Important Notice:
Please be aware email is not a secure method of communication.

Do not use email to send us confidential or sensitive information such as passwords, account numbers or social security numbers. If you need to provide this type of information, contact us by phone, fax or regular mail.

Email Now Return to Berkshire Bank 
 
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General Banking

Transfers

Checks
Overdraft Protection
Statements
Debit & ATM Cards
Online Banking, Bill Pay, Mobile & Telephone Banking
Corporate Online Banking
Consumer, Auto, Mortgage, Home Equity, Commercial and Business Loans
Other Services

 

 

 

General Banking

1. When will my branch transition to Berkshire Bank?
Your branch will convert to Berkshire Bank over the weekend from Friday, February 10 to Sunday, February 12.

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All locations that will transition to Berkshire Bank will be  closed starting Friday, February 10 at 4:00 pm ET and will re-open on Monday, February 13 as Berkshire Bank branches at their normal times. 


2.
Will my deposit account number(s) and bank routing number change?

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Yes. Your checking, savings and money market account numbers will change and a separate letter will provide your new account number(s) and routing number. You will be provided with new checks for your checking account. The new Berkshire Bank routing number will be 211871691.

Certificate of deposit account numbers will not change unless you were contacted by the bank informing you of a change. 

3. Will my loan number(s) change?
No. Your loan account number(s) will remain the same.

4. Will my direct deposit and automatic payment continue following the conversion?

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On or after Monday, February 13, please contact your employer(s) and other sources that make direct deposits and/or debits to your account, as well as recipients of automatic payments, and provide them with your new account number(s) and Berkshire Bank’s routing number: 211871691. 

Direct deposits of a payroll, government and/or other pre-authorized payment, or any other direct deposit into your account(s) will continue for a period of 90 days uninterrupted.

5. Will I experience any service interruptions during the ATM upgrade?

 

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Yes. To better serve our customers, our ATMs will be updated between January 30– February 10. As the technology and security of each ATM is updated, there will be a slight service interruption. Please visit your local branch or berkshirebank.com/welcome-First-Choice for a schedule of the ATM service interruptions. 

Transfers

6. What do I need to know if I have set up scheduled transfers outside of online banking?
Berkshire Bank will convert only scheduled transfers that you have previously set up between accounts at First Choice Bank of which you are an owner.

 

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If you have scheduled transfers between First Choice accounts and accounts at other financial institutions, you will need to re-establish these transfers on or after Monday, February 13 in online banking.

If you are not an online banking customer, you may register for Berkshire Bank’s online banking after 9:00 am ET on Monday, February 13. Please contact us at 800.773.5601 or visit your local branch for registration assistance.

7. First Choice Bank currently sends money from my account to pay my loan elsewhere,will these external loan payments continue following the conversion?
No. On or after Monday, February 13, deposit customers that have an external transfer to pay their loan payment at another bank will need to contact the corresponding company to set your recurring payments back up.

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No. On or after Monday, February 13, deposit customers that have an external transfer to pay their loan payment at another bank will need to contact the corresponding company to set your recurring payments back up.

Checks

8. Can I continue to use my existing supply of First Choice Bank checks, withdrawal and deposit tickets after the transition to Berkshire Bank?
Yes. Please continue to use your First Choice Bank checks until you have received your new Berkshire Bank checks. Berkshire Bank will provide all personal and small business checking customers with a supply of new checks and deposit tickets, at no cost.
Corporate checking customers will receive a supply of deposit tickets and a discount when you place your new check order with Berkshire Bank.

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Corporate checking customers will receive a supply of deposit tickets and a discount when you place your new check order with Berkshire Bank.



Home equity line of credit (HELOC) customers will be issued new Berkshire Bank checks.
Berkshire Bank will provide all personal checking customers with a supply of new checks and deposit tickets by February 3 from Harland Check Printers. Please watch your postal mail for this slim, green CheckFolio package.

 

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On Saturday, February 11, you should start using your new Berkshire Bank checks with routing number 211871691 and destroy your old First Choice Bank checks.

 

After Monday, February 13, if you have not received your complimentary new checks and deposit tickets, please contact Berkshire Bank at 800.773.5601. We will assist you with ordering at that time.

Overdraft Protection

9. What are my checking account overdraft protection options with Berkshire Bank?
We offer overdraft protection plans, such as a link to a savings account, or an overdraft line of credit, which may be less expensive than our standard overdraft services.

