Welcome to RBC Bank.
A guide to your personal accounts.
What you’ll find in this guide.
Let’s do something giant!
General information 3
Your RBC Bank deposit accounts
8
Checking
9
Now that the account conversion date is near, we’re
Savings & money market
12
pleased to extend a warm welcome to you. We also want
CDs
13
Your RBC Bank loan accounts
14
Personal loans
15
Home equity
16
Credit cards
16
Mortgages
16
Residential construction
17
Internet banking
18
Online Banking and Bill Pay 19
RBC Bank locations
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to provide important information about RBC Bank™ and
the changes you’ll see in your products and services.
You’ll have more places to bank — 430 locations and an ATM
network stretching across the Southeast, including Florida,
Georgia, Alabama, Virginia, North Carolina and South Carolina.
You’ll enjoy the benefits of a free rewards program associated
with your debit card. You’ll be able to draw on the resources of
a large regional bank. You’ll still enjoy helpful, friendly service
from our client service staff — many of whom you already know.
Most important of all, you have our commitment to helping you
reach your goals by providing the financial advice and tools
you need. We look forward to getting to know you and learning
what’s giant to you in the different phases of your life.
As you read through this brochure and the other enclosed
materials, please know that we’re here to assist you in
any way we can. If you have questions, you can visit your
current bank branch. If you prefer, go to your current
bank Web site and click on the RBC Bank logo. You can also
send us an email at rbcmerge@rbc.com. Or, call our
Welcome Hotline at 1-888-769-2544.
1
Important
information for
you to know.
This brochure is designed as an introduction to RBC Bank
and to your new accounts and services. Every effort has
been made to give you products very similar to what you
general information
have now, but there will be some differences. In this
section, we’ll describe some of the changes that will
affect all clients.
To learn more about your specific accounts, please see
your enclosed personalized Account Summary. Find the
names of your new accounts. Then, look in this brochure
— and in the account disclosure booklet — for details
about your RBC Bank accounts and any changes.
2
Who we are
A financial services company,
headquartered in Raleigh, North
Carolina, offering a wide range of
financial services and advice, including
a complete line of banking and mortgage
services, to individuals, businesses
and public institutions throughout
the Southeast.
Since 2001, we have been a wholly
owned subsidiary of Royal Bank of
Canada, which makes us part of one
of the largest financial services
companies in North America. But
our roots are in community banking
— we’ve been taking care of clients
in the Southeast for over 100 years.
We’ve been steadily growing over that
time, and some of you may already be
familiar with us and our commitment
to deliver giant things for our clients.
Currently, our network includes more
than 380 full-service banking centers,
an extensive ATM network, and
telephone and Internet banking.
Your new bank name
We just recently went through a change
of our own. In early April, RBC Centura
Bank became known as RBC Bank.
It will take time to complete changes
in signage, so you may see locations
with either of our names. Please be
assured that it is all the same bank,
with the same range of products and
friendly client service.
Welcome Hotline 1-888-769-2544
3
The account conversion
Your branch will close at 2:00 p.m.
Central Standard Time (CST) on Friday,
June 20, 2008, and accounts will be
changed to RBC Bank. All account and
service conversions will be completed
over the weekend. Your branch will
reopen at normal hours as RBC Bank
on Monday, June 23, 2008.
Accessing your
checking account funds
Over the conversion weekend, you will
still have access to your accounts by
writing checks or by using your new
RBC Bank Visa* Check Card (debit
card) or ATM card. Please note you
must activate your new card first.
You will receive your new card the
week of June 9, 2008, and should
activate it upon receipt. Please do not
use your new card until after 4:00 p.m.
CST on Friday, June 20. Please
destroy your old debit or ATM card
at that same time. You will have
limited funds availability for point-ofsale transactions and ATM withdrawals
until 8:00 a.m. CST on Sunday, June 22.
At that time, your new daily limits
will apply. Your daily spend/withdrawal
limits may change — please refer to
the enclosure you receive with your
new card. You can use your new RBC
Bank card at any ATM. There is no
charge when you use an RBC Bank
ATM or Presto!* brand ATM at Publix
Super Markets.
Changes to your accounts
You’ll have new accounts with new
names. We have made every effort to
give you the same or similar features,
but there will be some differences.
Review the personalized Account
Summary and the account disclosure
information in this Welcome Kit, plus
product descriptions in this brochure,
to see your new account features.
We expect you’ll be happy with your
new accounts. But if you have any
questions or concerns, please let us
know. We will be glad to help you
select different products, where
possible, beginning June 23, 2008.
Account numbers
All deposit and loan account numbers
will change. Review your personalized
Account Summary to see your current
account name and number with your
new account name and number next
to it. In some cases, we did not list
your new loan account or card number,
but it will appear on your first RBC
Bank statement.
Debit/ATM cards
If you have a debit or ATM card to
access a checking account, you’ll
receive a new RBC Bank Visa Check
Card with free rewards. If you have
an ATM card to access just a savings
account, you’ll receive an RBC Bank
ATM card.
activating your card
Banking for all
the big and little
things in life.
We understand
they’re all
important to you.
4
Your current card will stop working
at 2:00 p.m. CST on Friday, June 20,
2008. Your RBC Bank card will arrive
the week of June 9, and will include
activation instructions. You may
activate your new card upon receipt.
Please do not start using your card
until after 4:00 p.m. CST on Friday,
June 20, 2008.
your pin
You’ll receive a separate mailing with
a new personal identification number
(PIN) for use with your new RBC Bank
card. If you like, you can change
your PIN at any RBC Bank ATM after
4:00 p.m. CST on Friday, June 20, 2008,
but you will need the original PIN you
receive in the mail in order to change it
to one you prefer.
