banking log in page, please delete it before Monday, August 26, 2019. from the current Bank of Blue Valley Online Online check images and eStatements prior to Friday August 23, 2019, may not be immediately available in the new Bank of Blue Valley Online Banking. If you Banking system. You require a copy of an online eStatement or check image for activity prior to Friday, will need to set up this August 23, 2019, please log in to the former Bank of Blue Valley Online Banking system via the Bank of Blue Valley website. This information will be accessible feature in the new until Friday, October 31, 2019. Online Banking after HOW DO I ACCESS MY ONLINE BANKING? you have logged in. You will be able to log in to Bank of Blue Valley’s new Online Banking any time afer 8:00 a.m. on Monday, August 26, 2019. 1. Go to BankBV.com and use the log in box located on the home page. 2. Enter your current Bank of Blue Valley username, which is case-sensitive. 3. Enter your new temporary password: Last four (4) digits of your Social Security Number. 4. You will be prompted to select how your secure access code will be delivered (SMS text or voice call). 5. Change your password. 6. Read and accept the Terms and Conditions for Online Banking. 7. You’re in! At this time, you may set up any automatic account alerts you may have had in the former online banking system, as those will not be converted. Detailed log in instructions are included on pages 13-14 of this guide. Need Assistance? Call our Customer Care Center at 877.280.1862 8
Important! ONLINE BILL PAY ▶ Prior to Friday, August 23, 2019, we suggest you review any bills due August 19-26, 2019, and consider making these payments in advance. ▶ Bill Pay history will convert to the new system. eStatements and ▶ Payees, addresses and recurring payments will also convert to the new check images may system. ▶ Please know that every attempt will be made to properly convert all your not be immediately current payees. On Monday, August 26, 2019, we recommend reviewing all available in the new your payments and payees to ensure all were converted properly. If any are missing, you can re-establish them at this time. Bank of Blue Valley ▶ Bill Pay customers will continue to select the due date. For electronic Online Banking. If payments, we will remove the funds from your account when we process the payment. This is generally one or two days prior to the due date. For checks you require a copy we will remove the funds from your account when the check clears. of an online ▶ eBills allow you to receive bills online and set up automatic payments. You eStatement or may enroll each eBill within online banking beginning Monday, August 26, 2019. Payees eligible for the eBill service will have a link under the payee’s check image for name when you view your list. Current eBills will not convert, you will have to re-establish them in the new system. activity prior to Friday, August 23, eSTATEMENTS 2019, please log in Current accounts on eStatements will automatically convert; however, when you log in for the first time afer the system conversion, you will need to read to the former Bank and accept the eStatement disclosure. You will receive an email notification of Blue Valley detailing when your future Bank of Blue Valley eStatements are available in Online Banking. Once you accept your disclosure, if you have any other Online Banking accounts that are displayed within online banking, but were not previously system at enrolled with an eStatement, those accounts will also be automatically enrolled in eStatements. If you’re not using eStatements now, sign up afer conversion BankBV.com. through Online Banking and go “green”! ACCOUNT TRANSFERS Recurring transfers established through your existing Bill Pay service and recurring internal transfers established within Online Banking will be converted. Bank to Bank transfers will not convert from the current Bank of Blue Valley Online Banking systems. Although the exact functionality does not exist within our new Online Banking system, similar results can be accomplished through the new online Bill Pay service or external transfers to your accounts at another financial institution. If you need assistance with re-establishing these transfers, please contact Customer Care at 877.280.1862. MOBILE BANKING Whether you need to check your account balance at the grocery store or transfer money between accounts while on the go, Bank of Blue Valley has you covered with Mobile Banking. And, that’s not all. Our free mobile app1 gives you the opportunity to: 1 Phone service provider fees may apply. 9 Your guide to expanded personal banking opportunities with Bank of Blue Valley
