BAC is here to help!

March 20, 2020

Dear Customer,

The recent news of the "shelter in place" order has brought new challenges to our community. Please know that BAC Community Bank is doing what we can to help. As always, but especially now, we are here for you.

How we can help.
We are your community bank, and offer a wide range of customized financial solutions to help get you through these trying times. And we are doing even more to support your banking needs:

All overdraft fees will be waived March 23rd through April 6th
All CD early withdrawal penalties will be waived through April 30
If you opted in to the Overdraft Protection service and qualify for an increase, your limit will automatically be increased from $700 to $1,200 effective Wednesday, March 25th.
Mobile Deposit limits are increased to at least $2,500 for consumers and $5,000 for business accounts (and may even be higher based on your unique situation)
A collection of our communications and additional resource links from reputable authorities can be found at www.bankbac.com/covid-19.

Our Community Commitment.
Just as we are doing all we can to help our customers in this crisis, we feel just as strongly about supporting the local business community. BAC has begun ordering boxed lunches from local businesses to be delivered to our essential employees at all branch and corporate locations every Friday. While we may not be able to give local businesses our patronage in person right now, there is much we can do to show our support. Please join us in supporting your favorite local business.

Your money is safe and secure.
At times like these, it’s natural for you to feel concerned about the safety of your money. There are plenty of opportunists, fraudsters, and alarmists spreading false information about the safety of bank deposits and FDIC insurance. We want to remind you that your deposits are safe in our bank and federally insured by the FDIC. The standard deposit insurance coverage limit is $250,000 per depositor, per FDIC-insured bank, per ownership category. For more information, visit www.fdic.gov/deposit/deposits/faq.html, and view helpful FAQ’s at https://www.fdic.gov/coronavirus/faq-customer.pdf.

Avoid Coronavirus Scams.
Please refer to the official Federal Trade Commission website for great tips on how to avoid Coronavirus scams: https://www.consumer.ftc.gov/features/coronavirus-scams-what-ftc-doing.

Safety is a priority.
We are doing everything we can to protect your health, and the safety of our employees. While our branches remain open to serve your needs, we ask that you work with us to provide the safest environment possible. During this time, please follow these safety measures when visiting a branch:

The branch lobby should be used for complex transactions only. For our safety and yours, please use a Drive-Up window, ATM, Night Depository mail slot, or an online or mobile banking option for all routine business.
If you have a complicated transaction, please call the branch ahead of time to make an appointment so that an associate is prepared to assist you in a timely manner.
When waiting in line, please maintain at least a 6-foot distance between you and the next person, as recommended by public health officials.
If you choose to wear a face mask, please temporarily remove it before entering the branch so that an associate can identify you.
If you are not feeling well or have any symptoms such as fever, cough, or shortness of breath please use a Drive-Up window, ATM or Night Depository mail slot, or an online or mobile banking option.

Our online banking and mobile app services allow you to manage your accounts from the comfort of your home. You can view balances and transaction history, make transfers and pay bills. You can even securely deposit checks at your convenience with our Mobile Deposit service. Learn more about mobile banking or check out our “How To” videos at www.bankbac.com/mobile.

Please visit our website for the most current updates about our COVID-19 measures and other helpful hints at www.bankbac.com/covid-19. If you have questions about your account, please reach out to your relationship manager, your branch, or contact us at 877-226-5820.

We hope you and your family are healthy and safe. As always, please let us know if there is anything we can do for you.

It is a privilege to serve you.