Welcome to First National
Bank and Trust Company
Shared history,
common values,
family-owned.
Welcome to First National Bank and Trust Company
As you know, Walworth State Bank and First National Bank and
Trust Company have joined forces. The merger brings together two
financially-sound, family-owned, truly local community banks to
create an even stronger financial institution to serve our customers’
and communities’ financial needs in Walworth County and the entire
Stateline area.
We are committed to making this transition smooth and easy for you.
Our customers are at the heart of our company, and we believe this
partnership will enable us to better serve your needs. This booklet is
designed to answer questions you may have about your accounts and
your new relationship with First National Bank.
If you have additional questions that were not answered here, we
invite you to visit www.fnbtwelcomesu.com, contact us toll free at
800.667.4401 or email [email protected].
We welcome you as a customer of First National Bank and look
forward to serving you.
Sincerely,
Steve Eldred
President & CEO
First National Bank and Trust Company
We are your truly local, family-owned
community bank.
With more than 130 years in the banking business, First National Bank
and Trust is a truly local, family-owned community bank headquartered
in Beloit, Wisconsin, serving 9 different communities with 12 branches
in Northern Illinois and Southern Wisconsin. Our partnership with
Walworth State Bank extends our footprint into Walworth County and
allows us to serve 13 communities with 16 branches. For generations
we’ve been your neighbor with locations in Beloit, Clinton, Darien,
Janesville and throughout the Stateline area. From excellent customer
service to the best-in-class offerings, we work to make a difference in the
lives of families and our community. As we see it, being involved is more
than doing something nice for our neighbors – it’s our responsibility to
help our community grow by supporting the economic well-being and
quality of life for everyone.
Providing Sound Advice since 1882
Table of Contents
General Questions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
Branch Hours and Locations. . . . . . . . . . . . . . . . . . . . . . . . . . . 7
Personal Accounts
Checking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
Savings & Money Market. . . . . . . . . . . . . . . . . . . . . . . . . 12
CDs & IRAs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
Loans & Mortgages. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
Specials/Coupons. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
Business Accounts
Checking, Savings & Money Market. . . . . . . . . . . . . . . . . 17
Introduction
This booklet is provided as an introduction to First National Bank’s
products and services. It may be used with the separate Change
In Terms booklet you received in the envelope with this guide.
This booklet references your Walworth State Bank accounts and the
corresponding First National Bank accounts they will be transitioned to.
The Change In Terms booklet also includes the First National Bank
Privacy Policy and explains any changes to fees, service charges,
processes and other details about your accounts.
We are committed to making this transition as smooth as possible
and have designed these pieces to help you learn about your new First
National Bank accounts and services.
4
General Questions
When will I officially become a First National Bank and Trust customer?
Beginning April 25, 2016, you will officially be a customer of First National
Bank with access to more than 70,000 surcharge-free ATMs worldwide, 16 full
service FNBT branch locations and state-of-the-art online and mobile banking.
Will the branches be open during the conversion?
The Walworth State Bank branches will close at their normal time on Friday,
April 22 and remain closed on Saturday, April 23, reopening on Monday,
April 25 as First National Bank locations.
Is there anything I need to do right now?
No. Continue to bank as usual with Walworth State Bank. For detailed
information on account changes, including new features and benefits,
please read the information in the Change in Terms booklet. If you have
additional questions, feel free to call us toll free at 800.667.4401 or email
[email protected].
Community-focused, independently
minded, locally grown.
Strong and secure since 1882. “Trust” is more than just part of
our name. Independent rating firm Bauer Financial has
recommended us as a 5-Star Institution for sound
banking practices. 5-Stars is the highest rating
awarded by Bauer. You can rely on First National
Bank to be there when you need us.
Will the ATM machines at the Walworth State Bank branches
be available to use during conversion weekend?
Yes. There will be no interruption of ATM service during the conversion,
other than normal downtime for maintenance. Please continue to use
your Walworth State Bank debit card through April 24.
Will my night deposit box key still work?
We do not anticipate reissuing new keys or bags at this time. Please
continue to conduct night deposit business as usual.
5
Does First National Bank offer Telephone Banking?