▶ Deposit checks with Mobile Remote Deposit TELEPHONE BANKING ▶ Pay bills Bank of Blue Valley’s automated telephone banking ▶ Enjoy the convenience and security of Mobile Banking from service will assist you with general account inquiries such Bank of Blue Valley. Simply download the app on your as balances, deposits, transfers, etc. Telephone Banking smartphone and you are ready to go mobile. The new app phone number will not change. will be available Monday, August 26, 2019, after 8:00 a.m. The phone number for Telephone Banking is 866.499.4288 or 913.384.8255. MOBILE CHECK DEPOSIT With Bank of Blue Valley’s Mobile Banking app, you can deposit checks into your account at anytime from anywhere. Easy to use, you simply decide which account you want to LOANS AND CREDIT deposit into, and then snap photos of both the front and back of the check. It’s that simple. CONSUMER LOANS AND LINES OF CREDIT The terms of your loan or line of credit and charges assessed in accordance with your existing contract will not TEXT BANKING change, unless you receive a separate notification stating This service will still be available; however, you will notice otherwise. some changes. Afer conversion, you will need to re-enroll in text banking. Additionally, a few of the text commands will change. More detailed information can be found on our Consumer closed-end, non-real estate secured loans that are website at BankBV.com afer August 26, 2019. not set up on automatic payments and are currently receiving statements, will receive a new coupon book in the mail approximately one week prior to Friday, August 23, eALERTS 2019. Please include this coupon with your payments going Afer the conversion, you will need to re-establish your forward. eAlerts. eAlerts are notifications sent to you via email or text, when certain events occur on your accounts. Your loan number will remain the same unless you receive separate notification stating otherwise. Payments to loans, PAY A PERSON PAYMENTS other than lines of credit, will be posted as of the date received. The Pay a Person feature allows you to send funds to trusted recipients using your bank issued debit card. Transactions are sent to the recipient who will receive an email or text Payments will be applied in the following order: Interest, message detailing how to retrieve the funds via their debit Principal, Escrow and then any other fees. card or account number. NOTE: This feature is only available for consumer debit cards. If you have an automatic loan payment set up from a Some debit cards may not be accepted to receive payment. deposit account, it will remain in effect following the The Pay a Person feature should only be used to send funds conversion. However, the final payment will not be to people you know. This feature is not intended for online automatically processed, rather you will receive a billing payments, or for payment of products or services you have not notice in the mail indicating that final payment is due. yet received. CUSTOMER RESOURCES Phone Support: To speak with a Personal Online Banking specialist, contact the Bank of Blue Valley Customer Care Center at 877.280.1862. For complete Customer Care Center hours and additional contact information, please refer to page 3. Need Assistance? Call our Customer Care Center at 877.280.1862 10
11 Your guide to expanded personal banking opportunities with Bank of Blue Valley
Beginning Monday, August 26, 2019, you may use any of the following methods to make loan payments: Deposit and ▶ Request a loan payment through Online Banking service from any Bank of Blue Valley account. Payment Deadlines ▶ Drop off your payment at any Bank of Blue Valley branch. ▶ Mail your payment to: Loan Processing All times listed are Central Time, P.O. Box 209 Monday–Friday, normal business Dubuque, IA 52004-0209 days. ▶ Sign up for automatic payments online through Online Banking. Wire Origination WIRE TRANSFERS in-person at Instructions for directing a wire transfer deposit to your Banking Center..................3:00 p.m. account will change efective Monday, August 26, 2019. International wires will be