Welcome to the family.

We are thrilled to welcome River Town Bank customers to the Chambers Bank family!

This acquisition was about so much more than just adding locations to the Chambers Bank branch network–it was about merging two financial institutions that share similar histories and corporate values in order to provide better products and services to all of our customers.

Your business is very important to us and we are committed to earning your trust. Throughout this conversion, we pledge to keep you informed and do what we can to make this a smooth transition.

Because we’re one of the largest banks in Arkansas, you’ll have access to more products, services and locations. But we promise to maintain the hometown service and Arkansas hometown values that Chambers has offered since we were founded in 1930 in Danville.

If you have any questions about the merger or your new Chambers Bank account, please reach out to us. You’ll find that we are going to work hard to earn your continued banking business.

Sincerely,
Mike Donnell
President


Important Dates

Tuesday, October 22
New Chambers Bank debit cards mailed; may be activated upon receipt, but may not be used until Monday, November 4

Friday, November 1 @ 5:30 p.m. CST
CONVERSION/MERGER BEGINS
No online banking access or bill pay access, no balance inquiries at ATMs

Saturday, November 2
River Town Bank branches become Chambers Bank branches

Monday, November 4 @ 8:00 a.m. CST
CONVERSION ENDS
Online banking and bill pay access for chambers.bank, begin using Chambers Bank debit card if activated, access to Chambers Bank branches and ATMs

Monday, November 4 @ 5:00 p.m. CST
River Town Bank debit cards no longer work

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Frequently Asked Questions

 

Why are Chambers Bank and River Town Bank merging?

Chambers Bancshares, Inc., the parent company of Chambers Bank, acquired River Town Bank on July 11. Chambers Bancshares’ Board of Directors found the purchase to be a mutually beneficial opportunity, providing growth for Chambers Bank and expanded financial services and banking locations for both River Town and Chambers customers after the conversion is completed.

We knew that River Town would be a great fit for Chambers because their customers and employees have a lot in common with the Chambers brand: hard-working people who value family, community and financial stability. Both community banks were founded in the 1930s in Yell County and have shared values of exceptional customer service, community support and, most importantly, trust. River Town Bank customers can be assured that Chambers Bank will offer the same hometown service and hometown values to which they’ve grown accustomed.

Who is Chambers Bank?

Chambers is a family-owned, Arkansas bank founded in Danville nearly 90 years ago. Since 1930, the Bank has remained in the Chambers family and grown not only through acquisitions, but also through a dedicated commitment to serving the communities where we live and work. With the addition of River Town, Chambers Bank will have more than $980 million in assets and operate 27 branches throughout Arkansas.

Why is this change good for River Town Bank customers?

Chambers Bank is a financially stable business with nearly 90 years’ experience in community banking. We offer expanded products and services, and customers will have access to branches in many additional locations.

Whom should I call with questions?

While this page will address many of your questions about becoming a Chambers Bank customer, we’re here to answer any questions you have before, during and after the River Town Bank merger. Call the Chambers Bank Customer Care Center at 800-603-1226 or River Town Bank at (479) 229-3311 or (479) 968-3620 for assistance.

What if there are changes after I receive this information?

We have worked diligently to confirm the conversion process and timelines with our banking provider and team members at both River Town and Chambers. Should issues arise or circumstances necessitate an update to the conversion process, we will notify you via our website (www.chambers.bank) and our Facebook page (www.facebook.com/ChambersBank). Our website will have the most current information and will be updated throughout the merger.

When can I start using the Chambers Bank branches?

We will begin merging the banking systems at the close of business on Friday, November 1, and River Town Bank branches will become Chambers Bank branches. Customers of both banks may begin using any of our 27 branches on Monday, November 4. Note that Chambers Bank employees will not have access to your River Town account information prior to November 4.

Are you going to close any River Town Bank branches?

There are no immediate plans to close branches of either bank. After the merger, there will be 27 branches of Chambers Bank in Arkansas.

Can I expect to see the same people at my local branch?

We understand how much you appreciate the relationships you’ve built with your River Town banker, and we trust those will continue at Chambers Bank. Most River Town Bank employees will remain in similar roles and in the same locations after the merger, while some have chosen new roles at Chambers. 