Yes. To access First National Bank’s Telephone Banking service, call
800.667.4401, press ‘2’ and follow the simple instructions. If you already have
a 4 digit Telebank personal ID number (PIN), you will be able to access the
system with the same number on April 25. If you have not used this system
before and would like to establish a PIN, please call us at 800-667-4401.
What will happen to my safe deposit box?
There will be no changes to the safe deposit boxes at this time.
Will my Walworth State Bank online banking account transfer over
to a First National Bank online banking account?
Both consumer and commercial online banking services will transfer.
You will receive more detailed information regarding online account access
and your Access ID and Password in a separate notification.
Will I need a new ATM card and/or debit card?
If you currently have a Walworth State Bank ATM card and/or debit card,
or business debit card, you will receive a First National Bank card in the mail
prior to conversion. Continue to use your Walworth State Bank debit/ATM
card through Sunday, April 24. You may begin using your new First National
Bank ATM card and/or debit card on Monday, April 25, 2016.
Will my PIN change?
You will receive instructions with your new card to call 888.365.8873 to activate
and select your PIN. You may choose to use the same PIN you have today.
Will my deposits be FDIC-insured after the conversion?
Yes. First National Bank is an FDIC-insured institution and depositors are
insured up to the limits allowed by law.
The convenience you need.
Starting April 25, you will have access to more
than 70,000 surcharge-free ATMs. As part of
the Allpoint and MoneyPass ATM Networks,
our customers have access to ATMs around the
world and the ATMs located at our branches. Simply visit
bankatfirstnational.com/locations to find an ATM near you.
6
Branch Hours and Locations
Will the Walworth State Bank branches remain open after the
conversion?
Yes. All Walworth State Bank locations will remain open and will
become branches of First National Bank and Trust after conversion.
Will the branch hours change at the Walworth State Bank locations?
In order to streamline operations and improve efficiencies we will be
standardizing lobby hours. Effective April 25, all Walworth State Bank
locations will have the following hours:
Lobby:
Drive-Up:
Monday-Thursday: 9am-5pm
Friday:9am-5:30pm
Saturday:9am-12pm
Monday-Thursday: 8am-5pm
Friday:8am-6pm
Saturday:8am-12pm
May I use any First National Bank location to do my banking?
Starting April 25, you may use any First National Bank location. For
your convenience, we’ve listed all our branch locations on the next page.
Argyle
Elkhorn
Delavan
Darien
Williams Bay
Clinton
Janesville
81
Monroe
81
Wisconsin
Illinois
43
Beloit
Walworth
Rockton
Roscoe
90
Winnebago
20
90
39
Deeply rooted in the community.
7
BRANCH LOCATIONS
Wisconsin
321 Milwaukee Street
Argyle, WI  53504
608.543.3321
1221 S. Shore Drive
Delavan, WI 53115
262.728.4217
345 East Grand Avenue
Beloit, WI 53511
608.363.8000
190 E. Geneva Street
Elkhorn, WI 53121
262.743.2223
1882 Inman Parkway
Beloit, WI 53511
608.363.8001
2636 S. US Hwy 51
Janesville, WI 53546
608.314.8588
1795 Madison Road
Beloit, WI 53511
608.363.8002
1625 10th Street
Monroe, WI 53566
608.328.5100
2600 Cranston Road
Beloit, WI 53511
608.313.3001
Drive-Thru Only
1919 10th Street
Monroe, WI 53566
608.328.5100
500 Peck Avenue
Clinton, WI 53525
608.676.5552
218 N. Walworth Street
Darien, WI 53114
262.882.5580
105 State Road 67
Walworth, WI 53184
262.275.6154
121 Walworth Ave
Williams Bay, WI 53191
262.245.9915
Illinois
300 E. Main Street
Rockton, IL 61072
815.624.8111
500 N. Elida Street
Winnebago, IL 61088
815.335.2366
5360 Bridge Street
Roscoe, IL 61073
815.623.3300
8
Personal Accounts
Checking
If your Walworth State Bank
account is called…
Your new First National Bank
account will be called…
Basic Checking
Everyday Checking
Regular Checking
Everyday Checking
Senior Checking
Everyday Checking
Student Checking
Teen Checking
18 years of age or younger
Student Checking
Everyday Checking
age 19+
Merit Club Checking
Privilege Plus Checking
NOW Checking
Privilege Plus Checking
See Change in Terms booklet for details
All First National Bank consumer checking accounts
include the following convenient benefits:
n
Free online banking and bill pay
n
Debit MasterCard® with Free Rewards Program
n
Free E-Statements
n
Free Mobile Banking
n
n
Access to more than 70,000 surcharge-free Allpoint
& MoneyPass ATMs worldwide
Telephone Banking
Will my checking account number change?