processed through Dubuque Bank and Trust (a Heartland bank) on behalf of Bank of Blue Valley. Bill Pay Origination New Domestic wire instructions are listed below. Please for same-day provide the following information to any parties sending wire transfers to your account. processing..........................3:00 p.m. Effective Monday, August 26, 2019 Wire Origination PLEASE NOTE NEW ROUTING NUMBER. Incoming wires via phone with PIN ...........4:00 p.m. sent to the old Routing Number will not post. DOMESTIC INCOMING WIRES Incoming Wire When receiving a money wire from a United States bank, posting cutoff ....................5:00 p.m. provide these instructions to the sender: Receiving Bank: . . . . . . . . . . . . . . . . . . . Bank of Blue Valley Receiving Bank ABA #: . . . . . . . . . . . . . . . . . . . . 101101950 Mobile Deposit for same-day posting..............6:00 p.m. Beneficiary Name: . . . . . . . . . . . . . . . . . . . . . . [Your name] Beneficiary Address: . . . . . . . . . . . . . . . . . . [Your address] Beneficiary Account #: . . . . . . . . . .[Your account number] Internal account-to-account transfers through INTERNATIONAL INCOMING WIRES Online Banking ..................7:00 p.m. When receiving a money wire from a foreign country, provide these instructions to the sender: Receiving Bank: . . . . . . . . . . . . . . . Dubuque Bank and Trust Teller Deposits will post for same- Company―Dubuque, Iowa day deposit each business day. SWIFT: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .DUBTUS44 Beneficiary Bank: . . . . . . . . . . . . . . . . . Bank of Blue Valley Beneficiary Name:. . . . . . . . . . . . . . . . . . . . . . . [Your name] Beneficiary Address: . . . . . . . . . . . . . . . . . . [Your address] Beneficiary Account #: . . . . . . . . . .[Your account number] Need Assistance? Call our Customer Care Center at 877.280.1862 12
BANK OF BLUE VALLEY ONLINE BANKING LOG IN INSTRUCTIONS Enter your current Bank of Blue Valley log in ID and for the password, enter the last four digits of your social security number. You will be prompted to select a target for a secure access code. Once you receive your Secure Access Code via voice phone call or SMS text message, enter it in the Access Code Screen. Click Submit. You will be prompted to register your device. 13 Your guide to expanded personal banking opportunities with Bank of Blue Valley
BANK OF BLUE VALLEY ONLINE BANKING LOG IN INSTRUCTIONS (CONTINUED) Then prompted to change password. Verify your existing information. Please read and accept the Online Banking Agreement and Disclosure. Need Assistance? Call our Customer Care Center at 877.280.1862 14
HOW TO DOWNLOAD THE FORMER BANK OF BLUE VALLEY TRANSACTION HISTORY Click into xxx5678 Primary Checking Click the + icon to expand the Transaction Filter. Modify the transaction dates or types if needed. At the bottom of the page click Export Transaction History. Select the desired data extract format. Click the Export button. 15 Your guide to expanded personal banking opportunities with Bank of Blue Valley
LOCATIONS Overland Park Banking Center and Corporate Headquarters 11935 Riley Street Overland Park, KS 66213 913.338.1000 Lobby Hours M-F: 8:00 a.m. - 5:00 p.m. Sat: 9:00 a.m. - Noon Drive Thru Hours M-F: 6:30 a.m. - 6:00 p.m. Sat: 8:00 a.m. - 1:00 p.m. Leawood Banking Center 13401 Mission Road Leawood, KS 66209 913.234.3096 Lobby Hours M-F: 9:00 a.m. - 5:00 p.m. North Kansas City Banking Center Atchison Banking Center Sat: 9:00 a.m. - Noon Drive Thru Hours 2301 Burlington, Suite 110 734 Commercial Street M-F: 9:00 a.m. - 5:00 p.m. North Kansas City, MO 64116 Atchison, KS 66002 816.398.7625 913.367.1130 Sat: 9:00 a.m. - Noon Lobby and Drive Thru Hours Lobby Hours Lee's Summit Banking Center M-F: 9:00 a.m. - 5:00 p.m. M-F: 9:00 a.m. - 5:00 p.m. Drive Thru Hours 701 NE Lakewood Boulevard Lee's Summit, MO 64064 NEW! Olathe Banking Center M-Th: 8:00 a.m. - 5:00 p.m. 816.246.9936 958 West Santa Fe Street Fri: 8:00 a.m. - 5:30 p.m. Lobby and Drive Thru Hours Olathe, KS 66061 Sat: 9:00 a.m. - Noon 913.234.2400 M-Th: 9:00 a.m. - 5:00 p.m. Lobby Hours Hiawatha Banking Center Fri: 9:00 a.m. - 5:30 p.m. M-F: 9:00 a.m. - 5:00 p.m. 7th & Delaware Street Sat: 9:00 a.m. - Noon Hiawatha, KS 66434 Lenexa 95th Banking Center 9500 Lackman Road Drive Thru Hours 785.742.2121 M-F: 8:00 a.m. - 6:00 p.m. Lobby Hours Lenexa, KS 66219 913.888.7852 Sat: 9:00 