If I have accounts at both banks and am concerned about exceeding the FDIC insurance limit, what should I do?

Under FDIC rules, your River Town Bank deposits will be separately insured from any accounts you may already have at Chambers Bank for at least six months after the merger (May 1, 2020). Even if the merger results in your having more than $250,000 in the combined bank, you still have options for insurance coverage; visit your local branch to discuss additional ways in which we can insure your funds. Note that your Certificates of Deposit (CDs) will be insured until maturity.

 

Account Questions

Will my account number(s) change?

While our goal was to allow River Town customers to retain their account numbers if possible, a small number of checking, savings, CD and loan account numbers had to be updated as part of the conversion process. In most cases, your account number will remain the same. If your account number is changing, you will be notified via a separate mailing.

Note: Debit Card numbers will change.

Will my account type be the same?

We’ve matched your account(s) with the Chambers Bank account that has the most similar features (see mapping document). After reviewing Chambers’ account options, if you wish to update your account type, visit any River Town Bank branch prior to October 31, or any Chambers Bank branch after November 4.

Will there be rate changes for CDs?

Rates for Certificates of Deposit (CDs) will be converted to Chambers Bank at your current rate and rates will not change before your maturity date unless you choose early withdrawal. See Disclosures for additional information.

Can I continue to use the same checks?

Yes. After conversion on November 1, the River Town Bank routing number (082905990) will be assigned to Chambers Bank, and you may continue to use your River Town checks for at least 36 months. When you’re ready for more checks, simply log onto Chambers online banking (under “More”) or come into a branch to order Chambers Bank checks.

Note: The Chambers Bank routing number is 082907008.

Is there any time when I can’t access my funds?

You will always be able to access your funds by check and ATM. However, you will be unable to access your account by using your current River Town Bank debit card as of 5:00 p.m. on Monday, November 4; you must activate your new Chambers Bank debit card to use on and after Monday, November 4. We planned the conversion over a weekend (November 2-3) to minimize the impact on our customers.

Note: While you will have access to your funds, you will not be able to access online banking to check balances and ATMs will be unable to display balances during the weekend of conversion. ATMs will be able to disperse funds.

Will my direct deposits and automatic drafts be affected?

If your Chambers Bank account number will be the same as your River Town Bank account number – Direct deposits are tied to your checking account number and will not be affected unless your account number changed. If your automatic drafts are tied to your checking account number and it will not change, they will remain; however, any auto-drafts tied to your current River Town Bank debit card will need to be updated on November 4. We recommend checking your account statements for the past three months to confirm any auto-drafts you currently have set up and if they’re tied to your debit card.

For the few customers whose Chambers Bank account number will be different than your River Town Bank account number (you would have received a letter if your account number is changing) – All direct deposits and automatic drafts will need to be updated. Because of privacy laws, the Bank cannot update these on your behalf. We recommend checking your account statements for the past three months to confirm any automatic deposits and auto-drafts you currently have.

Will I have overdraft protection/privilege on my Chambers account?

Chambers Bank offers overdraft protection and overdraft privilege options on most checking accounts. See Overdraft Section below for more information.

Will there be rate changes on my interest-bearing checking or savings accounts?

We’ve matched your account(s) with the Chambers Bank account that has the most similar features (see account mapping). Interest-bearing checking and savings accounts will earn the current Chambers Bank rates as of November 2, 2019. See Disclosures for additional information.

If I have POA/POD information on my account, will it transfer over, or do I need to update?

All Power of Attorney (POA) and Payment on Death (POD) authorizations on file will be converted to your Chambers bank account(s) by November 4.

 

ATMs

When can I start using the Chambers ATM at no charge?

River Town Bank customers can begin using Chambers Bank ATMs at 8:00 a.m. Central Standard Time on Monday, November 4 without a charge.

Once your new Chambers Bank debit card has been activated, you are ready to use any Chambers ATM to withdraw or transfer funds or check balances.

Will there ever be a time that I can’t use the ATM? Will I be able to check my balance at all times?