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  •  If you use First Choice Bank's personal checking overdraft protection with a saving or checking, you do not need to take any action. This service will automatically continue.

  • If you use First Choice Bank’s HELOC overdraft protection service, this service will be discontinued. Please complete a Berkshire Bank Reddi-Cash application available at your local Berkshire Bank branch on or after Monday, February 13. Reddi-Cash is a personal line of credit and is subject to credit approval.

 

Berkshire Bank also provides a standard overdraft practice which is our Courtesy PaySM option, a discretionary overdraft service that is available with your account, if you qualify.

Courtesy Pay will become available on your account when it is determined that you meet the qualifications, which will be no sooner than Wednesday, February 15, after conversion. Generally, we do authorize and pay overdrafts for the following types of transactions: 

Checks and other transactions made using your account number
Automatic bill payments

For more information, please refer to the Courtesy PaySM disclosure on pages 38-40. Some restrictions may apply.
You may opt out of Courtesy PaySM at any time.

10. Does Berkshire Bank pay overdrafts on everyday debit card or ATM transactions?
Berkshire Bank will NOT pay overdrafts on everyday debit card or ATM transactions unless you tell us you want us to and your account qualifies for Courtesy PaySM.

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In order for us to pay overdrafts on everyday debit card or ATM transactions, you need to opt in for this service, after Monday, February 13, by completing the Overdraft Opt-in Notice on page 41 and bring it to any Berkshire Bank branch, call us at 800.773.5601, or by changing your opt-in option through your online banking account.

You may change your consent for us to cover your ATM and everyday debit card overdrafts at any time.

11. Will I be guaranteed that all my overdrafts will be paid?
We pay overdrafts at our discretion, which means we DO NOT guarantee that we will always authorize and pay any type of transaction.
If we do not authorize and pay an overdraft, your transaction will be declined or returned.

Statements

12. When will my first Berkshire Bank statement be produced?
Your last First Choice Bank statement(s) will be produced on Friday, February 10 for all products except retirement accounts. Your first Berkshire Bank statement(s) will be produced Tuesday, February 28 for business accounts and Friday, March 10 for consumer accounts.

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Your last First Choice Bank statement(s) will be produced on Friday, February 10 for all products except retirement accounts. Your first Berkshire Bank statement(s) will be produced Tuesday, February 28 for business accounts and Friday, March 10 for consumer accounts.

 

Berkshire Bank statements are generated based on the following schedule:
Checking and money market statements are produced monthly
Statement savings statements are produced quarterly
Certificate of deposit statements are not produced
IRA statements are produced twice a year
Reminder: all account activity is provided to you with 24/7 access via online banking.

13. Will I be able to access my new Berkshire Bank statement electronically following the transition to Berkshire Bank?
Yes. We are pleased to offer free eStatements and notices with all our accounts.
To use this service, going forward:

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 On or after Monday, February 13, log in to online banking at berkshirebank.com
 Click on the Accounts/Online Documents
 Select
 Use the drop-down box to update your delivery to for each Berkshire Bank account eStatement

Berkshire Bank eStatements will archive up to 18 months of activity going forward.
Important: if you do not re-enroll in eStatements before Monday, February 27, your first Berkshire Bank statements will be paper with no check images.

14. Will I still be able to access my First Choice Bank online banking statements after the conversion?

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No. Please download any account statements and/or cleared check images online by Friday, February 10 at 5:00 pm ET. First Choice Bank’s online banking will go into inquiry only mode. Online banking and bill pay will no longer be available after Monday, February 13 at 8:00 am ET. 

15. Can I receive check images with my Berkshire Bank paper statements?Yes. Berkshire Bank provides check images with paper statements for a fee of $2 per month. However, free check images are provided with monthly eStatements.

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You will need to re-enroll for eStatements after Monday, February 13 and prior to Monday, February 27 if you wish to continue receiving uninterrupted eStatements.

Debit & ATM Cards

16. Will I receive a new Berkshire Bank debit/ATM card?

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Yes. If you are an existing and active First Choice Bank debit and/or ATM card holder, you will be mailed a new Berkshire Bank ATM or MasterCard™ debit card on Friday, January 27. You will receive your new personal identification number (PIN) in a separate mailing, sent on Tuesday, January 31. Please watch your mail for these two separate mailings. We consider an active debit card to be one that has been used within the last 6 months.