At this time, we expect your account number to remain the same. If there
are any changes required, a communication will be provided in a timely
manner, along with detailed instructions to ensure a smooth transition.
9
Our Debit Card Rewards
Program is as easy as 1-2-3
1.Earn Rewards Points by using your First
National Bank Debit MasterCard® for everyday
purchases.
2.We’ll send you a quarterly certificate in the mail with your
earned points, or you may choose to have your points
automatically load into your rewards account.
3.Redeem your points for gift cards and merchandise at
bankatfirstnationalrewards.com
For more information about First National Bank’s Debit Card
Rewards Program, visit bankatfirstnational.com/rewards.
What will happen to my checks and deposit slips?
You may continue to use your same accounts, checks and deposit
slips. We will strive to make your transition as simple as possible and
will notify you in advance when your checks or deposit slips require
replacement.
If I write a check before April 23 and it doesn’t clear until after the
conversion, will it be paid?
Yes. All Walworth State Bank checks will be sent to First National Bank.
If the funds are available in your checking account, the checks will be paid.
Will I need to change my direct deposit?
No. If you receive social security, payroll or other ACH direct deposits
into your accounts, you will not notice any disruption of service.
There is nothing you need to do, as your deposits will automatically be
transitioned to your First National Bank accounts upon conversion.
Will I need to change any automatic debits or bill payments that come
out of my account?
No. Your automatic payments and online bill payments will transfer to
First National Bank making the transition easy and convenient. There
is nothing you need to do, as your payments will automatically be
transitioned to your First National Bank accounts upon conversion.
10
Personal Accounts
Checking
Will I need to change any automatic debits or recurring payments
that I’ve set up with my debit card?
Yes. If you have automatic payments set up directly with your Walworth
State Bank debit card, you will need to revise those payments starting
April 25, using your new First National Bank Debit MasterCard, which
will have a new debit card number. More information will be provided
with your new debit card to help you with this transition.
Will I receive my checking account statement on the same day I did
with my Walworth State Bank account?
Statement cycles may change depending on the type of account you have.
Does First National Bank offer Overdraft Protection?
Yes. First National Bank offers Overdraft Privilege as a discretionary
overdraft service on qualified checking accounts, along with the option
to set up transfers from other deposit accounts or apply for an overdraft
line of credit.
What’s the big deal about
BaZing®?
Privilege Plus Checking customers receive these
benefits!
• Cell Phone Protection
• Grocery Coupons
• Identity Theft Aid
• Pharmacy,Vision & Hearing Discounts
• Travel Protection
• Free BaZing app on the App • Shopping,
Dining & Travel Visit
bankatfirstnational.com/mobile
a free tutorial!
Storefor
& Google
Play
Discounts
Any FNBT consumer checking account holder can try a free
sample BaZing membership at www.bazing.com/FNBTsample
11
Personal Accounts
Savings & Money Market
If your Walworth State Bank
account is called…
Your new First National Bank
account will be called…
Statement Savings
First Choice Savings
Christmas Club
Four Seasons Savings
Individual Health Savings
Health Savings
Family Health Savings
Health Savings
Personal Money Market
Matrix Money Market
Money Market IRA
IRA Variable Savings
See Change in Terms booklet for details
Will my account numbers change?
At this time, we expect your account number to remain the same. If there
are any changes required, a communication will be provided in a timely
manner, along with detailed instructions to ensure a smooth transition.
Will I need to order new money market checks?
