Welcome to CCFBank! 

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We are pleased to announce that Citizens Community Federal N.A. (CCFBank) will acquire Wells Federal Bank in August, 2017.  CCFBank is committed to providing you great customer service and products.

To help guide you through this transition, we would like to make you aware of the upcoming conversion details. We want to assure you we have been and will continue to work closely with the Wells Federal Bank team members to make the changeover as easy and seamless as possible.

The information below highlights dates and details regarding the conversion of your accounts to CCFBank. We offer innovative financial services designed to make banking easier and more convenient than ever. CCFBank is dedicated to delivering excellence and making your banking relationship simple. That being said, we encourage you to familiarize yourself with the products and services we offer and to use this information as a reference point. 

Once you have read through this welcome information, if you still have questions, talk with a CCFBank or Wells Federal Bank team member. We will be happy to speak to you. Stop by a Bank location or give us a call.

We are excited for the opportunity to provide the banking services that will help you achieve your financial goals. Welcome to CCFBank. 

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Conversion Weekend: August 25-27

Conversion Of All Accounts and Services: Wells Federal Bank will close at 5:00 p.m. on Friday, August 25 and reopen as CCFBank on Monday, August 28 at 8:30 a.m.  All Wells Federal locations will be closed on Saturday, August 26 for conversion changes. Regular Saturday hours will resume on September 2.  

Online Banking and Bill Pay will be unavailable from 5:00 p.m. on Friday, August 25 to 8:00 a.m. Monday, August 28.  Wells Federal mobile banking will no longer be available after Friday,  August 25.  


August 25:
Start to use CCFBank debit card.
For more information about your new CCFBank debit card see the important information tab below.


August 28:
Start to use CCFBank online and mobile banking.
Use your existing online banking credentials to login.

Important Information

  • Account Numbers: Your account number(s) will not change
  • Routing Number: You may continue to use your current routing number after the merger with CCFBank even though CCFBank customer communication indicated the need for you to change to CCFBank’s routing number. Both routing numbers will work after the merger is completed. We sincerely apologize for the confusion and inconvenience this may have caused you.  
  • Account Statements: A final Wells Federal Bank statement will be mailed August 25. After that your first CCFBank statement will be generated in September.
  • ATM’s: There will be no changes to your ATM access. For your convenience, CCFBank is part of Alliance One – a surcharge free ATM Network. This means you can use your CCFBank Debit Card at thousands of nationwide ATM’s for free.  
  • Certificates of Deposit: All CDs will automatically transfer to CCFBank. Interest rates and terms will not change before the maturity date. Renewal notices will be sent from CCFBank when your CDs mature.
  • Checks: Continue to use your Wells Federal Bank checks as you always have until you need to reorder more. When you need new checks, contact a CCFBank office to plan an order with the new routing and institution information.
  • Debit cards: If you currently have a Wells Federal Bank debit card, a new CCFBank debit card will be mailed to you. You will receive the card prior to August 25. Your new Visa debit card will be issued with the newest fraud prevention technology referred to as “Chip Enabled”. You can use your card at both Chip and non-Chip terminals as well as with and without your PIN. 
    • August 25: Start using your CCFBank Debit card. Your new CCFBank Visa debit card has the following limits in place:
      PIN Point of Sale/ATM Withdrawal
      > $520 per day (each day begins at 6:00 p.m. CST)
          > HSA Cards will have no ATM withdrawal access.

      Consumer Card Signature Point of Sale
         
      > $1,500 (may be pending at any given time)

      Business Card Signature Point of Sale
         
      >$4,500 (may be pending at any given time)

      For your security, CCFBank participates in Visa Alerts. To help you monitor purchases on your card, you may set up custom alerts by visiting visa.com/purchasealerts.


CCFBank also monitors your card in real time for suspicious activity. If any suspicious transactions are detected, you will receive an automated phone call from our Fraud Detection Department to validate the legitimacy of the transaction(s).

