Stigler Transition Information Center

For Assistance

Customer Support

To help you with any needs you may have during the upgrade, we have bank employees expressly dedicated to answering your questions about the changes taking place. Please call 918-967-4665 or 918-967-2880 for assistance.

Business Customers

If you need assistance related to commercial services such as Online Banking, ACH, or recurring wires, please call (918) 298-2632 or email TMSupport@firstar.bank.

Q: When does this change take place?

A: Over the weekend of Aug. 17-18, Firstar Stigler’s computer system will be merged with Firstar Bank’s core system. On Monday, August 19, we will fully operate on Firstar Bank’s computer system.

Q: Why is First National Bank merging with Firstar Bank?

A: There are many benefits that come with added resources. You are gaining more branch and ATM locations, more customer service personnel, and more products and services such as Phone Banking and identity theft monitoring.

Q: Will the Stigler branch hours change?

A: Beginning, Monday, August 19, the Stigler branch will have extended hours.

Q: Who is Firstar Bank?

A: Firstar is a locally-managed community bank with 12 locations in Oklahoma and Arkansas. Named one of the Highest-Performing Community Banks in America, the bank offers traditional as well as advanced financial services. Leading the way in providing first-class customer service, Firstar has been named ‘Best Bank’ and ‘Best Place to Work’ numerous times over the years.

Q: Will my funds continue to be FDIC-insured?

A: Yes. There will not be any changes to FDIC insurance which provides $250,000 of coverage per depositor. In many cases, accounts can be insured for even more.

Q: Will I keep my existing account number?

A: Most likely, yes. There are only a few account numbers that will change. We will be in touch with those affected well in advance and we will bear any costs involved with needed changes.

Q: Will my account features remain the same?

A: There will be minor changes to the accounts we offer. Because Firstar is in larger markets, services are priced very competitively which may mean a savings for you.

Q: Will I use the same debit card?

A: Your existing debit card will continue to work. When your existing card expires or if you request a new debit card, you will be provided a Firstar Bank branded card.

Q: Will I be able to use the checks I have?

A: Yes. You can continue using your First National Bank of Stigler checks indefinitely. When you reorder through the bank, your new checks will automatically be printed with the Firstar Bank name and logo.

Q: If I have direct deposits to my account, will they continue without interruption?

A: Yes. Your direct deposits will not be affected.

Q: Will my loan or deposit rates remain the same?

A: Interest rates on fixed-rate CDs and loans will remain the same until maturity. Our deposit rates will continue to be determined by local market conditions as they have in the past.

Account Numbers & Checks

Unless we contact you, your account numbers will not change. You may continue using your current checks and deposit slips indefinitely. The next time you order checks or deposit slips through us, they will automatically be printed with the Firstar Bank name and routing number.

Automated Transfers

If you have automatic transfers set up between your accounts, these transfers will continue after the transition.

Statement Format

Statements will be slightly different with a summary at the beginning. Account activity will be grouped by type.

Extra Cut-Off

You may receive two statements in the month of August. Regular statements will be sent as usual, but statements will also be printed and mailed as of Aug. 16, when the transition takes place. Interest will be paid and credited as accrued for both statement cycles.

Check Images

Basic Checking account holders only

It is optional to receive check images with a Basic Checking account. If you would like to receive your check images, please notify us. You will incur a fee of $2 per month. As an alternative, check images are available within Online and Mobile Banking at no cost.

On August 19, your accounts will convert to the Firstar account type that most closely matches. If you believe a different type of account would better meet your needs, please contact us. To learn more about our different accounts, click the table headers.

* If your account converts to Advantage Checking, you will receive a separate Benefit Guide. Some benefits require registration/activation. The descriptions herein are summaries only and do not include all terms, conditions, and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions.

Federal regulations limit the number of withdrawals through the use of preauthorized transfers or payments to third parties to 6 per monthly statement cycle. You may only make 6 pre-authorized transfers from your account each statement period. All business-purpose accounts currently in a personal account type will be moved to the most appropriate business account.

All business-purpose accounts currently in a personal account type will be moved to the most appropriate business account. Interest will be paid on your minimum daily balance. Federal regulations limit the number of withdrawals through the use of preauthorized transfers or payments to third parties to 6 per monthly statement cycle. Commercial accounts may be subject to a reserve requirement and uncollected funds charge.

All business-purpose accounts currently in a personal account type will be moved to the most appropriate business account. Interest will be paid on your minimum daily balance. Federal regulations limit the number of withdrawals through the use of preauthorized transfers or payments to third parties to 6 per monthly statement cycle. You may only make 6 pre-authorized transfers from your account each statement period. Additional business account and cash management fees may apply and are subject to change without notice. Commercial accounts may be subject to a reserve requirement and uncollected funds charge.

User Name

If you are currently an active, registered Online Banking user with Firstar Bank Stigler, your User Name will be the same after the transition.

Password

The first time you log in, you will use a temporary password which is your 5-digit zip code plus the last 4 digits of the Social Security or Tax ID Number listed first on your account. Example: 744625555.