17. When may I start using my new Berkshire Bank debit/ATM card?
Start using your new Berkshire Bank debit/ATM card after 5:00 pm ET on Wednesday, February 8.

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To activate your new card, make a PIN-based merchant transaction, perform a withdrawal at any Berkshire Bank or NYCE® ATM or, if you prefer, activate it through Berkshire Bank’s telephone banking system; just have your new PIN ready and call 888.685.8300, choose option 7 and then press 1 to activate your card. 

18. How long may I continue to use my First Choice Bank debit and ATM card?
You may use your First Choice Bank card until Thursday, February 9 at 9 am ET.

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For security purposes, please destroy your First Choice Bank card at this time.


19. Will I be able to check my account balance at an ATM during the conversion weekend?

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No. The balance inquiry feature for converting accounts will not be available from Wednesday, February 8 – Sunday, February 12. 

20. What should I do if I don’t receive a new Berkshire Bank debit/ATM card by Monday, February 13?
Please call us at 800.773.5601 or visit your local Berkshire Bank location to request an instant-issue debit card.

21. Will my debit/ATM card purchase and withdrawal limits for daily transactions change?

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Beginning Monday, February 13, the following purchase and withdrawal limits will apply for your daily transactions: 

22. What if I have recurring payments set up with merchants using my old First Choice Bank debit card?

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After Wednesday, February 8, if you have any recurring payments previously set up with a merchant(s) using your old First Choice Bank card number, you will need to provide your new Berkshire Bank debit card number and expiration date to the merchant(s).

 

23. Does Berkshire Bank offer debit card transaction monitoring and fraud protection?
Yes. We provide additional security monitoring for out-of-the-ordinary transactions.

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If you will be using your debit card while traveling or are planning any out-of-the-ordinary purchases, please contact our Call Center at 800.773.5601, weekdays between 8:00 am and 5:30 pm or Saturday between 8:30 am and 1:00 pm ET. 

We will provide this information to our Fraud Prevention Services team in order to prevent your card from being blocked due to out-of-the-ordinary transactions. If your card is flagged by our Fraud Prevention Services team, we will try to contact you via text, email or phone; it is important that your updated contact information is on file with us at all times. Reminder: debit card alerts are available for online banking customers.

24. Does Berkshire Bank offer Apple PayTM and Samsung Pay?
Yes. You can now use an eligible Berkshire Bank Debit or Credit Card with both Apple Pay and Samsung Pay for merchants who accept contactless payments, and in participating merchant apps wherever they are accepted.

Online Banking, Bill Pay, Mobile & Telephone Banking

25. How will I access my online banking after the transition to Berkshire Bank?

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Starting Monday, February 13 at 9:00 am ET, if you are an active First Choice Bank online banking customer, you may access Personal and Small Business Online Banking at berkshirebank.com. 

26. How do I log in to Personal and Small Business Online Banking for the first time?

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The first time you log in to online banking, enter your current First Choice Bank user ID using all lowercase letters. Your temporary Berkshire Bank password will be the last 4 digits of your social security number or tax ID. You will be prompted to change this password on the next screen and to accept Berkshire Bank’s terms and conditions. A security alert will be sent when you change this temporary password. 

You will be asked to validate your identity through a one-time security code via a telephone call or SMS message. If you do not have access to a phone, you will be asked to validate your identity by answering a series of questions pulled from public record data.
If you have additional questions or need assistance, please call us at 800.773.5601.

27. How will my transfers convert in online banking?
Recurring transfers that you had previously set up in online banking between accounts at First Choice Bank will convert.

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Recurring transfers that you had previously set up in online banking between accounts at First Choice Bank and another institution will NOT convert. Any external account(s) previously set up will appear in online banking so that you may re-establish the recurring transfer on or after Monday, February 13. 

28. Is there anything I will need to do to ensure a smooth transition for my Personal and Small Business Online Banking?
Yes. Before Friday, February 10, to ensure a smooth transition, please:

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 Log in to your First Choice Bank online banking account to keep your profile active
 Visit berkshirebank.com to view an online banking demo
 To ensure a smooth transition, after Monday, February 13 please: 

Re-establish eStatements
Re-establish any “external recurring transfers” using the “pay and transfer" option
Re-establish any alerts, such as a “low balance reminder” or debit card alerts
Update any previous bookmarks or favorites to berkshirebank.com
Re-establish any account nicknames, notifications or alerts
Verify all scheduled and recurring transfers
Enroll in mobile banking after successfully logging into online banking

29. What do you need to know about Berkshire Bank’s Personal and Small Business Online Banking?

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If you have not logged on to First Choice Bank’s online banking system within the last six months, please do so now to allow your information to convert to Berkshire Bank. 