You will always be able to access your funds by check and ATM. However, you will be unable to access your account by using your current River Town Bank debit card as of 5:00 p.m. on Monday, November 4. You must activate your new Chambers Bank debit card to use on and after Monday, November 4.

Note: While you will have access to your funds, you will not be able to access online banking to check balances and ATMs will be unable to display balances during the weekend of conversion. However, ATMs will be able to disperse funds during the conversion.

What if I get charged an ATM fee at a Chambers Bank or River Town Bank branch during the transition? Can I get a refund?

While we have worked with our banking system provider to ensure that our ATM networks merge seamlessly, should you get charged a fee at either a Chambers Bank or River Town Bank ATM after November 1, please contact your local branch for a refund. We do not anticipate that this will happen, but we will correct any problems that may occur with our ATM system during and after conversion.

 

Debit Cards

Can I continue to use my existing debit card?

Your current River Town Bank debit card will work through 5:00 p.m. Central Standard Time on Monday, November 4. Around October 25, you will receive a Chambers Bank debit card that will work after 8:00 a.m. Central Standard Time on Monday, November 4.

Will my new debit card be automatically activated, or will I need to do anything?

Around October 25, you will receive a new Chambers Bank debit card via U.S. mail that must be activated prior to use. Instructions for activation and relevant dates will be included in the mailing. You may activate your card upon receipt, but it cannot be used until 8:00 a.m. Central Standard Time on Monday, November 4.

What if I lose my existing debit card?

Instant-issue debit cards will be available at River Town Bank until October 31. However, if you replace your River Town debit card or open a new River Town account after October 7, you must visit a Chambers Bank branch or call our Customer Care Center at 1-800-603-1226 after November 4 to receive a Chambers Bank debit card (accounts opened at River Town Bank between October 8 and October 31 will not be included in the mass mailing of debit cards prior to the conversion). If you lose your card at any time, please call us immediately at 1-800-500-1044 so that we can freeze your debit card to protect your account.

Are other debit card designs available?

All River Town Bank customers who have debit cards prior to October 8 will be mailed a new standard Chambers Bank debit card around October 25. If you wish to change your debit card design, you may do so by visiting any Chambers Bank branch on or after November 4. Premium design cards incur a $5 fee; however, if you had a premium design card at River Town Bank, Chambers Bank will provide you with a premium design replacement card at no charge. Debit card designs can be viewed at: www.chambers.bank/personal-banking/products/debit-card-designs.

 

Loans

Will my loan payment due date change?

No. Your loan payment due date will remain the same during your contract period.

Will I get new loan coupons/invoices?

After conversion, you may receive an automated billing notice in the mail about 15 days prior to each due date. You may continue to use your existing River Town Bank loan coupon books if that’s your preference. Chambers Bank will not issue new coupon books.

November payments may be due prior to receiving your first payment notice. You should make your scheduled November loan payment on or before the due date even if you have not yet received a notice. If you have questions about when your payment is due, contact your loan officer or local branch.

Will my loan interest rate change?

The terms of your loan will not change from your existing contract. If you have a fixed rate, it will not change during the current term of your existing loan contract. If you have a variable rate, it will continue to adjust according to the terms of your contract.

Will additional documentation be required for my loan(s)?

Additional financial information (i.e., current tax or income statements) may be requested from some borrowers due to reporting requirements. Your loan officer will contact you if additional information is needed for your current loan.

 

Mobile Banking

Do I need to download a new mobile app?

Yes. After logging into Chambers Bank online banking on your desktop on November 4, please download the new Chambers Bank mobile app via the Apple app or Google Play app store and use your new login to access the Chambers Bank app.

Please note that there are two Chambers Bank mobile apps. Unless you are a Chambers Bank business banking customer, select the consumer/ personal banking app, which is the one with the green circle (first option below).

Mobile apps

 

Can I use the app immediately, or do I need to set up online banking first?

To set up Chambers online banking, you need to first log in using a computer or a mobile web browser (i.e., Safari or Google Chrome) to establish your credentials and set your password. Once you have set up online banking, you can enter your credentials into the Chambers Bank app for mobile access.

Visit the homepage and select “Sign up for Online Banking” on the left side of the page under the white box. 

What can I do on the Chambers Bank mobile app?