a.m. - Noon M-Th: 8:30 a.m. - 4:30 p.m. Fri: 8:30 a.m. - 5:00 p.m. Lobby Hours M-F: 9:00 a.m. - 5:00 p.m. Olathe Banking Center2 Sat: 9:00 a.m. - Noon 1235 East Santa Fe Street Drive Thru Hours Sat: 9:00 a.m. - Noon Olathe, KS 66061 M-F: 8:00 a.m. - 5:00 p.m. Drive Thru Hours 913.234.2400 Sat: 9:00 a.m. - Noon M-F: 9:00 a.m. - 5:00 p.m. Lobby Hours Sat: 9:00 a.m. - Noon M-F: 9:00 a.m. - 5:00 p.m. Sabetha Banking Center Sat: 9:00 a.m. - Noon 21 Main Street Lenexa Banking Center Drive Thru Hours Sabetha, KS 66534 10101 Woodland Road M-F: 8:00 a.m. - 6:00 p.m. 785.284.3433 Lenexa, KS 66220 Sat: 9:00 a.m. - Noon Lobby Hours 913.254.7400 M-F: 8:30 a.m. - 5:00 p.m. Lobby and Drive Thru Hours Shawnee Banking Center Sat: 9:00 a.m. - Noon M-F: 9:00 a.m. - 5:00 p.m. Drive Thru Only Drive Thru Hours Sat: 9:00 a.m. - Noon 5520 Hedge Lane Terrace Monday - Friday: 8:00 a.m. - 5:00 p.m. Shawnee, KS 66226 Saturday: 9:00 a.m. - Noon Merriam Banking Center1 913.234.2430 6740 Antioch Road Sabetha Lakeview Village Banking Center Drive Thru Hours Merriam, KS 66204 1705 Roosevelt Street M-F: 9:00 a.m. - 5:00 p.m. 913.677.4500 Sabetha, KS 66534 Sat: 9:00 a.m. - Noon Lobby Hours 785.284.2873 M-F: 8:30 a.m. - 4:30 p.m. Lobby Hours M-F: 9:30 a.m. - 11:30 a.m. 1 The Merriam Banking Center is scheduled to close on Friday, October 25, 2019 2 Olathe Banking Center at 1235 East Santa Fe will close on Wednesday July 31, 2019 Need Assistance? Call our Customer Care Center at 877.280.1862 16
ABOUT HEARTLAND FINANCIAL USA, INC. Founded in 1981, Heartland is a $12 billion multi-bank The Heartland vision is to diferentiate itself by highlighting holding company, ofering unique banking solutions for its uniqueness as a commercial banking organization business and consumer customers. Heartland’s independent supported by a strong consumer delivery system. Heartland community banks are chartered in the states of Iowa, Financial USA, Inc. has been named a “Forbes Best Bank Illinois, Wisconsin, New Mexico, Arizona, Montana, Colorado, 2019.” In its annual review of the largest publicly traded Minnesota, Kansas, Missouri, Texas and California, with a banks and thrifs, Forbes ranked Heartland Financial USA, total of 116 banking locations serving 84 communities. Inc. 66th among a nationwide group of 100 leading banking organizations with assets ranging from $9 billion to over $2 Other business lines include: trillion. Heartland’s common stock is traded through the ▶ Financial Planning, Investment Management and Trust NASDAQ® Global Select Market System under the symbol Services offered through Wealth Advisory Services1 “HTLF.” ▶ Customized 401(k), 403(b) and Profit Sharing Plans offered 1 Products offered through Wealth Advisory Services are not FDIC insured, are not bank guaranteed, and may lose value. through Heartland Retirement Plan Services2 2 Products offered through Heartland Retirement Plan Services are not FDIC insured, are not bank guaranteed, and may lose value. ▶ Home mortgage lending 3 Securities offered through LPL Financial, Member FINRA/SIPC. Insurance products offered through ▶ Business Credit Card, Commercial Card (Purchasing Card, LPL Financial or its licensed affiliates. Bank of Blue Valley and Blue Valley Investment Services are not registered broker/ dealer(s) and not an affiliate of LPL. Corporate Card, Gas Card) and Electronic Accounts Payable Not FDIC No Bank May Lose Value Not a Deposit Not Insured by a Federal offered by Commercial Card Payment Solutions Insured Guarantee Government Agency Newtown Antioch Park Merriam 17 Your guide to expanded personal banking opportunities with Bank of Blue Valley
Tak You! Thank you for giving us this opportunity to serve you. As you can see, this is an exciting time for our customers and team members. If you have questions about anything included in this guide, or would like more information, please call or visit your local Bank of Blue Valley Banking Center. After Friday, August 23, 2019, you may also call the Customer Care Center at 877.280.1862, Monday–Friday, 7:00 a.m. – 8:00 p.m. and Saturday, 8:00 a.m. – 2:00 p.m. Thank you again for your business! We’re here to help you explore the additional new banking opportunities that are now available to you. COMMUNITY. PHILANTHROPY. Western Meadowlark ENTREPRENEURSHIP. Kansas State Bird 18
0272-19 EQUAL HOUSING LENDER | MEMBER FDIC
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