External transfer accounts will convert; recurring transfer schedules will not
Transaction history will appear starting Wednesday, February 15
Single and recurring internal transfers scheduled for Saturday, February 11 and Sunday, February 12 will process on Monday, February 13
Microsoft® Money will not be supported
Closed accounts will not convert
Payments scheduled through February 10 will process normally. Payments dated February 11 & 12 will process on February 13 and may take 2-4 days to reach the recipient based on method of delivery.

30. How do I update my phone number(s) and email address for Berkshire Bank’s new online banking security settings?

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Your current phone number(s) and email address are important when it comes to the security of your online banking service and our ability to reach you. Before Friday, February 10, contact First Choice Bank to ensure your information is up to date. On or after Monday, February 13, log in to Personal and Small Business Online Banking please: 

Have your debit/ATM card and PIN available, or choose to use a one-time security code
Click on the tab
Click on and review and/or update your information
Important: if you have only a mobile phone and not a home phone, please be sure to enter the mobile number in BOTH the home and mobile fields.
If you have any questions or need help, call us at 800.773.5601.

31. Is online bill pay “due date” driven or “schedule date” driven?

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Berkshire Bank is a “due date” driven online banking bill pay provider. This means the date you select for your payment will be the earliest date that we guarantee your payment will arrive to your payee. 

Berkshire Bank will withdraw the funds from the account on the date that you have selected as the due date electronically via the Automated Clearing House (ACH), which is also the date that the payee will receive payment
If a check is created to make the payment on your behalf, the funds will be withdrawn from your account on the date the cashed check from thepayee reaches Berkshire Bank

32. Will my current Online Banking bill pay account and payee information transfer?
Yes. We will transfer your current First Choice Bank bill pay account and payee information to Berkshire Bank.

33. If I use First Choice Bank’s online bill pay, what do I need to do to ensure a smooth transition?

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To ensure a smooth transition to Berkshire Bank, it is important that you take the following action before Friday, February 10 at 5:00 pm ET: 

Print and download your First Choice Bank on-demand bill pay history (90 days of history will convert)
When you first log in to Berkshire Bank after 12 pm on Monday, February 13, please do the following:
Review your bill pay account to verify your primary funding account, payees             and payments have transferred correctly to Berkshire Bank
Review your recurring payments for accuracy

34. What do I need to know about Berkshire Bank’s bill pay?

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Current First Choice Bank bill pay customers with active payees will convert to Berkshire Bank’s bill pay system. 

Berkshire Bank’s bill pay cutoff time is 4:00 pm ET
Expedited payment fees are $24.95 for overnight checks and $4.95 for ACH payments
Checking and money market accounts are available for use with bill pay
Savings accounts are not available for use with bill pay
Your bill pay limits will be $9,999.99 per transaction-$20,000.00 per day
Bill pay customers with no active payees will not convert

Sign up for eBills. eBills are online versions of your paper bills that you receive, review, and pay through bill pay. You’ll save paper and time! Best of all, eBills are free with your bill pay service.

35. What do I need to do if I use Quicken™?

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Before Friday, February 10, you will need to download your First Choice Bank transaction history. 

Starting Monday, February 13, activate Berkshire Bank as your new financial institution. Detailed information about using Quicken™ is available at berkshirebank.com/welcome-First-Choice or http://fi.intuit.com/support/conversionguides.
Please note: QuickBooks™ is not available for use with Personal and Small Business Online Banking. If you are a business customer that uses QuickBooks™, you may want to upgrade to Berkshire Bank’s Business Solutions Online Banking. Please contact us at 800.773.5601 for details.

36. Does Berkshire Bank offer Telephone Banking?
Yes. Starting at 8:30 am Monday, February 13, telephone banking is available by calling 888.685.8300 from any touch-tone or mobile phone.

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The first time you use the telephone banking system, your PIN will be the last four digits of the primary account holder’s Social Security Number (SSN) or business Taxpayer Identification Number (TIN). The primary account holder is the first person listed on your accounts. 

