We’re happy you’re joining our growing family of customers!

 

Please view the Welcome Materials below to find out everything you need to know about the conversion of your B&L Bank accounts.
If you have any additional questions, our dedicated team is here to make it easy. Please contact your local bank representative or call
our Customer Service Center at 800.677.6272, option 3.

      ▪   CEO Message

      ▪   Welcome Guide

      ▪   Important Account Information

      ▪   How-To Guide for Enrolling in Online Banking

 

As we prepare for the conversion, please keep these important dates in mind:

Week of September 12th

New NASB VISA® debit cards will be mailed. You may activate and start using your new debit card on Monday, September 26th.
Please visit your local branch after Monday, September 26th to get a new ATM card.

 

Thursday, September 22nd

      ▪  B&L Bank Online Banking ends at 4:00 pm (NO ACCESS until Monday, September 26th) – If you are a current B&L Bank
         Online Banking customer, please continue to use B&L's 24-Hour Banking Site to access your accounts until this date.

      ▪  Please print your B&L Bank transaction history and E-Statements prior to this date.

      ▪  Payments can no longer be scheduled through Online Banking after this date. We recommend that you print your B&L Bank
         payment history, payee list and currently scheduled payments prior to this date. You will need to re-establish any online bill
         payments after you enroll in NASB Online Banking. Any payments scheduled to be paid prior to Thursday, September 22nd
         will be processed. All payments scheduled after September 22nd will need to be rescheduled with NASB.

 

Friday, September 23rd

All B&L Bank and NASB branches will close at their normally scheduled time at 6:00 pm.

 

Saturday, September 24th

All B&L Bank and NASB branches will remain closed for the conversion. Please note that while the branches may be closed,
you can withdraw cash using your debit card at the ATM throughout the weekend. Lower transaction limits will apply.

 

Monday, September 26th

      ▪  The NASB and B&L Bank computer systems merger will be complete and you will have full access to all NASB banking
         locations, ATMs, and products and services, including Online and Mobile Banking. For your convenience, please view a
         full list of free MoneyPass ATMs here.                                            

      ▪  To ensure prompt credit of any direct deposits and debits for automatic payments, you will need to provide your new
          account number to the merchant or service provider after September 26th.

      ▪  B&L Bank debit and ATM cards will be deactivated, and NASB debit and ATM cards will be activated. 

                -  If you have automatic payments from your B&L Bank debit card, you will need to contact your merchant or service
                   provider after September 26th to update your debit card information once your new NASB Visa® debit card is activated.

 

Friday, October 14th

Visit the Lexington or Odessa branch between 11 am – 1 pm for our Open House, as we celebrate our commitment to serving you
as our customer.

 

Frequently Asked Questions (FAQs)

Below are answers to some common questions you may have regarding the merger of NASB and B&L Bank. However, please feel free to reach out to your bank representatives with any questions or concerns, at any time.

Founded in 1927, North American Savings Bank (“NASB”) (pronounced NAZ-BEE) is a sound financial institution positioned for growth. We bring the strength, stability and expertise of a top-performing institution, and are committed to exceeding your expectations with an array of personal banking and lending products. B&L Bank customers will soon have access to NASB’s full range of products, including internet banking, bill payment and mobile banking services.
On Wednesday, July 13th the Lexington and Odessa branches re-opened as NASB. Over the weekend of September 23rd, we will integrate the accounts assigned to the Lexington and Odessa branches of B&L Bank into NASB’s system. On Monday, September 26th the Lexington and Odessa branches will fully operate as NASB.
Yes. You will find many of the same faces in your branch, as well as some new faces eager to help you with your financial needs.
Yes. Effective September 26th, the new branch hours for the lobby will be Monday – Thursday 9:00 am to 5:00 pm, Friday 9:00 am to 6:00 pm, and Saturday 9:00 am to 12:00 pm. New hours for the drive-thru will be Monday – Friday 8:00 am to 6:00 pm and Saturday 8:00 am to 1:00 pm.
Please contact your local bank representative. As a NASB customer, you also have access to a locally based Customer Service Center at 800.677.6272, option 3 from 8:00 am to 6:00 pm Monday – Friday, and 9:00 am to 12:00 pm on Saturday. Representatives will be able to answer your questions regarding changes to your account as well as any other services available at NASB.
Yes. Beginning September 26th, you may call NASB’s Personal Access Line (PAL) at 800.374.2636. When you access NASB’s Personal Access Line, you will be asked for your account number and your personal identification number, which will be the last four digits of your Social Security or tax identification (EIN) number. You will be prompted to change your personal identification number during your initial call.
There may be some changes to the terms and conditions of your account. B&L Bank accounts were carefully reviewed and matched to the NASB accounts they most closely resembled. In addition, we have some new products to offer you. Your banker is also available to review your accounts with you to assure they are the best accounts to meet your needs. Please read the product section in this guide to learn more about the products that have changed.
There will be no changes to the majority of account numbers. If your account number will change, NASB will provide more information in a separate mailing.
In most cases all deposits made at a branch location will process on the day they are deposited until close at 6:00 pm, but please note that Saturday is not considered a business day and deposits made on Saturday will be posted on the following business day.
No. You can continue to use your B&L Bank checks for up to two years after the conversion.
Please refer to your Important Account Information booklet for more details.
Yes. You may continue to use your current deposit and withdrawal tickets until September 23rd. On September 26th, new multi-purpose deposit/withdrawal tickets will be available in your branch. You may also continue to use your preprinted deposit tickets (provided your account number did not change).
NASB accrues interest on the current balance on interest-bearing checking and savings accounts. Interest on checking accounts is compounded daily and credited monthly. Interest on savings accounts will compound daily, and with the exception of Select III Savings, is credited quarterly.
All checking account statements will be produced at month-end. Your first statement following the date of October 31st, 2016 will reflect the title of your NASB product. If you currently receive E-Statements, you will need to re-enroll with NASB.
All savings account statements will be produced quarterly, with the exception of Select III Savings, which will be produced monthly.
If you currently receive E-Statements, you will need to re-enroll with NASB. E-Statements are available through NASB’s Online Banking on or after September 26th.
No. If you currently receive check images in your statements that service will no longer continue. You will be able to view check images in Online Banking.
Yes. There will no interruptions in your service. You should also be aware that if you have an automatic payment, arranged through a third party merchant, scheduled for the week of September 26th, that payment MAY be deducted from your account on Friday, September 23rd depending on how far in advance your merchant sends the payment request.
You will need to contact your merchant or service provider to update your card information once your new card is activated.
The automatic transfer will take place on the following business day. Pending transactions will not appear on your account prior to the transactions being posted.
NASB’s routing number is 301071631.
Please refer to the “Overdrafts and Overdraft Fees” section of the Important Account Information booklet for detailed information about NASB’s overdraft practices and the services we offer to help you manage your accoun(s).
Your B&L Bank CD or IRA will renew automatically, and will roll over at maturity to a NASB CD or IRA with a similar term. You will also continue to receive a notice prior to maturity. If you want to make changes to your CD or IRA, you will need to visit your local branch to discuss your options prior to the maturity date.