  • Automatic Payments and Direct Deposits (ACH): Please contact your employers and any companies you have automatic payments or deposits set up with to update your routing and account number for transactions after August 25. CCFBank’s routing number is 291880330
  • eStatements: If you are currently enrolled in eStatements you will need to sign up again.
         1) Log in to Online Banking
         2) Click on the Profile
         3) Click on Edit next to Electronic Statements
         4) Select eStatement for the accounts you wish to enroll
              a. Click and read the Terms and Conditions
              b. Obtain the confirmation code and enter in the prompted field
              c. Click Save to complete your registration
         Accessing eStatements
        
    1) Log into Online banking
         2) Select the accounts you would like to view
         3) Click Documents as the top of the screen
         4) Select the Documents type of eStatements
         5) Select Checking eStatements Documents type
         6) Select the date range
         7) Click Submit  

  • FDIC Insurance Coverage: If your transfer of deposits from Wells Federal to CCFBank causes your deposit at CCFBank to exceed $250,000, your excess deposits will be insured by the FDIC for six months from August 25, 2017. If you have specific concerns, contact your local CCFBank branch. To calculate ways to maximize your coverage, please visit the following FDIC website: fdic.gov/edie

  • Loans, Lines of Credit and Mortgages: All loans will be transferred to CCFBank. Interest rates and terms will not change on your current loan. After August 25 you will make loan payments to CCFBank.
  • Mobile Banking: CCFBank’s mobile banking app can be found on the Apple App Store or on Google Paly. On the app you can view account balances in real time, transfer funds between accounts, pay bills and find nearby ATM’s and branch locations. CCFBank’s mobile app is also set up to utilize text message transfers, and other services.
  • Mobile Deposit: Within the CCFBank mobile app you can deposit your checks without ever needing to go to the bank. With CCFMobile Deposit it’s as easy as Tap, Snap, Deposit.
  • Night Depository ( Night Drop): Use the night depository located at all drive-thru locations for after hour deposits. Drop your deposit off at one of our secure drop-off sites.
  • Safe Deposit Box: Your important documents and valuables will stay safe in your current safe deposit box(es). Your key will continue to be used to access your box(es).
  • Telephone Banking: Don’t have a smart phone or unable to get on the internet frequently? No problem. With telephone banking you can access account information via your phone.
        1) Call (877) 722-2523
        2) Enter “1” for Activation and Account Information
        3) As prompted, enter account number and “1” (Checking) or “2” (Savings) and    
            your Personal Identification Number (PIN)
        4) To protect your identity, you will then be prompted to change the PIN
  • E-banking:
    Online Banking:
    New Enrollment:
    1) Access ccf.us
    2)At the Account login area, enter user ID and password.
    3)Review Online Banking Terms and Conditions
    4) Click Accept

    Once logged in, you will be prompted to enroll in Mobile Banking and eStatements. If you are currently enrolled in online banking you may be asked to change your password.

  • CCFBank Mobile Banking App:
    1) Download from Google Play/Apple App Store
    2) Login with the same user ID and password as Online Banking

Personal Banking

Please refer to the letter you received from CCFBank about your new account type.


Checking Accounts


Freedom Checking:
For checking accounts with high balances.
> Earn interest on all balances.
> Monthly service for $7.50 if minimum average daily balance of $1,000 is not met or you do not have direct deposit.
> Free withdrawals at CCFBank owned ATM.

Freedom Checking Disclosure

Traditional Checking: Simple, straightforward checking account.
> Monthly service free of $10 if five debit card transaction are not posted and settled to your account or a minimum daily balance of $1,000 is not maintained.

Traditional Checking Disclosure

Senior Checking: Exclusive to customers 55 and up.
> Interest earning checking account.
>Monthly service fee of $7.50 if minimum average daily balance of $1,000 is not met or you do not have direct deposit.