You will need to change your PIN by following the voice prompts. For security, every account number will require a PIN. Please communicate your selected PIN to other authorized account users.

37. Does Berkshire Bank offer mobile banking?

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Yes. If you currently access your personal online banking account on your mobile phone or tablet, starting Monday, February 13, you can download our Android or iPhone app, accessible from any Internet-enabled phone or tablet. Search Berkshire Bank to locate the app. 

The mobile deposit cutoff time is 5:00 pm ET. Please refer to mobile banking terms and conditions for further details.

Corporate Online Banking

38. Will my corporate online banking fees change at conversion?
No. Current First Choice Bank online banking fees will be grandfathered until August 31, 2017.

39. When is the Business Solutions Online Banking preview period?
This special non-transactional preview period is available from Monday, January 30 to Friday, February 10 so that you can familiarize yourself with the new Berkshire Bank system. During the preview period, log in to the Business Solutions Online Banking preview using your new login credentials at https://berkshirebank.ebanking-services.com to:

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 Update your contact information (you will be prompted)
 Verify your accounts and create sub-users
 Entitle your users to the new Berkshire Bank services
 Verify your ACH templates

 

40. How do I log in to Business Solutions Online Banking?

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If you are an active First Choice Bank business online user, you will receive a letter dated Tuesday, January 17 and another dated Thursday, January 19 with complete instructions on how to log in to Business Solutions Online Banking and set up new secure sign-in procedures. 

If you have not received your login information by Friday, January 30, please contact us at 800.773.5601.

41. Is there anything else I will need to do to ensure a smooth transition for my Business Solutions Online Banking?
Yes. Before Friday, January 20, to ensure a smooth transition, please:

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 Download First Choice Bank statements and check images
 Verify established First Choice Bank ACH templates converted to Berkshire Bank
 Use the preview period to familiarize yourself with the new Berkshire Bank system 

42. What do I need to know about Berkshire Bank’s Business Solutions Online Bill Pay?
Our bill pay system allows you to pay bills as needed or schedule recurring automatic payments on a weekly, biweekly or monthly basis, including invoices. You can also receive e-bills from entities such as your electric company, credit card provider and wireless carrier.

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Berkshire Bank is a “due date” driven online banking bill pay provider. This means the date you select for your payment will be the earliest date that we guarantee your payment will arrive to your payee. 

Berkshire Bank will withdraw the funds from the account on the date that you have selected as the due date electronically via the Automated Clearing House (ACH), which is also the date that the payee will receive payment
If a check is created to make the payment on your behalf, the funds will be withdrawn from your account on the date the cashed check from the payee reaches Berkshire Bank

43. If I use First Choice Bank Business Online Bill Pay, what do I need to do prior to conversion weekend?

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To ensure a smooth transition to Berkshire Bank, it is important that you take the following actions before Friday, February 10: 

Print and download your First Choice Bank on-demand bill pay history: 90 days of history will convert
Start using Berkshire Bank’s bill pay on or after Monday, February 13 and
Review your bill pay account to verify your primary funding account,       payees, and payments transferred to Berkshire Bank correctly
Review your recurring payments

44. Will my current First Choice Business Online Bill Pay account and payee information transfer?
Yes. We will transfer your current bill pay account and payee information.

45. As a business online banking user, will I still be able to initiate ACH?

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Yes. If you are a current ACH online business banking user, please use the preview period (non- transactional) to verify and update your ACH templates. 

As an extra layer of security, multiple approval levels are available if you are initiating ACH. As a Business Solutions customer, you now have the ability to initiate wires via online banking. Contact us at 800.773.5601 for details.

46. What do I need to know about Berkshire Bank’s Remote Deposit for businesses?

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If you are a current remote deposit customer, you will be contacted by Berkshire Bank’s remote deposit staff to complete installation and training. We will start converting customers a few days prior to conversion weekend and continue through the following week. If you are close to a branch and can physically make your deposits or do not make daily deposits, we are seeking volunteers to discontinue using their current service pre-conversion so we may install and train you ahead of time. 