After 4:00 p.m. CST on Friday, June 20,
you can begin using your RBC Bank
Visa Check Card (your debit card) at
any ATM (with limited funds availability
— see page 4 regarding account
access). You can also use the check
card to make purchases — in person,
over the phone, or online — anywhere
Visa cards are welcome. It’s like using
a check — the purchase amount comes
directly out of your checking account.
When you make a check card purchase,
be sure to request a signature
purchase or select “credit” instead
of a PIN purchase. That will qualify
your purchase for rewards points.
Visa check card rewards program
One great benefit of becoming an
RBC Bank client is that your Visa Check
Card allows you to qualify for our free
rewards program. Here’s how it works:
make a purchase anywhere Visa cards
are accepted. Use your card and sign
for your purchase — the amount will
be deducted from your checking
account. By making it a signed (not
a PIN) purchase, you’ll earn points
towards great rewards like free
flights, hotel stays, gift cards, and
merchandise from all kinds of national
5
retailers. Look for more information
in the RBC Bank Visa Check Card
mailing you’ll receive prior to the
account conversion.
Wealth management
If you currently have Trust or Asset
Management services through First
American Bank, your accounts will
transfer to RBC Bank Private Asset
Management. In the next few months,
you will receive a letter from your
current administrator regarding the
transition in June. There will be no
changes to your actual accounts or
administration process. If you have
brokerage accounts through NBC
Securities, those accounts will stay the
same, and NBC Securities will become
a subsidiary of RBC Bank in June.†
Internet banking
If you currently have Internet banking,
it will be converted to RBC Bank Online
Banking and Bill Pay. Please refer to
page 18.
Direct deposit
and automatic debit
If you’re using either of these services
with your deposit account, they should
continue uninterrupted. RBC Bank will
send a Notification of Change to the
originators of your electronic service
requesting a change to your new
account and routing numbers. Your
new RBC Bank routing and transit
number in Alabama will be
053100850, and in Florida it will
be 067012882. Please contact the
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originator after the conversion to
confirm the change.
Wire transfers
Effective June 23, 2008, please use
your new RBC Bank account number
and routing number (Florida will be
067012882 and Alabama will be
053100850) for all wire transfers.
If this new information is not used, it
could result in a delay in the receipt
of the wire transfer.
Pre-authorized debit
card payment services
If you have recurring payments set
up on your current debit card, you will
need to contact the payee following
the account conversion to provide
your new RBC Bank Visa Check Card
number and expiration date. After 60
days from the conversion, any payment
made with your old account number
will be returned to the payee.
Gift/pre-paid cards
If you have a pre-paid Visa gift card
with your current bank, it will still
be valid. Continue to access and use
the card just as you do now.
Safe deposit boxes
If you now have a safe deposit box,
you will keep the same box and
location unless otherwise notified.
Monthly service fee waivers
We will waive the monthly service
charge associated with your new
RBC Bank checking accounts through
your August 2008 statement. Please
note that other fees (e.g., overdraft
fees, non-sufficient funds, non-RBC
Bank ATM charges) will still apply.
For information on avoiding monthly
service fees, see the chart on pages
10-11. For complete details on account
fees — including any changes — see the
enclosed account disclosure.
Statements
Your new deposit and loan account
statements will be as close to your
current statement date as possible, but
there may be changes. Your last
statement from your current bank
will be as of June 20, including interest
accrued through June 20. You’ll receive
your first RBC Bank statement between
June 26 and July 26, 2008.
If you currently receive e-statements,
you will begin receiving monthly
statements by mail after the account
conversion. If you have a duplicate
statement mailed to a separate
address, this service will continue.
Overdraft protection (ODP)
RBC Bank does not charge an annual
fee for overdraft protection (ODP).
If your checking account is linked to a
single account for overdraft protection,
the account linkage will continue after
conversion. To see what overdraft
options are available with your new
checking accounts, review the table
on pages 10-11. For more information
on your ODP credit line, please see
page 15 of this brochure, as your
terms and conditions will change.
Interest information
If you have an interest-bearing
account, whether checking or savings,
your interest will be compounded and
paid monthly. For more details, please
see the account disclosure booklet.
FDIC insurance
RBC Bank is a member of the FDIC, and
deposits are insured as provided under
FDIC rules and regulations.
For clients who hold deposits in any
two or more of both RBC Bank and any
Alabama National BanCorporation (ANB)
banks (listing on page 25) prior to the
conversion date, the deposits, other
than CDs, from each institution will
continue to be separately insured in their
respective ownership categories for six
months following the acquisition date.
CDs will continue to be separately
insured in their ownership categories
until the earliest maturity date for each
individual CD after the end of the sixmonth period following the conversion.
CDs that mature during the six-month
period and are rolled over for the same
term and in the same dollar amount
(either with or without accrued interest)
will continue to be separately insured
until the first maturity date after the
six-month period. A CD renewed on
any other basis (different term or dollar
amount), or not renewed to become
a demand deposit account, will be
separately insured only to the end
of the six-month period.
Please note that federal law provides
for insurance coverage of up to
$250,000 for self-directed retirement
accounts, including IRAs.
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Personal checking accounts
Your checking account will be
transferred to an RBC Bank checking
account on Friday, June 20, 2008.
Please read the following important
information about RBC checking
accounts, and see the chart on pages
10-11 for account features.
Free RBC Bank Visa check card
with free rewards
DEPOSIT ACCOUNTS
Checking, savings,
money market, CDs.
