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Core System Upgrade
Learn more about this important process, including services that may be temporarily unavailable.
Starting on Friday, September 17 at 5:00 pm through Sunday, September 19, 2021, we will be upgrading our core processing system, which is the software used to manage deposit and loan accounts, complete transactions, and support services such as debit cards and online banking. When visiting an office, on the go with our mobile app, or using an ATM, this upgrade will allow us to provide the convenient and secure experience you expect from your financial institution.
Our team continues to work hard behind the scenes to prepare for the system conversion and we appreciate your patience during this process. In preparation for next month, you’ll find important information including dates when services may be temporarily unavailable, disclosures, frequently asked questions and more.
Important Dates and Frequently Asked Questions
September 17-19, 2021
All systems will be converted during this weekend.
Friday, September 17, 2021
All offices that close prior to 5:00 p.m. will close at the normal time. All other offices will close at 5:00 p.m.
The following services will be unavailable from Friday, September 17 (5:00 p.m.), through Sunday, September 19, 2021. Online Banking, Bill Pay, Mobile Banking, Mobile Deposit, Remote Deposit Capture, Telephone Banking and Zelle P2P Payments. ATMs and debit cards will be available.
Saturday, September 18, 2021
All ACNB Bank, FCB Bank and NWSB Bank offices will be closed. Online services will be unavailable in order to complete the necessary system changes. The Customer Contact Center will be closed on Saturday, September 18, 2021.
Sunday, September 19, 2021
Online services will be unavailable.
Monday, September 20, 2021
Offices will reopen with normal hours. Online services will resume.
1. Question: Will my account numbers change?
Answer: No. Account numbers will stay the same for deposit and loan accounts.
2. Question: Will my accounts function differently?
Answer: For the most part, your accounts will work the same as before.
3. Question: How will office visits change?
Answer: Our improved core system will allow for enhanced security features regarding capturing customers’ drivers licenses. Customers may be asked to show ID in order to scan an initial copy into our new database.
4. Question: Will in-person transactions be different?
Answer: Yes, customers who make deposits and withdrawals in the Community Banking Offices will no longer sign paper slips. After conversion, customers will sign electronically. Customers who use the drive-up will continue to use paper tickets for deposits and withdrawals.
5. Question: Will my receipts look different?
Answer: Yes, you will see a difference in your account receipts (see example below).
6. Question: How will real-time posting affect me?
Answer: Transactions will post throughout the day in real-time or as presented order. Real-time or as presented is the process of applying the transactions, both debits and credits, to your account balance as they are presented to the Bank.
7. Question: Will cutoff times change?
Answer: Yes, for a list of updated cutoff times, please see the table below.
8. Question: Will there be changes to the fee schedule?
Answer: Yes, the cost for temporary checks will be $6.00 per page of four checks, effective September 20, 2021. We are also changing the way we charge for excessive transactions on savings or money market accounts, as explained below.
9. Question: Who can I contact for additional information or customer service assistance?
Answer: For more information, visit www.acnb.com, your Community Banking Office, or call our Customer Contact Center at 1-888-334-2262, which is available Monday through Friday: 8:00 a.m. - 6:00 p.m. and Saturday: 8:00 a.m. - 1:00 p.m. The Customer Contact Center will be closed on Saturday, September 18, 2021.
10. Question: How does the conversion change my Certificate of Deposit (CD) interest compounding and crediting?
Answer: After the conversion, interest for all CD accounts will be compounded and credited monthly. Currently, some CDs compound or credit less frequently. You may see a higher amount of interest on your annual tax reporting (1099-INT) for 2021 if interest was credited annually and now will be credited monthly.
11. Question: How does the conversion change my IRA-Certificate of Deposit (IRA-CD) interest compounding and crediting?
Answer: After the conversion, interest for all IRA-CD accounts will be compounded and credited monthly. Currently, IRA-CDs compound and credit on a quarterly basis, so this change is to your benefit.
12. Question: After the conversion, when will my statement arrive each month?
Answer: Depending on your statement cycle, statements will be sent on the 5th, 10th, 15th, 20th, 25th and month-end or quarter-end.
13. Question: Will my account statements look different?
Answer: Yes, you will see a difference in your account statements (see example below).
14. Question: Will I be able to see my statement history after the conversion?
Answer: Yes. We are printing statements for all checking and savings accounts on Friday 9/17/21. These statements will include history from the date of the last statement up to and including 9/17/21. These statements will not show interest or service charges, which will continue on your current cycle. These statements will be mailed during the week of 9/20/21. Your history will continue to be available via online banking, telephone banking and estatements beginning at 7:00 a.m. on Monday 9/20/21.
**Telephone Banking will not be available September 17 (after 5:00 p.m.) through September 19, 2021.
15. Question: Will I be able to inquire on my account balances and make transfers through an automated phone system?
Answer: Yes. Starting on September 20, 2021, you will need to create a new PIN number to access your information. We are adding additional security where you will be asked to answer one of four random questions:
- Date of birth (MMDDYY)
- 5 digit ZIP Code
- Last 4 digits of your Social Security Number
- Last 4 digits of the phone number on file
ONLINE AND MOBILE BANKING
**Online and Mobile Banking will not be available September 17 (after 5:00 p.m.) through September 19, 2021.
16. Question: Will I be able to see my accounts in Online Banking after the conversion?
Answer: Yes. You may be able to see additional accounts you own in Online Banking.