Deposit files are processed three times a day at 11:00 am, 1:00 pm and 5:00 pm. Regardless of delivery and processing time, the funds are available the next business day. Berkshire Bank is a five-day-a-week processor, so while deposits can be made 24 hours a day 7 days a week, any deposit completed after 5:00 pm ET will not be processed and posted until the next business day. Deposits made after 5:00 pm ET on Friday will not be processed and posted until Monday.
Customers are responsible for keeping deposited checks in a locked, secure area and then securely shredding after 30 days.

47. What do I need to do if I use QuickBooks™?

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Before Friday, February 10, you will need to download your First Choice Bank transaction history. 

Starting Monday, February 13, activate Berkshire Bank as your new financial institution. Detailed information about using QuickBooks™ is available at berkshirebank.com/welcome-First-Choice or http://fi.intuit.com/support/conversionguides.

Consumer, Auto, Mortgage, Home Equity, Commercial and Business Loans

48. Will my current First Choice Bank loans and lines of credit convert to Berkshire Bank loans and lines of credit?
Yes. The terms and conditions expressed in your current loan documents, including the interest rate will remain the same. Certain home equity lines of credit will be given new due dates. A separate mailing will be sent to customers on Friday, January 6 with due date changes.

49. Will my loan number change?

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First Choice Bank loan numbers will not change. Please verify your loan number on your first Berkshire Bank bill. 

50. How do I make my loan payments?
Beginning Monday, February 13, for your convenience, all payments made at a Berkshire Bank office will be effective the same day. Transfers or payments made using online banking or telephone banking will be processed on the same business day until 7:00 pm ET. 

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Please continue to remit your loan payments as you have in the past until Friday, February 10. Beginning Monday, February 13, you may bring your payments into your local Berkshire Bank branch or mail your payments to us at: 

Berkshire Bank – Payment Processing – P.O. Box 4129 – Woburn, MA 01888-4129

51. Will I continue to receive a loan payment notice?
If you currently receive a monthly payment notice for your loan, line of credit or overdraft protection, you will continue to do so.

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If you are currently paying with a coupon book, you will begin to receive a monthly billing statement after Monday, February 13. For your convenience an envelope will be provided for your payment with your billing statement remittance form. 

In addition, beginning Monday, February 13, billing statement notices will be sent to you by Berkshire Bank and have a new look. If your due date changed, the new date will appear on your first bill produced after Friday, February 10.

52. What should I do if I use automatic payment deduction for my loan payment?
If you have your payment deducted electronically from your First Choice Bank checking or savings account, the payments will continue to be deducted from that same account after the conversion. This will occur automatically, with no interruption in your payment schedule. If your payment is deducted from another financial institution, please contact that institution with your loan account number and Berkshire Bank’s routing number, 211871691, or contact our loan servicing team at 800.773.5601 to establish a Berkshire Bank initiated ACH or automatic payment.

53. What do I need to do if I have a residential mortgage or commercial mortgage loan?

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All commercial mortgage loan customers and home equity line of credit customers should contact their insurance carrier to change the mortgagee clause from First Choice Bank to Berkshire Bank. Please contact your insurance company/agent to update the mortgagee clause to read as follows: 

Berkshire Bank – ISAOA ATIMA – P.O. Box 150, Northville, NY 12134

Residential mortgage loan customers should not request any changes or updates to their insurance coverage as a result of this merger.

54. How do I contact the Bank regarding my existing home equity or consumer loan?
For questions related to existing home equity or consumer loan billing, payments or general loan servicing, please contact loan servicing by phone at 800.773.5601, extension: 8564; or by email at retailloanservicing@berkshirebank.com.

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The new mailing address for retail loan correspondence after Friday, February10 will be:  

Berkshire Bank – Retail Servicing – P.O. Box 1308 – Pittsfield, MA 01201-1308

Home equity line of credit customers will receive new checks from Berkshire Bank. If you have not received them, or need to order additional, please contact loan servicing.

55. How do I contact the Bank regarding a new mortgage, home equity or consumer loan application?
For questions regarding a new or pending mortgage with First Choice Loan Services, please contact your loan originator directly, call First Choice Loan Services at 855-532-2047 or visit www.fcloans.com.
For questions regarding a new or pending home equity or consumer loan, please contact your local branch.

56. How do I contact the Bank regarding my commercial or business banking loan?
For all commercial loans, please direct your questions to your relationship manager, business banker or portfolio manager.

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You may also contact us at 800.773.5601 and follow the prompts to be directed to our commercial loan department for any questions related to billing, auto pay or general loan servicing. 

