First National Bank Conversion FAQ

We understand you have a lot of questions involving the upcoming conversion between First National Bank of McHenry and Blackhawk Bank.  We are here to answer those questions.  If you don't see an answer you have a question to, please just ask and we will be happy to respond. 

Please Note: All times noted are Central Standard Time (CST).
Q. When will the banks merge? Will First National Bank (FNB) change their name?
A. Yes, First National Bank will merge with and into Blackhawk Bank on the weekend of July 19-22, 2019. This is the weekend “the change” will occur and First National Bank will adopt the Blackhawk Bank identity, logo, signage, products, systems, etc. and we become one community-minded bank.
Q. Will there be branch closings?
A. All First National Bank branches will remain open. One of the many things that attracted Blackhawk Bank to First National Bank was the diversity and locations of the three existing branches – Richmond, McHenry, and Island Lake.
Q. Will branch hours change?
A. We are looking to attain consistency between all branches and will be expanding the hours available to you. Beginning Monday, July 22, 2019 the new hours of operation will be:

Lobby Hours:
Monday – Thursday: 8:30am – 5:30pm
Friday: 8:30am – 6:00pm
Saturday: 8:30am – 12:30pm

Drive-Up Hours:
Monday – Thursday: 7:30am – 6:00pm
Friday: 7:30am - 7:00pm
Saturday: 8:30am – 12:30pm
Q. Can Blackhawk Bank customers conduct transactions at First National Bank locations and vice versa?
A. Yes, after the conversion. Starting on Monday, July 22, 2019, you are welcomed to conduct your banking business at any of our 11 full-service Banking Centers.
Q. Will my account(s) change?
A. Your account(s) will automatically transfer to the Blackhawk Bank account that is most similar to what you have at present. Many of the new accounts provide the exact same benefits you enjoy now. Review Your Guide to Bank Accounts and Services, which serves as your guide to understanding how your current First National Bank accounts(s) will convert into a Blackhawk Bank account(s).
Q. Will my account numbers change?
A. We have good news! All account numbers will remain the same throughout and after the conversion.
Q. Can I still use my First National Bank of McHenry checks?
A. Yes, you may continue to use your existing supply of First National Bank checks until you have depleted your current stock. Should you feel the need to place an order for checks between now and the conversion date of Friday, July 19, 2019, we encourage you to order as small a quantity as possible. For directions about placing your first order after the conversion, please see the Checks section (page 19) of Your Guide to Bank Accounts and Services.
Q. I receive Social Security checks that are automatically deposited into my account. Do I need to do anything different after the conversion?
A. You don’t need to do anything if you are receiving auto-deposited Social Security Checks; a Notice of Change request will be sent to the Social Security Administration, upon receiving your Social Security deposit. Learn more about direct deposits and ACH Payments on page 15 of Your Guide to Bank Accounts and Services.
Q. Can I continue using First National Bank’s online banking system for now?
A. Yes, you may use the First National Bank online banking system until Friday, July 19, 2019 at 3:00pm. Prior to July 19, 2019, we recommend that you download or print your account history, statements, recurring transfer schedules and bill payment information. Two statement cycles of transaction history are expected to automatically convert to Blackhawk Bank’s online banking system, known as NetTeller. More information about Blackhawk Bank’s online banking system, known as NetTeller, can be found in Your Guide to Bank Accounts and Services, beginning on page 16.
Q. Can I continue using my current VISA Check Card from First National Bank?
A. You may use your VISA Check Card until Monday, July 22, 2019 at or around 2:00am, at which time it will become inactive. Remember! Be sure to destroy your old card!
Q. If I’ve authorized companies to use my VISA Check Card as a payment source, do I have do to anything different with the new card?
A. Yes. If you currently authorize companies to use your First National Bank VISA Check Card as a payment source or you have recurring payments that get debited from your account through your card, you will want to provide those companies with your new Blackhawk Bank Debit Mastercard information prior to payments due on or after Monday, July 22, 2019.
Q. When will I receive a new Blackhawk Bank Debit Mastercard or ATM card?
A. All First National Bank VISA Check Cards and ATM cards that have been active and open within the past 24 months will be replaced with a new card. You will receive your new Blackhawk Bank card during or before the week of July 15, 2019. You will also receive a separate mailer a couple days ahead of the card that will include the Personal Identification Number (PIN) that you will need to activate and use your new card. Detailed activation instructions will be included with your card. Please see the Debit Mastercard and ATM Card section of Your Guide to Bank Accounts and Services, for further information.
Q. When can I activate my new Blackhawk Bank Debit Mastercard or ATM card?
A. You may activate and begin using your new card on or around 8:00am CST on Monday, July 22, 2019. We encourage you to arrange a secondary form of funds during Conversion Weekend, between Friday evening and Monday morning.
Q. Who do I call for a lost or stolen debit or ATM card?
A. Prior to Friday, June 21, 2019: If your First National Bank Visa Check Card or ATM card are lost or stolen prior to Friday, June 21st, contact First National Bank at 815.385.5400, 24 hours a day, 7 days a week. Upon reporting the incident, your card will be stopped and you will be sent a replacement First National Bank Visa Check Card or ATM card.*