You may continue to use your same accounts, checks and deposit slips
at this time. We will strive to make your transition as simple as possible
and will notify you in advance when your checks or deposit slips
require replacement.
Will I receive my savings and money market account statements at
the same time of the month as in the past?
Statement cycles may change depending on the type of account you
have.
12
Personal Accounts
CDs
Will the rate or terms of my CD change?
No. Your CD will stay the same. First National Bank will honor all
current CD rates and terms through the date of maturity.
What do I do with my paper certificate for my CD?
You may retain your certificate for your records.
What will happen to my retirement plan?
Individual Retirement Accounts (IRAs) will transfer with the same
rates and terms. The plan types, such as Roth, Education, Conduit and
Inherited, will not change.
Is your current asset
allocation fitting your
needs? Isn’t it worth
a second look?
You have a wide array of choices when it comes to your
investment management. Contact us for a comprehensive
no-obligation review of your current strategy.
bankatfirstnational.com/secondlook
13
FDIC Insurance Coverage
If you had accounts at both First National Bank and Trust and Walworth State
Bank, you may be affected by a limitation of FDIC insurance coverage due to the
merger. For clients who currently maintain accounts at both banks:
1. Your converted deposit accounts will be separately insured from any
accounts you already have at First National Bank for six months after
February 2, 2016. For example: on February 2, 2016, separate insurance
coverage started and will continue until August 2, 2016.
2. For time deposits, the separate deposit insurance will continue until the
first maturity date after the expiration of those six months. Please refer to
the exceptions below.
3. During this 6-month time period, the depositor must rearrange their
deposits, if necessary, to maintain appropriate levels of FDIC insurance
coverage.
Exceptions that apply to time deposits:
Time deposits that mature within the 6-month period and are renewed for
the same amount with or without accrued interest added to the account AND
the same term as the original deposit will continue to have separate insurance
coverage until the next maturity date.
For example: The 6-month extension period expires August 2, 2016. Jane Doe’s
CD matures July 15, 2016, within the 6-month period. Jane Doe does not make
any changes to this account and lets it renew automatically. Jane will receive
separate insurance coverage until her NEXT maturity date.
Time deposits that mature within the 6-month period and are renewed for a
different term or amount will not be insured separately after the 6-month period
expires.
For example: The 6-month extension period expires August 2, 2016. John
Doe’s CD matures July 15, 2016, within the 6-month period. John Doe changes
the length of time the dollars are invested (term). John’s separate insurance
coverage would end on August 2, 2016, at the end of the 6-month period.
If you have specific questions, please refer to the FDIC’s website (www.fdic.gov),
telephone information center 1.877.ASK.FDIC (1.877.275.3342) or contact First
National Bank Customer Support at 1.800.667.4401.
14
Personal Accounts
Loans & Mortgages
Will my loan account number change?
At this time, we expect your account number to remain the same. If there
are any changes required, a communication will be provided in a timely
manner, along with detailed instructions to ensure a smooth transition.
Will my rates change?
No. The rate you pay on your loan or mortgage will be honored
by First National Bank and guaranteed through the terms of your
agreement. After those terms have expired, you may apply for
a similar First National Bank product.
Will there be a change in how I make my loan payment?
Yes. The address where you send your loan payment will change. If you
pay by mail, you will receive a loan statement each month that includes
a perforated payment slip to include with your payments. Your loan
payment due date will remain the same.
I have my loan payment automatically deducted from my checking
account. Will this service continue?
Yes. The date the loan payment is deducted, as well as the terms and
conditions of your loan, will remain the same.
Will I be able to continue to use my current checks for my Home
Equity line?
You may continue to use the same checks with your current Home
Equity Line after April 25. We will notify you in advance if your checks
need replacement.
Will my escrow accounts transfer to First National Bank?
Yes. Consumer Mortgage Escrow accounts will transfer to First National
Bank upon conversion. Please consult your commercial relationship
manager to discuss commercial escrows.
How will tax reporting be handled with the form 1098?
Interest paid in 2016 on all loan accounts will be reported by First
National Bank.
Will I receive a new Visa Credit Card to replace my Walworth State
Bank Visa Credit Card?
