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General Account Information

For Former Santander Bank Customers

Deposits

Direct Deposit and Automatic Payments: All direct deposits, recurring deductions or payments scheduled to take place through September 6, 2019 will occur without interruption. Beginning Tuesday, September 3, notify any automatic deposit or payment service providers of your new routing number, 043306826, effective September 7, 2019. This needs to be done by Friday, October 4, 2019. We've created a form to help you switch.

In most cases, your checking account number will stay the same. If your account number is changing, you were notified in a letter sent on August 2, 2019 and you will need to provide your new account number to service providers as well.

Santander checks and automatic payment and deposit activity using the Santander routing number will continue to be processed through December 9, 2019. If you want to validate any automatic payments or deposits made to your account during the changeover weekend, you can do so on Monday, September 9, by visiting a First Commonwealth office, utilizing First Commonwealth’s Online Banking, or contacting our Engagement Center (customer service) at 800-711-BANK (2265).

Account Statements: First Commonwealth provides monthly statements of checking, savings and money market account activity. If you currently receive statements in a frequency other than monthly with Santander, you will receive monthly statements after September 9. Certificate of Deposit (CD) customers will not receive a monthly statement, but can add CD accounts to their checking, savings or money market statements for monthly tracking. To learn more about combining your statements, visit your local office or contact us at 800.711.BANK (2265). You can also enroll in eStatements to view all of your statements in Online Banking. See below for details.

Santander account history will not transfer to First Commonwealth. On September 6, 2019, Santander will send a final statement with all checking, savings and money market account activity since your prior statement through September 6. Customers will continue to receive statements from us on their normal statement date, and the first statement will include activity from September 7, 2019 through the statement date.

eStatements: If you receive Santander paperless statements, they will continue at First Commonwealth. To set up multiple users to receive email notifications, select the “Additional Recipients” option on the eNotices tab in your new Online Banking. You can receive additional notices and statements electronically, including past due notices, sweep transfers, opt-in confirmation notice, and automatic renewal notices. Simply enroll under the eNotices tab.

Account Numbers: In most cases, your checking account number will stay the same. If your account number is changing, you were notified in a letter sent on August 2, 2019.

Checks: New personal checks with the First Commonwealth Banking routing number 043306826 will be mailed on August 23. You can use your Santander checks without interruption through Friday, September 6. If you've had an order of checks from Deluxe within the last two years, we will send you the same style of check as your previous order starting with the next check number after your current supply. If you have not ordered in the last two years, or you had a custom check package, personal accounts will receive a standard check style starting with check number 1001. Business account holders will receive a phone call from Deluxe to determine the package best suited for your business needs. If Deluxe is unable to discuss the business check options with you, a standard check style will be mailed for your use until you place an order. Please wait until Saturday, September 7 to use your new checks. Santander checks will continue to be processed through December 9, 2019.

Debit Cards: You can use your Santander business or personal debit card without interruption through Friday, September 6 at 9:59 p.m. We will mail your new First Commonwealth Bank Mastercard debit card on August 20, 2019, and you can expect to receive it in a plain white envelope within 7 - 10 business days. You can activate your new card at any time after receiving it by calling 1-866-392-9952 and following the instructions, including choosing your new personal identification number (PIN). This is the same phone number you will call to reset your PIN going forward. Your First Commonwealth card can be used beginning Friday, September 6 at 10:00 p.m. Your new card can also be used as your ATM card. You’ll want to remember to change any debit card information that might be linked as a payment source to sites like PayPal and Amazon®.

Manage the security of your card by calling us at 800-711-BANK (2265) or via the SecurLOCKTM EQUIP app, where you can turn your card on and off, set alerts and more. These settings won’t be available to you within Online Banking. Any travel alerts already set up on your Santander debit card will need to be re-established for your First Commonwealth Bank debit card. Once you activate your card, call our Engagement Center (customer service) at 800-711-BANK (2265), and we can place the alerts for any existing or new travel plans.

ATMs: Beginning at 10:00 p.m. on Friday, September 6, you can access all First Commonwealth Bank ATMs from Central Pennsylvania to Cincinnati in addition to 55,000 surcharge-free ATMs worldwide through the Freedom Alliance and Allpoint networks, including ATMs at popular sites like Rite Aid, Target, Giant Food Stores as well as the Santander-branded ATMs in CVS stores you may already be accustomed to using. You can download the Allpoint app to quickly find an ATM wherever you are. If you do happen to need to use a non-First Commonwealth ATM that isn’t part of the Freedom Alliance or Allpoint networks, a foreign ATM fee of $2.50 will apply for all account types. Additional fees may be charged by the ATM provider.