Friday, June 21 – Thursday, July 18, 2019: If your First National Bank Visa Check Card or ATM card is lost or stolen between Friday, June 21st and Thursday, July 18th, contact First National Bank at 815.385.5400, 24 hours a day, 7 days a week. Upon reporting the incident, your card will be stopped. Replacement First National Bank VISA Check Cards and ATM Cards are unable to be issued during this time period.*

Friday, July 19 – Monday, July, 22, 2019 (Conversion Weekend): If your First National Bank Visa Check Card or ATM card is lost or stolen between Friday, July 19th and 2:00am CST on Monday, July 22nd, contact First National Bank at 815.363.5880, during normal business hours. After hours, call 800.472.3272. Upon reporting the incident, your card will be stopped. You may activate and begin using your new Blackhawk Bank Debit Mastercard or ATM card on or around 8:00am CST on Monday, July 22nd.*

On and After Monday, July 22, 2019: Beginning July 22nd, to report a lost or stolen Blackhawk Bank Debit Mastercard, call Blackhawk Bank Client Services at 815.363.5880 or toll-free at 866.771.8924, during normal business hours. After hours, call 888.297.3416. Your card will be stopped and a new one will be issued.

*All current First National Bank clients that have an active (transaction activity posted within the past 24 months) Visa Check Card or ATM Card as of June 21, 2019 will receive a new Blackhawk Bank Debit Mastercard or ATM Card during or before the week of July 15th, replacing their First National Bank Visa Check Card or ATM card. Clients will also receive a Personal Identification Number (PIN) in the mail a couple of days before receiving their card. Use this PIN to activate and use your card on or around 8:00am CST on Monday, July 22nd.
Q. Does Blackhawk Bank offer Apple Pay and other digital wallet options?
A. Yes! With a tap of your phone or smartwatch, you can use your Blackhawk Bank Debit Mastercard to pay at millions of stores that accept mobile payments. Blackhawk Bank’s debit cards are compatible with Google Pay, Apple Pay and Samsung Pay! Learn more about Blackhawk Bank's Digital Wallets.
Q. Can I Bank-by-Phone with Blackhawk Bank after the conversion?
A. Yes! Blackhawk offers 24/7 Bank-by-Phone services. For more information about Bank-by-Phone, review page 18 of Your Guide to Bank Accounts and Services.
Q. Will safe deposit boxes continue to be offered?
A. Yes! Blackhawk Bank currently offers this service and it will continue after the conversion. Learn more about Safe Deposit Boxes on page 18 in Your Guide to Bank Accounts and Services.
Q. Can I still pay my property tax payments?
A. Yes. All Blackhawk Bank locations will accept property tax payments for Lake, McHenry, Boone, and Winnebago Counties.
Q. Can I still get my Illinois License plate sticker at Blackhawk Bank?
A. Illinois license plates stickers will still be available at the McHenry, Richmond and Island Lake Banking Centers, only.
Q. Will Notary Services and the Medallion Signature Guarantee Stamp program still be offered?
A. Yes! The program is also offered at all current Blackhawk Bank locations and we intend to keep the program intact.
Q. I have Overdraft Defender on my account now. Will that automatically be replaced?
A. Blackhawk Bank offers Courtesy Pay. If you currently have Overdraft Defender, you may expect a separate mailing with more information. Courtesy Pay can provide a safety net up to a pre-determined overdraft limit. Courtesy Pay coverage may be available for checks and other transactions that use a checking account number, automatic bill payment, and recurring debit card payments. Please see a banker for details.
Q. What additional benefits may I expect as a result of the merger with Blackhawk Bank?
A. We are excited about offering you new and innovative products and services that Blackhawk Bank has become known for. There are many benefits to enjoy. Here are just a few that are coming your way soon!