Yes. You will receive a separate letter with a new First National Bank and
Trust Visa credit card in the coming weeks. We expect the benefits of
your credit card to remain the same.
15
Specials/Coupons
$250 OFF Mortgage Closing Costs on a new
First National Bank Mortgage
Offer good with the opening of a new First National Bank first mortgage only. FNBT
checking account with direct deposit or mortgage auto payment required. Available for
qualified owner-occupied 1-4 family residences only. Offer ends 07/31/2016.
Platinum Savings is Secure, Accessible
and Competitive
1.19% APY* guaranteed for the first 12 months
on balances of $25,000 or more
Tier*
$100,000+
$50,000 - $99,999.99
$25,000 - $49,999.99
$0 - $24,999.99*
First 12 Months
1.19%
1.19%
1.19%
N/A
After 12 Months
0.25%
0.23%
0.21%
0.02%
*APY (Annual Percentage Yield) shown is variable and effective as of March 1, 2016. Rates are subject
to change without notice. Fees may reduce earnings. Offer may end at any time without notice,
but no later than 7/31/16. Minimum of $10,000 new money required which is defined as funds not
currently on deposit at Walworth State Bank or First National Bank and Trust. Minimum balance
of $25,000 is required to open account and earn introductory APY. If balance falls below minimum
requirement, rate will adjust to standard savings rate on that day and any day the balance remains
below. As of March 1, 2016, standard savings rate is 0.02%. Federal regulations require standard
savings withdrawal restrictions apply. Platinum Savings not available for public funds. Member FDIC.
Offer ends 07/31/2016
Refer Friends and Family to First National Bank
and Receive 350 Rewards Points
Refer a friend or family member to open a new First National Bank personal checking
account and receive 350 Rewards Points. Visit bankatfirstnationalrewards.com to learn more.
16
Business Accounts
Checking, Savings & Money Market
Business Checking Account Conversion Guide
If your Walworth State
Bank account is called…
Your new First National Bank
account will be called…
Small Business Account
Free Business Checking
Regular Business/Organization Account
Free Business Checking
Business/Organization NOW Account
Business Interest Checking
Your business debt MasterCard® works even
harder for your business! Get automatic rebates
on fuel, maintenance, travel, shipping and more.
Visit easysavings.com for details.
Business Savings & Money Market Account Conversion Guide
If your Walworth State Bank
account is called…
Your new First National Bank
account will be called…
Business Statement Savings
Business Savings
Business Money Market
Business Matrix Money Market
16
See Change in Terms booklet for details
Will my account number change?
At this time, we expect your account number to remain the same. If there
are any changes required, a communication will be provided in a timely
manner along with detailed instructions to ensure a smooth transition.
Will I need to order new checks?
You may continue to use your same accounts, checks and deposit slips at this
time. We will strive to make your transition as simple as possible and will
notify you in advance when your checks or deposit slips require replacement.
17
If I write a check before April 23 and it doesn’t clear until after the
conversion, will it be paid?
Yes. All Walworth State Bank checks will be sent to First National Bank.
If the funds are available in your checking account, the checks will be paid.
Will I receive my account statement on the same day I did with my
Walworth State Bank account?
Statement cycles may change depending on the type of account you have.
Will I need to change my direct deposit or direct payment program?
No. If you receive any ACH direct deposits into your accounts, you will not
notice any disruption of service. There is nothing you need to do, as your
deposits will automatically be transitioned to your First National Bank
accounts upon conversion.
Will I need to change any automatic debits or bill payments that come
out of my account?
No. Your automatic payments and online bill payments will transfer to First
National Bank making the transition easy and convenient.
Will I need to change any automatic debits or recurring payments that
I’ve set up with my debit card?
Yes. If you have automatic payments set up directly with your Walworth
State Bank debit card, you will need to revise those payments starting
Monday, April 25, using your new First National Bank Debit MasterCard®,
which will have a new debit card number. More information will be
provided with your new debit card to help you with this transition.
18
First National Bank and Trust Company
345 East Grand Avenue
Beloit, WI 53511
www.bankatfirstnational.com
Member FDIC