During the changeover weekend, the ATMs switching from Santander to First Commonwealth will become available as they are updated. Balance inquiries may not be available during this time. ATM limits for the changeover weekend may be different than what you are used to. Contact us at 800-711-BANK (2265) for those limits. The limits you had with Santander will resume on Monday, September 9.

CD and IRA CDs: Santander CDs and IRA CDs with quarterly, semi-annual or annual compounding will remain the same until the first maturity date after the changeover; at which time they will assume monthly compounding. You will receive a notice from First Commonwealth before maturity, allowing you time to make any renewal decisions during the 10-day grace period following the maturity date. You can choose between terms of 90 days to 60 months. Contact us at maturity for current rates by calling 844-711-BANK (2265).

All IRA customers will receive an annual statement each January showing prior year activity and fair market value. In January 2020, IRA customers will receive their tax statements from Santander for the period of January 1, 2019 through September 6, 2019. They will also receive a tax statement from First Commonwealth for the period of September 7, 2019 through December 31, 2019.

Holiday Club Accounts: Holiday club accounts will pay out on October 15, 2019. We will use the same payout method (check or direct deposit) you have set up currently with Santander.

Overdraft Protection: If your Santander checking account is linked to a line of credit or savings account for overdraft protection, your overdraft protection will continue without interruption. If you have a Hometown Checking Account, you are eligible for free Overdraft Protection Transfers from any linked Hometown Savings account. If you have a Hometown Checking Account + Interest + Solutions account, you are eligible for free overdraft protection from any linked First Commonwealth account. There is no minimum amount for an overdraft protection transfer at First Commonwealth. Transfers from the linked First Commonwealth account will be for the exact amount needed including the fee (if applicable) and are limited to the available balance in the linked account.

Beginning Monday, September 9, stop by a First Commonwealth office or contact our team at 800-711-BANK (2265 to link a savings, money market, checking, or line of credit to your First Commonwealth checking account as a funding source.

Overdraft Elections: Your Santander “Some Overdrafts” and “All Overdrafts” elections will continue with First Commonwealth. If you HAVE NOT opted in for Santander to authorize and pay ATM and everyday debit card transactions on your account (known as "SOME" overdrafts with Santander), this choice will continue with First Commonwealth and will now be referred to as being "Opted Out." If you HAVE opted in for Santander to authorize and pay ATM and everyday debit card transactions on your account (known as "ALL" overdrafts with Santander), your authorization will continue with First Commonwealth and will now be referred to as being "Opted-In." To discuss or change your First Commonwealth overdraft elections, contact us at 800-711-BANK (2265).

Safe Deposit Boxes: There will be no changes to your Safe Deposit Box account. Autodraft elections for payments will convert over to First Commonwealth.

 

Loans

Loan Transfer and Servicing: Effective, Saturday, September 7, 2019, your Santander loan is changing to First Commonwealth Bank. Beginning Saturday, September 7, all payments on your loans should be remitted to First Commonwealth Bank, Payment Processing Center, P.O. Box 537, Indiana, PA 15701. You can also make payments at a First Commonwealth office or within Online Banking from a First Commonwealth checking or savings account. For service inquiries, simply call our Engagement Center (customer service) at 800.711.BANK (2265). As a reminder, you will still be responsible for any outstanding Santander Bank loan bills. Loan payments made to Santander will be processed through December 9, 2019.

Tax Reporting for Real Estate-Secured Loans: Customers may receive two tax statements for 2019. Santander will send customers a tax form for the period of January 1, 2019 through September 6, 2019. A tax form from First Commonwealth will be provided for the period of September 7, 2019 through December 31, 2019 if the amount of interest paid to First Commonwealth is greater than $600.

Credit Bureau: We will notify the credit bureau that your loan is transferring from Santander to First Commonwealth. If you subscribe to a credit bureau monitoring service, please note that this notice may generate a notification of a transaction on your credit bureau initiated by First Commonwealth. First Commonwealth does not utilize credit bureaus to report commercial loan activity. If a trade or business credit institution requires a credit reference, the request can be submitted to your local community office, and we'll be happy to take care of that for you.