You will be prompted to select a permanent password for future use. Your password is case-sensitive and must be a minimum of 8 characters in length. Your password must include: 1) a number, 2) an uppercase letter, and 3) a lowercase letter.

Security Data

The first time you log in, your identity will be verified through a text or phone call. It is critical that your current phone numbers are on file with the bank. Please call us at 918-967-4665 if you need to update your contact information.

Check Images & Statements

Your check images and bank statements from the past year will be added over the next few months. Our goal is to have these items added by the end of the year. If your past year images are temporarily unavailable during this transition, you may request them directly from the Stigler branch by calling 918-967-4665 or 918-967-2880.

Scheduled Transfers

If you previously scheduled transfers within Online Banking, we anticipate that these will carry over to Firstar’s system. Please confirm your scheduled transfers by clicking on the “Move Money” tab.

Scheduled Loan Payments

If you previously scheduled loan payments within Online Banking, we anticipate that these will carry over to Firstar’s system. Please confirm your scheduled loan payments by clicking on the “Move Money” tab.

Want to Enroll?

If you are not currently enrolled in Online Banking, it is easy to enroll. Beginning on Monday, Aug. 19 you can click on the blue Online Banking button on the top right of the home page or click here.

If you are a business customer, please contact Treasury Management Support to enroll in Online Banking: (918) 298-2632 or (866) 681-1650.

To learn more about our Digital Banking Services, click here.

Mobile Banking

After the transition on August 19, you will no longer use the Firstar Bank Stigler app. Please delete the Firstar Bank Stigler app from your device. The Firstar Bank Stigler app has a gray background. You will need to install the Firstar Bank app that has a white background.

All users must re-enroll:

Option 1

• Log in to Online Banking
• Click on the tab labeled “Self Service” then select “Self Administration.”
• Click on “Mobile Banking” then select “Go to Mobile Banking.”
• Follow the steps to obtain your activation code.

Option 2

• Download the Firstar Bank app from your your mobile app store.
• Look for the app with the white background.

Bill Pay

What Will Convert – Your payees, your payment history, scheduled payments, and recurring payments

What Will Not Convert – eBill presentment, multiple recurring payments for the same payee, single or recurring payment dates greater than 2 years, and external funding accounts

After the Transition

Beginning Monday, August 19, you will access Bill Pay by going to www.firstar.bank and logging in to Online Banking. After logging in, click on Move Money and Bill Pay. Going forward, funds will be debited from your account when the payment is processed. Please do not use the old system to submit any transactions.

Funding Account

After the conversion, please verify your default funding account. The default funding account is the account from which new bill payments will be debited. All previously scheduled transactions will be debited from the funding account that you selected when the payment was initiated.

24-Hour Account Information by Phone

Enjoy free, 24-hour access to check your account balance, make loan payments, transfer funds, and more.

To use Firstar Bank’s Phone Banking service for the first time, follow these steps:

• Call our phone banking number, 918-681-0600.
• When prompted, enter your Social Security Number or Tax ID Number.
• Enter your temporary Phone Banking P.I.N. which is the last four digits of your Social Security Number or Tax ID Number.
• Change your temporary P.I.N. to a new, permanent 4-digit P.I.N. of your choice.

Learn more about School Spirit & Personal Photo Debit Cards here.

School Spirit Card

Help the home team! Each time you select credit to make a purchase with your card, we’ll make a contribution to the school district activity fund.

Personal Photo Card

Celebrate the people and places you love every time you make a purchase! Put a favorite photo on your debit card.

Schedule of Miscellaneous Fees and Charges

Debit Cards

Your existing debit card will continue to function as normal.

eStatements

If you currently have eStatements, you will continue to have them. But if not, it’s easy to enroll.

Enrollment

Online Banking

• Log in and click on the Self Service tab.
• Select Paperless Statements then Statement Preferences.

Note: You must be enrolled in Firstar Bank’s Online Banking service prior to enrolling in eStatements.

CDs & IRAs

Very few account numbers will change. You will be notified well in advance if you are affected. Interest rates on fixed-rate CDs will remain the same until maturity.

Loans

Interest rates on fixed-rate loans will remain the same until maturity.

Very few loan account numbers will change. We will be in touch with those affected well in advance.

For customers who use a coupon book, you may continue to use your existing coupons to make payments.

After the upgrade, payment due notices will be mailed 15 days prior to the due date.

Safe Deposit Boxes

Your safe deposit box annual payment due date will not change.

What You Need to Know about Overdrafts and Overdraft Fees

We pay overdrafts at our discretion, which means we do not guarantee we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if the bank pays my overdrafts?

Under our standard overdraft practices:

• We will charge a fee of up to $30 each time we pay an overdraft.
• If your account is overdrawn for 4 or more consecutive days, we will charge an additional $1 per day.
• Consumer-purpose accounts will be charged a maximum of 5 items per day.

What if I want Firstar Bank to pay overdrafts on my ATM and everyday debit card transactions?

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, you can:

• Notify any bank employee by calling 866-681-1650
• Complete the form below and present it at any branch
• Complete the form below and mail it to 300 E. Main, Stigler OK 74462