In the following pages you’ll find information about
RBC Bank’s deposit accounts — checking, savings,
All RBC Bank checking accounts come
with an RBC Bank Visa Check Card (debit
card) at no charge. You can use it at
the ATM to get cash, check balances,
make deposits, and conduct other
transactions. Even better, use it to make
purchases and you’ll qualify for our RBC
Bank Rewards program. If you currently
have a debit card, you will automatically
receive an RBC Bank Visa Check Card.
Your checking account number
money market, and CDs. If you currently have one or more
This will change. Review the enclosed
Account Summary to see your new
RBC Bank account name and number.
types of deposit accounts, see the enclosed Account
Checks and deposit slips
Summary to find the names of your specific RBC Bank
You can continue to use any current
checks and deposit slips until you
need to reorder. At that time, we’ll
assist you in ordering new checks
with your updated account number
and routing number.
accounts. Then come back to this section to learn about
the features and benefits of your new accounts.
cancelled check images online at
any time.
If you are being converted to a Free
Checking account, you’ll receive Check
Safekeeping service instead of getting
cancelled checks back. This means we
keep copies of your cancelled checks
on file for seven years.
WORKING FOR YOU program
If you currently have the Benefits
Banking account at First American
Bank or the Group Banking account
at First Gulf, it will be converted into
our Working for You program, which
includes our Select Checking account
with no monthly service fee.
Club benefits
If you have club benefits provided
by the Affinion Group associated with
your current checking account, you
will receive a separate mailing from
RBC Bank and the Affinion Group
about how to continue this package
of benefits.
If you have club benefits provided
by the Econocheck Corporation
associated with your current checking
account, these features will discontinue
at conversion. For details on your
new account, please review pages
10 and 11.
Multiple signature verification
Cleared check handling
For most accounts, RBC Bank uses
check imaging instead of returning
cancelled checks to you. In addition,
our Online Banking clients can view
8
For clients with checking accounts that
currently require multiple signatures
on checks, signature verification will
discontinue beginning Friday, June 20,
2008. Please be assured that checks
Welcome Hotline 1-888-769-2544
9
RBC Bank checking
products comparison
Free Checking
Senior Checking
Select Checking
ONE Account
Preferred Checking
$0
$0
$1,500 Checking or
$2,500 Combined
Deposits or Mortgage
$10,000 Checking and One
Check Card Usage per Cycle
$5,000 Checking or
$10,000 Combined Deposits or
$20,000 Combined Deposits + Line
Free
Free
$11.95 if Minimum Balance
Not Maintained
$29.95 if Minimum Balance
Not Maintained
$29.95 if Minimum Balance
Not Maintained
Not Included
Not Included
Included ($2,500 Insurance)
Not Included
Included ($5,000 Insurance)
Interest
NA
Yes, on Balances Over $1,000
NA
Yes, On All Balances
Yes, On All Balances
Online Banking and Bill Pay
Free
Free
Free
Free
Free
Overdraft Protection Options
Source: Line of Credit Only 1
Cost: $10.00 per OD
Source: Line of Credit, SAV, MM
Cost: $10.00 per OD
Source: Line of Credit, SAV, MM,
or DDA Cost: $5.00 per OD
Source: Line of Credit, SAV,
MM, or DDA Cost: No Fee
Source: Line of Credit, SAV,
MM, or DDA Cost: No Fee
Checks
Charge for All Check Orders
Free Basic Checks
Discount on Other Styles
Free First Order of Basic Checks
Discount on Other Styles
Free First Order of Basic Checks
Discount on Other Styles
Free Basic Checks
Discount on Other Styles
FREE Withdrawals at
RBC Bank ATMs
and Other Bank ATMs
FREE Withdrawals at
RBC Bank ATMs
and Other Bank ATMs
(Does Not Include Fee Another
Terminal Owner May Charge)
(Does Not Include Fee Another
Terminal Owner May Charge)
FREE Withdrawals at
RBC Bank ATMs
and Other Bank ATMs,
Plus Rebates on ATM Usage Fees
Charged by Other Banks
Minimum Balance
Monthly Service Fee
ID Theft Insurance / Recovery
ATM Withdrawals
FREE Withdrawals at
RBC Bank ATMs
FREE Withdrawals at
RBC Bank ATMs
Checks Returned
Safekeeping: Free
Images: For a Fee
Return: For a Fee
Safekeeping: Free
Images: Free
Return: For a Fee
Safekeeping: Free
Images: Free
Return: For a Fee
Safekeeping: Free
Images: Free
Return: For a Fee
Safekeeping: Free
Images: Free
Return: For a Fee
Safe Deposit Box
Optional (for a Fee)
Free (Small Box) or
Discount on Larger Box
Optional (for a Fee)
Optional (for a Fee)
Free (Small Box) or
Discount on Larger Box
RBC Bank Visa Check Card
(Debit Card)
Free — Plus Free Rewards
Free — Plus Free Rewards
Free — Plus Free Rewards
Free — Plus Free Rewards
Free — Plus Free Rewards
Add a Savings Account
Standard Fees and
Minimum Balances Apply
Standard Fees and
Minimum Balances Apply
Free
Standard Fees and
Minimum Balances Apply
Free
Standard Fees Apply
No Charge
Standard Fees Apply
Standard Fees Apply
No Charge
Standard Rates
Standard Rates
Standard Rates
Bonus Rates
Bonus Rates
Options Available
Options Available
Options Available
Options Available
Specially Priced MM for
Preferred Checking Customers Only
Travelers Checks
and Official Checks
CD Premium
Add a Money Market Account
1If you are converted to Free Checking from an account that has an existing non-credit-line source,
this will be maintained.