Senior Checking Disclosure

Savings Accounts


Traditional Savings:
Simple, straightforward savings account.
>Earn interest, regardless of balance.
>Monthly Service fee of $5.00 if average daily balance of $100 is not met.  

Traditional Savings Disclosure

Junior Saver: Top rate savings for customers under18.
>Excellent tool for teaching good financial habits.

Junior Saver Disclosure

The information provided above is a summary of our products. For complete account information please refer to the disclosure files under each account. For more disclosure information see below. 

Personal Loans         


Home Mortgage Loans: Available for home purchasing, refinancing or construction
> Fixed rate terms of 10,15, 20 or 30 years.
>Competitive interest rates. 
>Online application process. 
>Government programs for low or no down payments.

Home Equity Loans: Buy a new car, finance home improvements, wedding expenses or more!
>Competitive rates for several short-term or one-time needs

Home Equity Lines of Credit (HELOC): Gives you the flexibility and security whenever you need it!
>Competitive rates.
>Convenient access to your funds.

Auto Loans: Finance your next vehicle with our help! Get pre-approved and have the upper hand when it comes to dealership bargaining.
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Competitive rates on new or used cars, trucks, motorcycles, RVs and more.

Personal Loans
If you need some help with…just about anything! From auto loans, recreational vehicle loans, medical bills, or debt consolidation, we're here to help! Repayment terms are customized to fit your unique needs.

Personal Lines of Credit: A line of credit makes it easy to finance ongoing needs with revolving funds.
>
Competitive rates. 
>
Use only what you need when you need it. 
>
Pay interest only on what you use.

Funds Availability Disclosure
HSA Disclosure
Overdraft Policy Disclosure
       Discretionary Pay Program Opt Out 
Privacy Notice Disclosure

Business Banking

Please refer to the letter you received from CCFBank about your new account type.


We offer several checking accounts that will fit your business needs. All our business checking accounts come with a variety of convenient services to make accessing your money fast and easy.

Simple Business Checking: Best for small business
>Online banking and bill pay available.
>Mobile banking and deposit available.
>25 checks free per month (25 cents each thereafter.)
>$5 monthly service charge unless maintaining a $500 minimum average daily balance.

Simple Business Checking Disclosure

Traditional Business Checking: Best for a mid-size business
>Online banking and bill pay available.
>Mobile banking and deposit available.
>150 transactions per month at no cost (25 cents each thereafter.)
>$10 monthly service charge unless maintaining a $3,000 minimum average daily balance.

Traditional Business Checking Disclosure

Elite checking: Businesses needing additional services
>Online banking and bill pay available.
>Mobile banking and deposit available.
>250 transactions per month at no cost (25 cents each thereafter.)
>$20 monthly service charges unless maintaining a $10,000 minimum average daily balance.

Elite Business Checking Disclosure

Business Relationship Checking: Best for larger businesses 
>No monthly service charge.
>Online banking and bill pay available.
>Mobile banking and deposit available.
>$.10 per item deposited;$0.08 per checks written and electronic debits/credits posted.

Relationship Business Checking Disclosure

Community Checking: For non-profits and organizations alike
>Online banking and bill pay available.
>Mobile banking and deposit available.
>Tiered Interest Rate on account.

Community Checking Disclosure

Civic Checking: For municipalities and school districts
>Online banking and bill pay available.
>Mobile banking and deposit available.

Civic Checking Disclosure

The information provided above is a summary of our products. For complete account information please refer to the disclosure files under each account. For more disclosure information see below. 

Business Loans:


Commercial Real Estate Loans:
Make that perfect office or storefront your business with premier rates and flexible repayment options. CCFBank commercial loans are available for owner-occupied or investment properties. With the help of our lending professionals we make quick, local decisions from start to finish.The repayment terms are customized to fit your business’s needs.  For more information contact a CCFBank Business Team Member.