17. Question: Will my future dated and reoccurring Online Banking transfers continue after the conversion?
Answer: Yes, your current future dated and reoccurring Online Banking transfers will continue after the conversion.
18. Question: Do I have to re-establish any direct deposits or automatic payments that I had previously set up on my Bank accounts?
Answer: No. If you had previously established direct deposits or payments, they will automatically be continued after the conversion.
19. Question: Will I be able to see my transaction history through Online Banking after the conversion?
Answer: Yes, transaction history will continue to be available via Online Banking, Telephone Banking and estatements beginning at 7:00 a.m. on Monday 9/20/21.
20. Question: Will Bill Pay services be interrupted?
Answer: Yes. Starting September 17, Bill Pay customers will not be able to edit or add payments until September 20. It is recommended that all payments for this time period be scheduled prior to September 17. Also, starting on September 17, the Bill Pay mobile app functions will become unavailable until September 20.
DEBIT CARD AND ATM NETWORK
21. Question: Will my bank Mastercard® debit card continue to work during conversion weekend?
Answer: Yes. You can continue to use your ACNB Bank, FCB Bank or NWSB Bank Mastercard® debit card. All approvals will be based on your balance from September 17 at 5:00 p.m.
22. Question: Will ATMs be available?
Answer: Yes, during conversion weekend, customers can access all ACNB Bank, NWSB Bank and FCB Bank ATMs. Sheetz ATMs are also available surcharge-free.
23. Question: Will there be any changes to cards?
Answer: Cards which were closed prior to 9/1/20 or have not been used since 9/1/20 will be removed.
24. Question: Will Zelle be available?
Answer: No, you will not be able to send and receive money with Zelle Friday, September 17 at 5:00 p.m. through Sunday, September 19.
Excessive Transaction Charges for Savings and Money Market Accounts
As you may be aware, for an account to be classified as a savings or money market account, by law financial institutions need to monitor the account and limit “convenient” withdrawals and transfers from the account to six (6) per statement cycle. We previously charged $15 per item exceeding those limits, starting after the notification that you had reached your monthly limit. After conversion, we will begin to charge $15 per item exceeding those limits, beginning with the 7th convenient withdrawal or transfer out of your savings or money market account per statement cycle, with a daily limit of no more than 3 excessive transaction fees.
“Convenient” transfers and withdrawals, for purposes of this limit, include preauthorized, automatic (including, but not limited to, transfers from the savings or money market deposit for overdraft protection or for direct bill payments), and electronic transfers and withdrawals (including those initiated by telephone, online banking, email, or our mobile app), and transfers made by check, debit card, or other similar order made by the depositor and payable to third parties. Other, less convenient types of transfers and withdrawals from savings or money market accounts are not subject to the limit. An unlimited number of transfers and withdrawals may be made from a savings or money market account when made in person at the bank, by mail, or by using an ATM.
New VIP (Very Important Purpose) Club Account Designation and Renewal Process
With our new system, we are re-designating all of our VIP (Very Important Purpose) Club Accounts as savings accounts, as opposed to time accounts.This is primarily a regulatory designation that does not affect your use of the account, however, we are required to disclose this change to you. In conjunction with this change, we are eliminating any early withdrawal penalty within the first 10 days after account opening, the renewal of the account after maturity date, or for withdrawals up to the amount of a deposit within 10 days after the deposit. Any account agreement or disclosure you have previously been given for your VIP account is automatically modified to eliminate any fee for withdrawals in these instances. As a savings account, your VIP Club account will be subject to the excessive transaction limitations for savings accounts, which limits savings account customers to 6 “convenient” transfers or withdrawals from their savings account per statement cycle, and we are also reserving the right to require not less than 7 days’ notice in writing before each withdrawal (the law requires us to reserve this right, but it is not our general policy to use it).
One other change we are making to this account is that after our conversion, you will not get an annual renewal notice. As a reminder, you are still able to change the deposit schedule and amounts at any time.
Funds Availability Disclosure
Your Ability to Withdraw Funds
Our policy is to make funds from your cash and check deposits available to you on the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.
For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays and federal holidays. If you make a deposit at one of our community banking offices, before the end of business day cutoff, which coincides with our community banking office hours, on a business day we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after these cutoff times, or on a day that we are not open, we will consider that the deposit was made on the next business day we are open.
Longer Delays May Apply
In some cases, we will not make all of the funds that you deposit by check available to you on the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $225 of your deposits, however, may be available on the same business day.
If we are not going to make all of the funds from your deposit available on the day of your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you a notice by the day after we receive your deposit.
If you will need the funds from a deposit right away, you should ask us when the funds will be available.
In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:
- We believe a check you deposit will not be paid.
- You deposit checks totaling more than $5,525 on any one day.
- You redeposit a check that has been returned unpaid.
- You have overdrawn your account repeatedly in the last six months.
- There is an emergency, such as failure of computer or communications equipment.
We will notify you if we delay your ability to withdraw funds for any reason, and we will tell you when the funds will be available. Funds will generally be available no later than the seventh business day after the day of deposit.
Special Rules for New Accounts
If you are a new customer, the following special rules will apply during the first 30 days your account is open.
Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will be available to you on the day we receive your deposit. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit.
Funds from all other check deposits will be available on the ninth business day after the day of your deposit.
After our system upgrade, your receipts, billing notices, and deposit and loan statements will have a new look and some enchanced features.