10
(Up to Four Per Month
Upon Customer Request)
Note: Please pay special attention to the features and benefits of your new
RBC Bank account. In some cases, the RBC Bank account may have the
same name as your current account, but the features are unique to RBC Bank.
11
will continue to process without any
interruption, but multiple signature
verification will no longer occur.
You can
always expect
something extra
when you’re an
RBC Bank client.
Personal savings and
money market accounts
Your accounts will be transferred to
RBC Bank on Friday, June 20, 2008.
If you have checks associated with
your current money market account,
please continue to use them. When
you need to reorder, we’ll assist you in
getting updated checks.
If you currently have personalized
deposit or withdrawal slips to
access your savings account, you will
not be able to use them after
June 20. For your convenience, blank
deposit and withdrawal slips can be
found at any RBC Bank location. You
can use these to write in your new
account number (you’ll find it on the
enclosed Account Summary).
Personal Savings
This is a good basic account that
helps you save while earning interest.
It offers the ability to easily access
your money when needed. The $5.00
monthly service fee is waived with a
daily minimum balance of $300. The
service fee will also be waived if you
are under age 18 or over age 65 or
have a senior savings account at your
current bank.
• Make withdrawals at RBC Bank
ATMs and teller windows
• Access your account online and
by phone
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• Interest compounded and paid
monthly on all collected balances
Money Market Reserve
This is a great account when you want
to earn the best rate possible while
still retaining ready access to your
money. Keep a daily minimum balance
of $2,500, and we’ll waive the $15.00
monthly maintenance fee.
• Make withdrawals at RBC Bank ATMs
and teller windows
• Access your funds by check, RBC
Bank Visa Check Card, Online or
phone banking, or pre-authorized
transfers to other RBC Bank accounts
• Interest compounded and paid
monthly on all collected balances
Preferred Money Market
This account has a competitive annual
percentage yield. You must maintain
a Preferred Checking account to qualify
for a Preferred Money Market account.
The $5.00 monthly service fee will be
waived if you maintain a $1,000 daily
minimum balance. To earn the highest
rates, a $10,000 balance is required.
• Make withdrawals at RBC Bank ATMs
and teller windows
• Access your funds by check, RBC
Bank Visa Check Card, Online or
phone banking, or pre-authorized
transfers to other RBC Bank accounts
Extra benefits
• Unique interest rates available
only to Preferred Checking/
Preferred Money Market clients
• Interest compounded and paid
monthly on all collected balances
Please note that excess withdrawals
from your savings or money market
accounts will be subject to a fee.
Federal regulation limits the number of
withdrawals and/or transfers that may
be made from a savings account by
telephone/PC transfer, pre-authorized
transfer, check or check card. You are
limited to six (6) withdrawals and/or
transfers from your savings account
each monthly statement cycle by preauthorized transfer, or telephone/PC
transfer (including any bill payments).
And, if the account permits transfers
by check or check card, no more than
three (3) of the six (6) limited transfers
may be by check. Please see the
enclosed account disclosure booklet
and review the Personal Schedule
of Fees and account disclosure
for additional account fees and
information regarding your new
RBC Bank accounts.
RBC Bank Certificates of Deposit
If you currently have a CD, there will
be no change to the interest rate or
maturity date until your CD matures.
Unless otherwise stated, all CDs are
automatically renewed. You’ll receive
a maturity and renewal notice if your
CD is less than $100,000 and is
automatically renewable with a term
greater than or equal to 30 days.
The grace period for renewable CDs is
ten days. If the term of your CD is 7-29
days, the grace period is five days,
and a renewal notice will not be sent.
If your CD is greater than $100,000 or
a CD with an original single maturity,
it will not automatically renew.
Additional deposits may not be
made to a certificate until maturity.
Withdrawal limits and penalties
associated with your current CD
will still apply.
If you have a CDAR with your current
bank, it will continue with no changes.
These are not listed on your Account
Summary with your other accounts.
13
Personal loans and lines of credit
Your loan accounts will be transferred
to RBC Bank. Please see the enclosed
Account Summary for specific
information about your new accounts.
Payments
LOAN ACCOUNTS
Personal loan products
and information.
Our personal lending products are just some of the
tools we use to help you make something giant
happen. Whether it’s a mortgage on your first home
or a vacation cottage — remodeling the kitchen —
or just getting new appliances — our loans and lines
of credit can help make a difference in your
financial life. This section will explain more about
the lending products we offer.
14
Your payment due dates for loans
and lines of credit should remain
the same. Please use your current
coupons until you receive new
coupons or a statement from RBC
Bank after conversion. Once received,
please destroy your old coupons and
begin using the new coupons or follow
the instructions on your statement.
In the meantime, simply write your
new account number (which you’ll
find on the enclosed Account
Summary) on your check and on
your old coupon and mail these
to: RBC Bank, PO Box 1070,
Charlotte, NC 28201-1070.
If you are currently using automatic
drafts to make loan payments, this
service will continue. However, please
make note of the following change.
You can draft the payment due (and
any additional amount you may want
to pay against the principal) only
on the due date. Drafts occurring on
other dates will not continue. RBC
Bank does not accept or aggregate
drafts initiated on other dates during
the month. This applies only to
automatic drafts. You may schedule
one-time or recurring payments to
your loan or line accounts via your
Online Banking.
Interest rates
Unless otherwise disclosed in this
brochure, your rate will stay the
same with one exception. If you have
a variable rate loan tied to your current
bank prime rate, the rate will change
to one based on RBC Bank Prime.
Please see the enclosed account
disclosure booklet for information
about rates.