With the Chambers app, you can check your balances, transfer funds from one Chambers account to another, deposit checks, pay bills, find a nearby branch or ATM, and send payments to anyone–even if they don’t have a Chambers Bank account.

Is there a limit to what I can deposit via the mobile app?

Chambers Bank has a $5,000 per check/$5,000 per day limit on mobile deposits.

How does mobile deposit work?

Open the Chambers Bank app, select the + sign at the bottom of the screen and select “Deposit.” Endorse your check with your signature and account number, write “For Mobile Deposit Only” and take photos of the front and back of your check. Once submitted, we’ll confirm your deposit via email.

 

Online Banking

When will I start using Chambers Bank online banking?

You will continue to use your River Town Bank online banking and phone app to access your account(s) until 5:30 p.m. Central Standard Time on Friday, November 1. We expect all data to be converted and for your Chambers Bank account information to be available by 8:00 a.m. Central Standard Time on Monday, November 4; if that time changes, we will alert you via our website and Facebook page.

To enroll in Chambers online banking (available after 8:00 a.m. CST on Monday, November 4), visit our homepage and click on “Sign up for Online Banking” on the left side of the screen. 

Do I have to change my online banking credentials?

For consumer/personal banking customers, your UserID will be the same as your River Town online banking UserID, but it will be all lower case. At first login, you will use the last six digits of the primary account holder’s social security number as your temporary password. Once you have successfully logged in with your temporary password, you will be prompted to change your password. Passwords have the following requirements: must be 8-32 characters; must include at least 1 letter; must include at least 1 number; cannot include spaces; cannot include a character that repeats more than 2 times in a row; cannot include \<>’ characters; and is case sensitive.

Will there be any time during conversion when I can’t access online banking?

Online banking will be unavailable from 5:30 p.m. Central Standard Time on Friday, November 1 until 8:00 a.m. on Monday, November 4.

Will I be able to see my images in online banking immediately?

If your account was active with River Town Bank at least 90 days prior to conversion, your last 18 months of bank statements will be available via Chambers Bank online banking on Tuesday, November 5.

Will I be able to use Quicken/QuickBooks with Chambers Bank online banking?

Chambers Bank online banking is compatible with Quicken and QuickBooks. However, if you wish to have access to your River Town Bank banking history via Quicken/QuickBooks, you must download the information to your PC via the River Town Bank online banking portal prior to 5:30 p.m. on Friday, November 1.

Will there be any time when banking transfers will not work?

We expect established transfers from one of your accounts to another of your accounts (i.e., checking to savings) to convert to Chambers Bank, but we recommend that you check your online banking account or contact our Customer Care Center to verify. Likewise, if you have scheduled transfers on November 2 or 3, we recommend that you verify that those transfers occurred after conversion on November 4.

Do I need to update Bill Pay?

Payees you have established via River Town Bank online banking will appear in your Chambers Bank Bill Pay profile on November 4. Any payments scheduled to post before Friday, November 1 will be paid. Payments to be paid after November 1 need to be set up in the new system when online banking/bill pay access reopens on Monday, November 4. We recommend printing your River Town Bank bill pay information (Cntl+P) prior to November 1 so that you will have names, addresses, phone numbers, account numbers, amounts and payment schedules for your current bill pay accounts.

Please note that, if Bill Pay payments are processed via check, the amount will not be deducted from your account until the merchant processes the check through their bank. This is a change as River Town Bill Pay check payments were debited from your account immediately.

 

Overdraft Privilege/Protection

Will I have overdraft protection/privilege on my Chambers account?

Chambers Bank offers Overdraft Protection and Overdraft Privilege options on most checking accounts (New Opportunity Checking accounts do not have overdraft options).

Overdraft Protection services help you protect your account from being overdrawn by automatically transferring funds to your checking account from another account you have at Chambers Bank. There is a fee (currently $8 per covered transaction) for each transaction paid by Overdraft Protection.

Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee (currently $30 per covered transaction) in order to pay a transaction.