Please refer to the Important Account Information booklet included in this packet for grace periods and penalty information.
No. However, your required minimum distribution for the following tax year will be on your annual IRA statement.
Yes. NASB will issue a new Visa® debit card before the conversion on September 26th. Customers will need to come in to the branch after September 26th to get an ATM card.

Please note: You should continue to use your B&L Bank ATM or debit card until Monday, September 26th. DO NOT destroy your B&L Bank card or attempt to use your new NASB card until Monday, September 26th.
Yes. You will receive a new PIN in the mail within a day or two before or after your new NASB Visa® debit card arrives. You may change your PIN on or after September 26th.
You can activate your NASB Visa® check card by calling 800.448.8268 on or after September 26th.
Your Visa® debit card daily limits will be $1,000 for point of sale purchases and $500 at the ATM, with a total daily limit of $1,500.
Yes. NASB allows FREE ATM withdrawals at any NASB ATM and those within the MoneyPass ATM network. Transactions at non-NASB branded ATMs and those not in the MoneyPass Network are subject to surcharge fees by the ATM owner. Please visit nasb.com/ATM for a full list of free MoneyPass ATMs for your convenience.
If you are an online banking customer, you will NOT be automatically be enrolled in NASB’s Online Banking. Please print your B&L Bank transaction history and E-Statements prior to Thursday, September 22nd, 2016, since this information will not be available via NASB Online Banking. Please note: If you are not an owner or signer on an account, you will not have access to this account within NASB Online Banking.

If you currently make payments using B&L Bank’s online bill payment service, you will NOT be automatically enrolled in NASB’s Online Bill Payment service. Access to NASB Online Bill Pay will be available after you register for NASB’s Online Banking and set up Bill Pay on September 26th or later. We recommend that you print your B&L Bank payment history, payee list and currently scheduled payments prior to Thursday, September 22nd, 2016.

Any automatic payments scheduled to be paid prior to Thursday, September 22nd will be processed and debited from your account. All payments scheduled after September 22nd will need to be rescheduled with NASB.
Yes. Your deposit accounts will continue to be FDIC insured up to the applicable limits allowed by law.
The standard deposit insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. FDIC insurance covers all deposit accounts, including checking and savings accounts, money market deposit accounts, certificates of deposit, and deposits in IRAs.
If you are a deposit customer of both NASB and B&L Bank at the time of the acquisition, your deposits will have separate FDIC insurance coverage for a period of six months following the acquisition date. In the case of a time deposit, the coverage continues until the earliest maturity date after the six-month period. In the case of time deposits which mature within six months of the date of the acquisition and which are renewed at the same dollar amount (either with or without accrued interest having been added to the principal amount) and for the same term as the original deposit, the separate insurance applies to the renewed deposits until the first maturity date after the six-month period. Time deposits that mature within six months of the acquisition date and that are renewed on any other basis, or that are not renewed and thereby become demand deposits are separately insured only until the end of the six-month period.
The FDIC has developed a tool called EDIE the Estimator to calculate whether you are within the FDICcoverage limits at any FDIC-insured bank. This calculator is easy to use and is available at the FDIC website. Before you begin, identify all the deposit accounts that you have at B&L Bank and NASB. Then just follow the simple steps on EDIE the Estimator to calculate your coverage. For additional information regarding FDIC insurance coverage, we encourage you to visit the FDIC website at http://www.fdic.gov or call 877.ASK.FDIC (877.275.3342).
Yes, you may continue using your current coupon book through October 2016 payment. You will receive separate communication regarding any changes to your loan accounts in August and a new coupon book will be provided starting with your payment that is due in November. Please continue to use your existing coupon book to make payments until the new statements begin.
Yes. Loan payments will be credited on the same date received unless payment is received on a weekend or holiday. Those payments will post on the next business day.
The mailing address on statements produced on or after September 26th will have the following address: NASB, P.O. Box 808002, Kansas City, MO 64180-8002. You can also make payments through nasb.com or any NASB branch location.
If your payment is automatically deducted from a deposit account, those deductions will continue uninterrupted; no action is required on your part.
There will be no changes to the majority of account numbers. If your account number will change, NASB will provide more information in a separate mailing.