Personal Installment Loan
If you have an installment loan
at your current bank, it will be
transferred to an RBC Bank personal
installment loan. Your current terms
and conditions will continue.
Overdraft Protection (ODP)
If you currently use a credit line for
overdraft protection, this service will
convert to an RBC Bank CreditLine
or CreditLine Plus account. You will
receive a separate statement for your
ODP account. Please note that the
terms and conditions of your ODP will
change — see the enclosed account
disclosure booklet for details.
If your current ODP credit line covers
more than one deposit account, your
local banker will contact you with
information about how your multiple
accounts may be covered.
Welcome Hotline 1-888-769-2544
15
Please note: ODP fees will be charged
to your checking account. Your credit
line account will no longer be charged
a usage fee. Normal interest charges
will apply for advances from the line
of credit. Please see the enclosed
account disclosure booklet for
more information.
RBC Bank Home Equity Line
RBC Bank CreditLine
Credit cards
RBC Bank’s CreditLine is a flexible
credit reserve you can draw on as
you need it, and use again as you
pay it off. CreditLine has a limit of
up to $2,999 and has a fixed interest
rate. You’ll enjoy the convenience
of flexible monthly payments and
automatic payments drafted from
your checking account. Please see
the enclosed account disclosure
booklet for additional details.
RBC Bank offers Visa credit cards
with competitive rates and our free
rewards program.
RBC Bank CreditLine Plus
For lines of credit $3,000 and over,
you can enjoy the convenience of a
variable rate with monthly payments
drafted automatically from your
checking account. Your variable
Annual Percentage Rate (APR) on
CreditLine Plus will be based on
The Wall Street Journal Prime Rate.
Please see the enclosed account
disclosure for more details.
RBC Bank Home Equity Loan
If you currently have a home equity
loan, your account will be transferred
to an RBC Bank Home Equity Loan
with the same terms and conditions.
Your monthly payments and payment
due dates will remain the same.
16
If you currently have a home equity
line, you’ll be transferred to an RBC
Bank Home Equity Line. You will
maintain your current rate and
payment terms after conversion.
You may continue to use your
existing equity line of credit checks.
If you have a MasterCard or Visa
credit card at your current bank,
it will be converted on July 10, 2008,
to an RBC Bank Visa credit card.
You will receive 1,000 bonus reward
points after the first use of your
new card. You will receive more
details and instructions in the mail
prior to conversion.
Mortgage Loans
If you acquired your mortgage loan
through your current bank and it is
currently being serviced by a servicing
agent other than your bank, there will
be no changes to your mortgage
servicing arrangement.
If your mortgage is being serviced by
your current bank for payments,
escrow arrangements, year-end tax
reporting information and other
services — and you receive a letter
notifying you that your mortgage
will transfer to RBC Bank — your
mortgage will be transferred to
Enjoy your
life and daily
routine. We’ve
got the banking
details covered.
RBC Bank’s Mortgage Servicing
Division beginning Friday, June 20,
2008. You will receive a separate
communication identifying any
changes to your mortgage loan
account, such as your account
number, payment alternatives,
payment mailing address, and
other service-related issues.
Please note that there will be no
interruption in service on your
account. Prior to the service transfer
date of Friday, June 20, 2008, please
continue to direct any payments
and questions about the servicing
of your account to your current bank.
For questions regarding the servicing
of your mortgage account after
Friday, June 20, 2008, please call
1-800-426-7073.
Residential Construction Loans
If you have a construction loan for a
residential property for personal use
and it is serviced by your current
bank, it will be transferred to RBC
Bank for servicing beginning Friday,
June 20, 2008. You will receive a
letter in the next few weeks with
information about your loan,
including instructions on making
draw requests.
Please note that there will be no
interruption in service on your
account, and you should expect no
change in terms from your original
agreement. Your account number
will change, as will the look of your
new statement.
Your monthly statement will reflect
your new account number, current
balance information, and any
payment due. It will also include your
new payment remittance address.
Please note: If you are a builder or
have a commercial construction loan,
please refer to the Builder Finance
section of the Welcome brochure for
business accounts.
17
Online Banking
Internet banking
Online services
make your life easier.
While we pride ourselves on our personal service,
we know there are times you just can’t do your banking
If you are using Internet banking
at your current bank, you will be
converted to RBC Bank Online
Banking. You may access your new
RBC Bank accounts through Online
Banking beginning Monday, June 23,
2008. Access to RBC Bank’s Online
Banking will be through our Online
site at www.rbcbankusa.com. Simply
select the Online Banking option
from the My Accounts drop- down list
on the upper right side of the screen
and click “GO.”
Bill Pay
If you are using the bill payment
feature of Internet banking at your
current bank, you will be converted
to Bill Pay at RBC Bank. Your billers
and scheduled payments (one-time
and recurring) will be converted.
at the banking center. So we’ve developed tools to
Please validate your billers and
scheduled payments immediately
upon logging in to Online Banking.
let you bank your way, anytime it’s convenient for you.
Funds Transfer
Transfers between your current
bank accounts will not be converted.
Once you log in to RBC Bank Online
Banking, you will need to establish
your one-time or recurring transfers
between your RBC Bank accounts.
User Name and Password
You will be assigned a new User Name.
Your new temporary PIN/Password will
be mailed to you prior to Friday, June 20,
18
2008. Once you log in to Online
Banking, you will be prompted to
change your User Name and Password.
Note: By using your User Name and Password
to access your accounts, you will confirm
that you have read and accepted the terms,
conditions, and fees outlined in the RBC Bank
Online Banking Service Agreement and
Electronic Disclosure. To view these disclosures
online, visit the Legal Notices & Terms of Use
section of www.rbcbankusa.com.