Small Business Lending
CCFBank is here to get your start-up business going; our small business lenders are here to help with purchasing and refinancing existing small businesses. We offer government-assisted help which is available for businesses that might otherwise have difficulty getting approved.  CCFBank has competitive rates for a wide range of business needs from construction, expansion, equipment and more.

Agricultural Loans
From dawn to dusk, we have the agricultural financing options that will help keep your farm thriving.  CCFBank offers competitive fixed and variable rates for a wide range of agribusiness-related needs. We offer up to 25-year amortization on most products. Preferred lender for guaranteed loans through the Farm Service Agency (FSA). Our Agricultural lenders are experienced in local agricultural standards and are able to make quick, local decisions to make the process smooth for your agricultural needs. 

All loans are subject to credit approval and loan guidelines.

The transition will not have any impact on your existing loan term, conditions or rates. You will make payments to CCFBank after August 25. Contact us at 715-836-9999 or 1-800-590-9920 or at www.ccf.us for more information.

Funds Availability Disclosure
Overdraft Policy Disclosure
      Discretionary Pay Program Opt Out 
Privacy Notice Disclosure

Frequently Asked Questions

            Q: What is conversion weekend?
            A: The conversion weekend is the time we will transition your account information from Wells
                 Federal Bank to CCFBank.

            Q: What does this conversion mean for me?
            A: You will see the same excellent service and commitment to your financial needs.

            Q: Will I get a free check order? Do I need new checks?
            A: You will not be provided with a free check order as you will be able to continue using your
                Wells Federal Bank checks.

            Q: When can I begin using my new CCFBank debit cards for purchases or cash withdrawals?
           
A: You can begin to use your new CCFBank debit card/ATM cards on Friday, August 25, 2017.

            Q: Will I be able to move my money or accounts to another Branch or to another Bank?
            A: You will be able to access your account(s) at any CCFBank branch or CCFBank online
                August 28, 2017

            Q: What will happen to the contents of my safe deposit box?
            A: There will be no changes to the safe deposit boxes.

            Q: Will I have to get a new account number?
            A: No.

            Q: Will there be any changes to my loan?
            A: No changes will be made to your loans.

            Q: Will online banking automatically transfer?
            A: Yes, customer’s online banking will be transferred.

            Q: When will Wells Federal Bank’s consumer online banking and consumer bill pay be disabled?
            A: Consumer online banking will be disabled on Friday, August 25, at 4:00 p.m. CST.

            Q: What time is your daily “cut-off” for current day transactions in branch?
            A: CCFBank does not have a “cut-off” time during the day. All transactions processed before 7
                p.m. will be posted on that business day.

            Q: Will bill pay information be transferred?
            A: Yes, customer bill pay information will migrate to the new CCFBank online banking system.

            Q: Will external transfers be transferred?
            A: External transfers will not be transferred, but CCFBank does offer account to account
                service via bill pay. This service works the same as the external transfer service.

            Q: Will internal transfers done in online banking be transferred?
            A: Yes, the internal transfers that customers have set up in online banking will be transferred to
                the CCFBank online system.

            Q: Will the Wells Federal branches be closed for the conversion?
            A: All branches of Wells Federal Bank will be closed Saturday, August 26, 2017 for computer
                conversion.

Please reach out to us with any additional questions:

You are always welcome to visit your local CCFBank branch location. To find a branch visit our website www.ccf.us and select branch locations in the top right-hand corner.

Call us Monday-Friday 8:00 a.m. – 5:00 p.m. CST
Customer Service Center: 800-590-9920 or 715-836-9999
Business Customer Service Questions: 715-852-2263

Extended Call Center hours are available for your convenience during this transition period. Saturday hours have been added for the entire months of August and September from 9:00 a.m. to noon.

You can also email us. To send us an email with questions, visit our website: www.ccf.us and select “Contact Us” in the top-right hand corner. Then fill out the information on the page including your question, concern or comment, and we will contact you shortly. Do not provide and personal or account information.

CCFBank in the News

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