ARE HAPPENING FOR YOU - Banking Resource Guide Your guide to expanded personal banking opportunities - Morrill & Janes Bank

Page created by Jesus Hartman
 
CONTINUE READING
ARE HAPPENING FOR YOU - Banking Resource Guide Your guide to expanded personal banking opportunities - Morrill & Janes Bank
ARE HAPPENING FOR YOU

        Banking Resource Guide
Your guide to expanded personal banking opportunities.
ARE HAPPENING FOR YOU - Banking Resource Guide Your guide to expanded personal banking opportunities - Morrill & Janes Bank
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
ARE HAPPENING FOR YOU - Banking Resource Guide Your guide to expanded personal banking opportunities - Morrill & Janes Bank
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
ARE HAPPENING FOR YOU - Banking Resource Guide Your guide to expanded personal banking opportunities - Morrill & Janes Bank
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
ARE HAPPENING FOR YOU - Banking Resource Guide Your guide to expanded personal banking opportunities - Morrill & Janes Bank
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
ARE HAPPENING FOR YOU - Banking Resource Guide Your guide to expanded personal banking opportunities - Morrill & Janes Bank
▶ 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
ARE HAPPENING FOR YOU - Banking Resource Guide Your guide to expanded personal banking opportunities - Morrill & Janes Bank
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
ARE HAPPENING FOR YOU - Banking Resource Guide Your guide to expanded personal banking opportunities - Morrill & Janes Bank
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
ARE HAPPENING FOR YOU - Banking Resource Guide Your guide to expanded personal banking opportunities - Morrill & Janes Bank
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
ARE HAPPENING FOR YOU - Banking Resource Guide Your guide to expanded personal banking opportunities - Morrill & Janes Bank
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
You can also read