Termination of current
Internet Banking
You may access your accounts in
your current Internet banking until
Monday, July 21, 2008.
Funds transfers with a processing date
after June 22, 2008, will not occur.
You have until 12:00 p.m. CST Friday,
June 20, 2008, to initiate a bill payment
or transfer with a processing date
of June 20-22, 2008.
Additional Information
You will receive additional information
in the mail regarding your User Name,
Online Banking account, and Bill
Pay prior to Friday, June 20, 2008.
Please review the information carefully
and contact us with any questions
you may have at 1-888-769-2544.
If you want a “sneak preview,”
visit the Online Banking and Bill
Pay section of our Web site at www.
rbcbankusa.com/onlinebanking. This
site contains FAQs, demos, and more.
Welcome Hotline 1-888-769-2544
19
Florida
Alachua
1
4480 NW 152nd Ln
386-462-4000
Altamonte Springs
9
00 W State Rd
407-389-3770
Boca Raton
2
255 Glades Road #138 W
561-443-5400
1
401 N Federal Hwy
561-362-7950
Bonita Springs
Fort Lauderdale
Longwood
1
00 N Federal Hwy
Ste 104
954-627-6670
1
859 SR-434
407-998-8700
6
00 N Congress Ave
561-752-5061
6
355 N Andrews Ave
954-958-1080
2
38 S Orlando Ave
407-643-2960
Bradenton
1
01 NE 3rd Ave
954-627-6678
9430
Bonita Beach Rd SE
239-444-2500
Boynton Beach
7
366 52nd Pl E
941-727-6880
5
530 Cortez Rd W
941-792-4033
4
565 14th St W #110
941-727-2960
9
105 Town Center Pkwy
941-907-2360
Brandon
8
21 E Bloomingdale Ave
813-653-9904
Cantonment
4
00 S Hwy 29
850-968-4154
Clermont
1
201 W Hwy 50
352-394-8525
1
615 E Hwy 50
352-241-7005
1
820 S Hwy 27
352-241-2103
Cocoa Beach
4
350 N Atlantic Ave
321-868-6060
Delray Beach
1
50865 Jog Road
561-381-5280
Englewood
3
9 N Indiana Ave
941-548-2080
Flagler Beach
2
05 N Central Ave
386-439-5955
20
RBC Bank
is in the
neighborhood —
all over the
Southeast.
Fort Myers
3
000 Sarno Rd
321-254-2254
Gainesville
1
421 Gateway Dr
321-952-0808
Groveland
2
00 E Broad St
352-429-2131
Hollywood
Miramar
1
4495 Miramar Pkwy
954-322-5080
Mount Dora
1
8055 US Hwy 441
352-735-6161
Naples
1
858 N Young Cir
954-929-2590
9
190 Galleria Ct
239-596-5700
Jupiter
5
150 Tamiami Trl N
239-649-1500
6
20 W Indiantown Rd
561-741-1240
Kissimmee
8
321 Champions Gate Blvd
407-397-7137
1
818 N John Young Pkwy
407-933-7137
Lake Mary
4
309 W Lake Mary Blvd
407-268-3280
4
099 Radio Rd
239-436-3600
Newberry
1
05 SW 128th St
352-332-8110
Ocala
7
16 E Silver Springs Blvd
352-732-5141
Orlando
1
321 Heathrow Center Ln
407-333-5261
2
811 S Orange Ave
407-236-7420
Largo
1
240 N Missouri Ave
8
020 Conroy
Windermere Rd
407-532-8940
727-559-7996
Leesburg
9
29 N 14th St
352-323-6200
Locations of banks
that will convert
in June
Melbourne
1
6740 San Carlos Blvd
239-985-4700
1
807 NW 13th St
352-335-6161
Locations of banks
that converted
in April
Maitland
6
769 N Wickham Rd
321-752-2700
4
340 W Newberry Rd
352-335-0999
Current RBC
Bank locations
1
3583 Hunters Oak Dr
407-816-4870
Once the conversion is complete,
you’ll have access to 430 RBC Bank
locations and ATMs across
the Southeast.