Depending on how long you’ve had a consumer account in good standing at River Town Bank, your Overdraft Privilege will be $100-$750. A business account could be eligible for up to $1,000 in Overdraft Privilege. You will receive a letter informing you if the Overdraft Privilege limit has been increased on your account. Even if you have Overdraft Protection (transfer from another account), Overdraft Privilege is still available as secondary coverage if the other protection sources are exhausted.

Note that the Overdraft Privilege amount is not included in your balance provided through online banking, telephone banking or Chambers Bank ATMs.

Chambers Bank’s pay order is:

  1. Credits
  2. ATM & Debit Card transactions in the order received
  3. ACH debits in the order received
  4. Checks in check number order

See Disclosures for complete details regarding Overdraft Coverage Options.

Will I need to re-enroll in overdraft privilege?

If you have Overdraft Privilege at River Town Bank, your Overdraft Privilege will be the same at Chambers Bank, and your checks will be paid up to your overdraft limit. However, if you want Chambers Bank to pay your everyday ATM and debit card transactions via Overdraft Privilege, you have to opt-in. You can do this by calling your local branch of Chambers Bank or the Customer Care Center at 1-800-603-1226 on or after November 4.

How do I enroll or un-enroll in overdraft protection or privilege?

To enroll or un-enroll in Overdraft Protection or Overdraft Privilege, please call or visit your local Chambers Bank branch on or after November 4.

  

Safe Deposit Boxes

Will my safe deposit box work the same?

Yes. All safe deposit boxes will be accessible throughout and after the conversion at the same locations, and keys will not be changed.

Will my safe deposit fees change?

Your current rental rates will be effective until renewal. While some safe deposit rental rates may stay the same, many rates will decrease at the time of renewal.

Safe deposit boxes are available in the following locations: Amity, Atkins, Conway–Hogan, Conway–Oak, Danville–Main, Danville–Hwy 10, Dardanelle–Front Street, Dardanelle–4th & Union, Dardanelle–6th & Union, Dover, Elkins–Main, Fayetteville, Fort Smith–Towson, Havana, Hot Springs Village–Ponderosa, Hot Springs Village –Village Square, Johnson, Mansfield, Mena, Rogers, Russellville–Parkway, Russellville–Skyline, Springdale, Waldron

 

Statements

Will my statement date change?

Your statement date may vary by account type.

Free Checking – 24th of month
Chambers Choice – End of month
Money Market – End of month
Fifty Plus – 16th of month
Small Business – End of month
Business Interest – End of month
Business Money Market – End of month
IOLTA – End of month

Will I get a statement in October/November? Will I get more than one statement?

You will receive statements that cover each day that you have an account with River Town Bank and/or Chambers Bank. Depending upon your current statement date with River Town, you will receive two to three statements for October and November 2019. Statements may be online and/or via U.S. mail per your account type.

Will my statement still have images?

Please review the account conversion chart for statement image options for your account type. Basic Checking, Chambers Club, Fifty Plus and Chambers Choice accounts include paper statements with images at no additional charge. If you enroll in eStatements, check images are included for all accounts for the past 18 months at no additional charge.

Do I have to re-enroll in eStatements?

Yes. You must re-enroll and agree to the disclosures to receive eStatements from Chambers Bank. To enroll in eStatements, log onto Chambers online banking, select “Customer Service” from the menu on the top of the page, then choose “Document Delivery” from the subsequent Settings menu. Once you’re enrolled, you can view current and previous eStatements by selecting “Documents” from the online banking menu.

 

Telephone Banking

1-877-495-2236
Automated line available 24/7

Your Access ID is:
• The area code of your primary phone number on your River Town account
• Your two-digit birth month
• The last four digits of your social security number

So, if your primary phone number is (479) 229-5555, you were born in June and your social security number is 111-22-3333, your telephone access ID would be 479063333.

Please note that telephone banking is an automated system and does not have a “live” person to answer your questions. If you wish to speak with someone, please call our Customer Care Center at 1-800-603-1226; there is a live, local person available to assist you 8:00 a.m. – 5:00 p.m. Monday–Thursday, and 8:00 a.m. – 5:30 p.m. on Friday (se habla Espanol).

Questions? Please contact our Customer Care Center or River Town Bank at (479) 229-3311 or (479) 968-3620.

 

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