Personal Banking Customers:
• Instant Issue Debit Mastercard
Online account opening
Easy Money Checking account with ATM fee reimbursements
Watchdog Checking account with ID theft protection
Investment Health Savings Accounts

Business Banking Customers:
• Full Cash Management product suite and dedicated Cash Management service team
• Ability to export payment data with accounting software
• Expertise in manufacturing, dental, and healthcare industries
• Free HR consultation, free Marketing online brand consultation, and Work Perks program
• Free financial and Health Savings Account advice for employees of business customers
Corporate Leasing Program
Q. Will my rates on loans change?
A. Rates already locked in will not change. Between now and the conversion weekend and thereafter, rates will be set by local management based on local competitive conditions.
Q. Will the terms of my personal loans change?
A. All terms of your personal, auto, installment, home equity, HELOC, and mortgage loans will be honored as is.
Q. Will loan decisions still be made locally?
A. Yes, loan approvals will continue to be handled as they have in the past. We will make loans to credit worthy individuals and businesses. Deposits will continue to be invested locally.
Q. Will the bank’s routing number be different after the conversion weekend?
A. Yes. Blackhawk Bank’s routing number is 275971854.
Q. What does Blackhawk Bank consider an “inactive” account?
A. A checking or savings account is considered dormant when no in-person transaction activity has occurred in the previous 24 months.
Q. Will my rates on CDs and IRAs change?
A. Rates and terms will not change until maturity/renewal.
Q. Is Blackhawk Bank active in the community?
A. Absolutely! Blackhawk is passionate about the communities we serve. You’ll find our teammates at everything from charity golf tournaments to fundraising events and everything in between. We have a special dedication to improving the quality of life in our communities and we hope you will join us in that effort as we expand our presence.
Q. What about FDIC insurance?
A. At Blackhawk Bank, your deposits are protected up to the insurance limit by the Federal Deposit Insurance Corporation (FDIC). FDIC insured accounts include checking and savings accounts, money market deposit accounts, CDs, and deposits in IRAs. Your interest-bearing deposit transaction accounts at Blackhawk Bank, as well as deposits in IRAs and certain other retirement accounts, are insured up to $250,000 per depositor, subject to certain limits. You can confirm that your deposits are within the insurance limits by using the FDIC’s Electronic Deposit Insurance Estimator (EDIE) or by calling the FDIC at 1.877.275.3342. A Blackhawk Bank representative would be happy to sit down with you to discuss the coverage on your deposits or any financial needs. You can learn more about the FDIC through their website located at www.fdic.gov/deposit.

NOTE: If you currently have both First National Bank and Blackhawk Bank accounts, after conversion, the combined deposit amounts will fall under the FDIC limits.
Q. If I have any general questions, who do I call?
A. Here’s some more great news! You can still call the same friendly and professional bankers you have come to know – and, now they will be Blackhawk Bankers. Local Client Services is available at 815.363.5880 or toll-free 866.771.8924, Monday-Friday: 8:00am - 6:00pm or Saturday: 8:30am - 12:30pm.
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815.385.5400
or toll-free at 866.771.8924