6
50 S Alafaya Trl
407-249-8600
21
Current RBC Bank locations
Locations of banks that converted in April
Locations of banks that will convert in June
4
20 S Orange Ave #150
407-428-3400
3
260 Gulf Gate Dr
941-926-2790
1
000 Legion Pl #100
407-423-2950
5
520 Fruitville Rd
941-377-6036
Ormond Beach
1
020 W Granada Blvd
5
440 Clark Rd
941-925-9126
386-677-6966
3
275 University Pkwy
941-358-3045
1
28 E Granada Blvd
386-673-1744
Oviedo
1
700 E Mitchell Hammock Rd
407-971-8200
Palm Bay
5
240 Babcock St NE
321-956-1350
Palm Beach Gardens
Fayetteville
McDonough
1
00 Beckett Ln
404-495-6150
2
10 Jonesboro Rd
404-495-6200
Hiram
1
430 Pace Rd
Montezuma
1
15 North Dooly St
4
855 Briarcliff Rd
404-495-6940
770-439-0776
478-472-2331
3
475 Piedmont Rd NE
Ste 550
404-760-7733
5
604 Wendy Bagwell Pkwy
770-439-6535
Morrow
1
585 Southlake Pkwy
5
430 New Northside Dr
Ste 100
770-984-9091
Hogansville
404-495-6800
8
16 US Hwy 1
772-388-5800
1
11 High St
706-637-6621
NewNan
9
0 Glenda Trace Ste M
1
3035 US Hwy 1
772-388-1200
1
25 Perimeter Center W
404-495-6340
Jonesboro
770-251-1717
Seminole
1
1201 Park Blvd #10
2
93 Pharr Rd
404-467-5180
Sebastian
727-319-1800
2
875 PGA Blvd Ste 200
561-622-4700
Sun City Center
1
12 S Pebble Beach Blvd
5
070 PGA Blvd Ste 100
561-514-5680
813-633-6620
Palm Coast
2
35 Palm Coast Pkwy NE
1
8210 Collins Ave
305-918-2880
Sunny Isles Beach
7
906 Tara Blvd
404-495-6160
Kennesaw
3
155 Cobb Pkwy SE
Ste 100
404-495-6990
3
130 Cobb Pkwy NW
770-974-6556
1
614 Mount Vernon Rd
770-395-0009
1
417 Lafayette Pkwy
706-845-5025
2
900 Peachtree Rd NE
Ste 103
404-495-6350
1
01 N Greenwood St
706-845-5000
LaGrange
Norcross
3
320 Holcomb Bridge NW
Ste A
770-921-6400
Palmetto
9
115 Roosevelt Hwy
404-495-6570
Powder Springs
1
064 Richard D Sailors Pkwy
770-222-2780
Austell
1
795 Vernon Rd
706-845-5100
Rockmart
1
201 Nathan Dean Pkwy
2
913 Veterans Memorial Hwy
770-745-0604
3
06 Vernon St
706-845-5023
678-757-8500
Lawrenceville
1
034 Old Peachtree Rd
4
500 South Cobb Dr
678-842-5660
941-408-0180
5
000 Austell-Powder
Springs Rd Ste 102
770-948-9172
404-495-6100
Snellville
Pensacola
2
200 Airport Blvd
Vero Beach
9
58 20th Place
Buena Vista
1
03 North Broad St
3
95 Grayson Hwy
404-495-6180
2
550 Odum St
404-495-6760
850-478-4004
772-563-2300
229-649-2081
2
01 N Palafox St
850-435-8887
5
90 Beachland Blvd
772-231-1966
Cumming
1
640 Buford Hwy
1
85 Gwinnett Dr
678-541-8100
2
122 W Nine Mile Rd
850-473-1232
6
600 20th Street
772-563-2331
Port Charlotte
2
4123 Peachland Blvd #A14
Weston
4
499 Weston Rd
941-235-4620
954-306-4460
386-446-3115
2
1 Cypress Point Pkwy
386-445-9344
Panama City Beach
6
00 Grand Panama Blvd
Ste 100
850-230-5390
Tampa
4
221 W Boy Scout Blvd
Ste 190
813-357-6060
Venice
1
788 Tamiami Trl S
Port Orange
1
090 Dunlawton Ave
386-788-3309
Georgia
Port St. Lucie
4
408 Cobb Pkwy
770-975-6520
8
351 S US Hwy 1
772-807-4843
Rockledge
3
300 Murrell Rd
321-639-6696
St. Cloud
2
500 13th St
407-892-7137
Sarasota
3
500 S Osprey Ave
941-953-3170
22
Atlanta
7
5 Fifth Street NW
Ste A
404-495-6280
1
549 Ringling Blvd
941-951-4500
Acworth
Alpharetta
1
2885 Hwy 9
404-495-6210
678-965-5320
Dacula
3
350 Braselton Hwy
678-889-4100
Lilburn
4
94 Indian Trail Rd
404-495-6870
Lithonia
7
231 Rockbridge Rd
Decatur
2
710 Wesley Chapel Rd
770-413-3600
404-495-6970
6
20 Fontaine Rd SW
770-941-2100
Doraville
5
424 Buford Hwy
404-495-6110
Douglasville
6
125 Professional Pkwy
678-838-9900
Mableton
Macon
4
361 Rivoli Dr
478-405-7010
Marietta
Dunwoody
3
685 Dallas Hwy
678-331-1836
1
500 Mansell Rd
Ste 100
404-495-6720
1
300 Dunwoody Village Pkwy
404-495-6130
2
743 Chastain Meadows Pkwy
770-794-8900
1
725 Mount Vernon Rd
770-730-9965
2
863 Johnson Ferry Rd
770-993-5551
3
815 Mansell Rd
Ste 100
770-645-2025
Duluth
3
764 Old Norcross Rd
678-542-3960
1
111 Johnson Ferry Rd Ste 100
770-565-4492
1
1758 Jones Bridge Rd
678-746-1020
9
570 Medlock Bridge Rd
770-814-8100
5
320 Flynn Crossing Dr
770-619-1120
3
1 Atlanta St SE Ste 202
770-420-1050
Smyrna
Stockbridge
4
10 Country Club Dr
404-495-6050
Suwanee
3
265 Peachtree Pkwy
770-887-4705
Alabama
Alabaster
1
0745 Hwy 119
205-663-6395
Ardmore
3
0010 Ardmore Ave
256-423-4444
Ashland
8
3183 Hwy 9
256-354-2163
Athens
1
044 US Hwy 72 E
256-230-1000
3
09 W Washington St
256-230-1034
2
7453 Capshaw Rd
256-230-3883
Auburn
2
085 E University Dr
334-826-1150
1
605 S College St
334-887-8748
Bay Minette