Automatic Loan Payments: If your loan is on autodraft (or ePay as it is referred to with Santander) your payment will continue to be deducted from your account without interruption. First Commonwealth does not send out a confirmation statement notifying you the autodraft took place.

Consumer Installment Loans: If you currently receive a monthly billing statement for a Santander unsecured, secured auto loan, or personal loan secured by a deposit account, you will receive a new First Commonwealth Bank coupon book in the mail at the end of September. If you are on autopay, your payment will continue to be deducted from your account as usual. Call us at 800-711-BANK (2265) with any questions regarding your coupon book. Your past due notices may be mailed at a different time of month than you have received it in the past.

Home Equity Lines of Credit (HELOC) and Personal Access Lines (PAL) Access: With your First Commonwealth HELOC or PAL, you can advance funds in any amount up to the available balance. We will mail you new checks, linked to your HELOC or PAL, on Friday, August 23. You can begin using them on Saturday, September 7. You may also initiate an advance in person at a local office or, if you have a deposit account with us, you can make advances through Online Banking or by calling us at 800-711-BANK (2265).

Overdraft protection lines of credit will be converted to our Personal Access Line (PAL) product and will continue to provide overdraft protection through automatic transfers to any linked First Commonwealth account up to the available balance. You'll receive a detailed monthly billing statement including balance information, previous payments, late charges, annual fees, etc. You will no longer receive separate bills for those charges. The statement will indicate whether a payment is enrolled in autodraft (or ePay as it is referred to with Santander) or if it needs to be submitted upon receipt of the bill. You can enroll in eNotices - please refer to the eStatement section above for details. Annual fees assessed to HELOC and PALs will be capitalized, meaning they will be added to the principal balance of your line, on the day the fee is assessed. Your past due notices may be mailed at a different time of month than you have received it in the past.

Real Estate Loans: With your First Commonwealth Home Equity or Mortgage loan, you'll receive a detailed monthly billing statement including balance information, previous payments, late charges, annual fees, etc. You will no longer receive separate bills for those charges. The statement will indicate whether a payment is enrolled in autodraft (or ePay as it is referred to with Santander) or if it needs to be submitted upon receipt of the bill. You can enroll in eNotices - please refer to the eStatement section above for details. Billing statements and past due notices may be mailed at a different time of month than you have received it in the past. Customers with escrow will receive a final escrow analysis statement from Santander showing all activity since your last escrow statement. We will send yearly escrow analysis statements on the normal schedule, which means some customers may receive both statements in October.

Commercial Loans: Most commercial loan account numbers are not changing. If your account number is changing, we will mail you a letter on August 9. You will notice a difference in how your account number is displayed. Previously, it was split into two separate numbers, indicating a customer number and a loan number. As part of the changeover, we will combine these numbers to form one 10-digit number. Commercial loan customers will receive a detailed monthly billing statement that includes balance information, previous payments, late charges, annual fees, etc. You will no longer receive separate bills for those charges. The statement will indicate whether a payment is enrolled in autodraft (or ePay as it is referred to with Santander) or if it needs to be submitted upon receipt of the bill. To help you manage your commercial loan payments, we will provide you a 10-day past due notification. You can also enroll in eNotices - please refer to the eStatement section above for details. If you have any questions, call us at 800-711-BANK (2265).

Commercial Lines of Credit: If you had check access to your Santander commercial line of credit, you will also be able to advance funds from your First Commonwealth line of credit by check. Your new checks, which are linked directly to your line of credit, will be mailed to you on Friday, August 23. You can begin using them on Saturday, September 7. Remember to destroy your Santander checks. You may also initiate an advance in person at a local office, or, if you have a deposit account with us, you can make advances through Online Banking or by calling us at 800-711-BANK (2265).

Credit Cards: Santander credit cards are not included in the accounts transferring to First Commonwealth, and will not be part of the changeover. You will continue to receive statements from and remit payments to Santander.

Collateral Secured Loans: If your Santander loan is secured by collateral like your home or car, your insurance company will need to change the insurance policy covering the collateral to name First Commonwealth as the insurance policy’s Mortgagee/Loss Payee and update the address to First Commonwealth Bank, ISAOA/ATIMA, 654 Philadelphia Street, P.O. Box 400, Indiana PA 15701. Please have your Insurance Agent send us your current insurance policy for any collateral held on loans. Policies can be sent to us via fax at 724.463.5669 or email at LIFTteam@fcbanking.com.