Other Services

57. Will my IRA tax withholding from my IRA distribution(s) continue?
Yes. Your election for Federal tax withholding from your IRA distribution(s) will continue. However, your State IRA tax withholding will NOT continue.

58. What is Berkshire Bank’s routing number?

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On or after Monday, February 13, you may provide and use Berkshire Bank’s routing number: 211871691. 

59. Will the terms and rate of my certificates of deposit (CD) and individual retirement account (IRA) change?

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No. All rates, terms and conditions of your CD and IRA remain the same until their maturity date. Prior to all maturity dates, a maturity reminder notice will be mailed to you. 

60. Will safe deposit box services be available over the conversion weekend?
No. Starting Monday, February 13 these services will be provided by Berkshire Bank at all transitioning branches. The same terms and conditions will be honored until the renewal date on your safe deposit box services contract.

61. What are Berkshire Bank’s incoming wire Instructions?
Domestic and international receiving wires will need to be re-established using Berkshire Bank’s swift code and routing number.

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 Incoming domestic wire instructions:

          ABA#: 211871691
  Beneficiary Bank:    Berkshire Bank 
  Beneficiary Account:    Customer’s Account Number   
  Beneficiary Name:     Customer’s Name 
  Beneficiary Address:    Customer’s Address

 Incoming international wire Instructions:
   :57A: //FW211871691
   :59A: /Customer Account Number Customer Name Customer Address

 

62. How will my Federal Deposit Insurance Corporation (FDIC) insurance be affected?
Following the merger, your deposit accounts will be insured by the FDIC up to a total of $250,000, with higher coverage amounts available under certain circumstances, depending on account ownership structuring and other factors. Deposit customers who have accounts at both First Choice Bank and Berkshire Bank on the merger date will continue to benefit from separate FDIC insurance coverage for six months from the date of merger. For example, with the merger date of December 2, 2016 separate coverage will be in effect until June 2, 2017.
First Choice Bank’s customers with certificate of deposit (CD) accounts will continue to receive separate FDIC insurance coverage until the CD account’s first maturity date following the six-month period after the merger up to a total of $250,000. For CD accounts maturing within the six-month period after the merger, separate coverage will extend to the next maturity date if the CD is renewed for the same duration (term) and dollar amount, including any interest added to principal; if the CD is renewed for a different dollar amount or term, the separate coverage benefit will terminate at the end of the six-month period after the merger. We encourage you to review the FDIC detailed explanations of coverage online at: www. fdic.gov/deposit. Further information can also be obtained by contacting the FDIC central call center at 877.ASK.FDIC or 877.275.3342. If you have any questions, please call or visit your nearest Berkshire Bank branch and we will be pleased to assist you in maximizing FDIC coverage of your deposit accounts.

63. Does Berkshire Bank offer credit cards?

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Yes. Berkshire Bank offers personal and business credits cards, including rewards cards that earn points on every purchase, to pay down your balances on other credit cards faster or to save on interest. Whatever your needs, we have a credit card that’s right for you (subject to credit approval). 

64. What will happen to my current First Choice credit card?
Your First Choice Primor credit card will continue as normal.

65. As a customer of Berkshire Bank, will I have access to insurance with Berkshire Insurance Group?

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Yes. As a Berkshire Bank customer, you now have access to Berkshire Insurance Group, a Berkshire Bank affiliate, for all your personal and business insurance needs. 

We invite you to experience the Berkshire Insurance Group difference to save you time and money. Contact us at 866.636.0244 for a no-obligation insurance review.

66. Does Berkshire Bank offer investments, private banking and wealth management services?

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Yes. Our teams of exemplary professionals have a proven track record of excellence in client service – dedicated to your unique needs and personal philosophy. 

For more information on investment services, call Kevin O’Donnell, Vice President-BerkshireBanc Investments, at 413.236.3166.
For more information on private banking services, call Beth Mineo, Senior Vice President at 413.523.7918.
For more information on wealth management services, call Kathryn Dube, First Vice President, at 413.452.5134.

67. Where will I find Berkshire Bank branch and ATM locations?

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After Monday, February 13, you’ll have access to 99 branches and ATM locations throughout New Jersey, Pennsylvania, Massachusetts, Connecticut, New York and Vermont. For a complete listing of our branch hours and locations, please visit our website at berkshirebank.com/locations or call 800.773.5601. 


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