5
11 D’Olive St
251-937-1207
Bayou La Batre
1
3825 S Wintzell Ave
251-824-2191
Bessemer
1
719 4th Ave N
205-481-3350
Birmingham
1
927 1st Avenue N
205-583-3600
9
648 Parkway East
205-583-3217
Dadeville
3
151 LawrencevilleSuwanee Rd
678-765-4980
2
42 North Broadnax Street
256-825-4284
1
052 Peachtree Industrial
Blvd
404-495-6230
2
211 Hwy 98
251-625-6770
Tucker
2
355 Main St
404-495-6400
Daphne
2
8770 US Hwy 98
251-626-3330
Decatur
Unadilla
2
233 Pine St
2
51 Johnston St SE
256-340-7000
478-627-3236
2
004 6th Ave SE
256-351-5080
Union City
4
650 Jonesboro Rd
404-495-6910
Vienna
1
00 West Union St
229-268-2056
1
715 Beltline Road SW
256-351-5070
2
404 Danville Road SW
256-552-9333
23
Fairhope
9
49 Fairhope Ave
251-928-8838
5
1 S Section St
251-928-3421
5
351 Hwy 90 W
251-666-5301
7
849 Cottage Hill Rd
251-631-3017
Foley
2
326 St Stephens Rd
251-470-5099
1
101 N McKenzie St
251-943-3000
1
402 Government St
251-432-2097
Gulf Shores
2
820 Springhill Ave
251-471-3499
2
50 W Fort Morgan Rd
251-968-2500
Hartselle
4
357 Old Shell Rd
251-340-6348
5
81 Hwy 31 NW
256-751-5000
3
250 Airport Blvd #4F
251-478-6301
Hoover
7
20 Hillcrest Rd
251-633-2339
2
720 John Hawkins Pkwy
205-421-2560
2
000 Meadow Brook
Lake Dr
205-991-5832
5
133 Cottage Hill Rd
251-660-2749
6
241 Cottage Hill Rd
251-660-7542
1
611 Montgomery Hwy
205-583-3206
3
942 Government Blvd
251-665-6295
Hueytown
3
059 Allison Bonnett Mem Dr
Montgomery
2
710 Taylor Rd
205-481-3370
Huntsville
1
00 Church St
256-519-6900
1
07 Lily Flagg Rd SW
256-881-1346
4
769 Whitesburg Drive S
256-650-4273
2
204 Whitesburg Drive S
256-532-4108
1
470 Perimeter Pkwy NW
256-721-7055
Irondale
1
801 Crestwood Blvd
205-583-3210
334-240-8463
5
375 Atlanta Hwy
334-240-8629
1
465 Eastern Blvd
334-240-8462
Moody
Pell City
3
08 Martin St N
205-338-2228
Prattville
1
882 E Main St
334-358-3301
Robertsdale
2
2516 Milwaukee St
251-947-7361
Saraland
3
4 Shelton Beach Rd
251-675-1211
Selma
9
Broad St
334-874-5432
Semmes
7
800 Moffett Rd
251-649-8602
Spanish Fort
5
00 Spanish Fort Blvd
251-626-5572
3
0500 State Hwy 181
251-625-4141
Springville
6
384 US Hwy 11
205-467-6194
Talladega
4
09 E Battle St
256-362-8784
Tuscaloosa
2
301 Moody Pkwy
205-640-2350
7
19 Skyland Blvd E
205-391-5765
Mountain Brook
3
31 University Blvd
205-391-5770
2
407 Canterbury Rd
205-583-3289
8
9 Euclid Ave
205-583-3230
Northport
2
330 University Blvd
205-391-5500
Tuskegee
1
02 W Rosa Parks Ave
334-727-1730
Madison
3
076 McFarland Blvd
205-391-5750
2
5 Hughes Rd
256-774-5060
Opelika
6
05 2nd Ave
1
15 N Chalkville Rd
205-421-2550
334-749-8361
3
501 Roosevelt Blvd
205-421-2500
7
930 Hwy 72 W
256-722-3078
Meridianville
2
426 Enterprise Dr
334-745-4052
1
2310 Hwy 231 N
256-829-2121
Orange Beach
2
5405 Perdido Beach Blvd
Millbrook
251-980-2160
3
725 Hwy 14
334-290-2619
Mobile
Banking across the southeast
Below is a list of the other neighbor banks that will
become RBC Bank locations once all account conversions are
complete. You’ll be able to enjoy banking center and ATM
banking at 430 sites all across the Southeast, from Florida to
Virginia, including Alabama, Georgia, North Carolina and
South Carolina.
Indian River National Bank
Florida Choice Bank
Community Bank Of Naples, N.A.
Georgia State Bank
Millennium Bank
First American Bank
CypressCoquina Bank
First Gulf Bank, N.A.
The Peachtree Bank
Alabama Exchange Bank
Trussville
Wetumpka
7
43 S Main St
334-514-5180
Pelham
3
000 Pelham Pkwy
205-663-4750
7
860 Airport Blvd
251-607-7121
3
920 Airport Blvd
251-340-8153
24
25
1-888-769-2544
© RBC Bank (USA) 2008
“Let’s do something giant” is a registered
trademark of RBC Bancorporation (USA). Used under
license.
® Registered trademarks of Royal Bank of Canada.
Used under license.
™Trademark of Royal Bank of Canada. Used under
license. RBC Bank is a trade name used by RBC
Bank (USA), and its branch offices operate under
this trade name.
* RBC Bank (USA), licensee of trademark.
† Securities and Investment Advisory services offered
through NBC Securities, Inc., Member FINRA and
SIPC. Investment products 1) are not FDIC insured,
2) not guaranteed by any bank and 3) may lose
value including a possible loss of principal invested.
NBC Securities does not provide legal or tax advice.
Recipients should consult with their own legal or
tax professional prior to making any decision with a
legal or tax consequence.
Member FDIC
RBC-012A
04/08