Welcome to the State Bank Group
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Harvard Savings Bank 58 North Ayer, Harvard, IL
Harvard Savings Bank 1400 North Division, Harvard, IL
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We've Grown to Serve You Better!
Harvard Savings is now a part of The State Bank Group
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The State Bank Group becomes Bigger and Better!
• Personal Service by the Friendly Faces You Have Come to Know and Trust
• Convenient Access at 8 Locations
• Access to Additional Products and Services
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Welcome Harvard Savings Bank Customers

Harvard Savings Bank Customers

Login to Online Banking

Access your online banking account. (for Harvard Savings Bank Customers Only).

Online Banking Enrollment

Sign up for online banking (for Harvard Savings Bank Customers Only).

E-Statements

For non-online banking customers (for Harvard Savings Bank Customers Only).

Welcome Harvard Savings Bank Customers

A Message from the President of The State Bank Group

A State Bank Group Banking ServiceAUGUST 1, 2016 — As the president of The State Bank Group, I want to welcome the customers of Harvard Savings Bank. As of August 1, 2016, The State Bank Group officially acquired certain assets of Harvard Savings Bank.

This acquisition combines two banks that share a lot of common values when it comes to personalized service, commitment to the customer and community involvement. We have always believed in developing banking relationships to stand the test of time and create positive outcomes for businesses, homeowners, families and individuals.

Combining The State Bank Group with Harvard Savings Bank allows for the collective customers of each bank to benefit from additional products, services, and locations to better meet the needs of our customers and communities. The long-standing histories of both The State Bank Group and Harvard Savings Bank combine to over 100 years of institutional strength and community foundation.

The State Bank Group has six McHenry County locations. Combined with Harvard Savings Bank, there will be nine locations to better serve our customers:

As always, familiar faces and caring professionals will be ready to assist you and answer your questions.

Harvard Savings Bank locations will continue to run their current banking system until approximately the spring of 2017.

In the meantime, all bank customers can conduct transactions at any of the collective banking locations listed above. There will be no need to immediately change account information.

Additionally, Harvard customers can use the ATMs of The State Bank Group and vice-versa and any ATM fees for using either bank’s ATMs will be waived.

Some of the State Bank Group’s products and services will be available immediately to Harvard Savings Bank customers and others will become available once the banks’ systems are fully merged, The State Bank Group looks forward to having Harvard Savings Bank customers enjoy a greater range of benefits:

  • Digitally advanced banking services for consumers and businesses online and through mobile apps, including the ability to deposit checks via smart phone or tablet
  • BaZing retailer promotions and savings combined with additional features such as identity theft protections, roadside assistance and cellular phone replacement protection
  • Expertise in commercial, construction, mortgage and agricultural lending
  • Cash management services for businesses, including ACH origination, remote deposit, direct deposit for payroll processing
  • Robust merchant services allowing business customers to accept credit and debit cards in their business establishment and accept payment via the internet in a variety of different ways
  • Forthcoming instant issue debit cards which eliminate the wait time to receive card and PIN in the mail, and allows customers to leave the bank with a fully-functioning, active payment card

All deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000. Please refer to our website at thestatebankgroup.com for more information to address more detailed questions about the acquisition and banking transactions. We also encourage you to speak with our banking professionals. Thank you to all our customers and we will be working hard every day to ensure your banking experience is superior and that we deserve your continued business. Watch for details in the future as we make positive and exciting enhancements for you.

Sincerely,

Stephen J. Mitchell

President

New Customer Questions? Please Read New Customer FAQs

Banking Services for Harvard Savings Bank Customers

Available to Harvard Savings Bank Customers Only. Questions? Please Read New Customer FAQs

Harvard Savings Bank Online Banking

A State Bank Group Banking Service Harvard Savings Bank Online Banking, it’s fast, easy & free!

See for yourself!

Harvard Savings Bank Online Banking Enrollment

  • Secure access to accounts: anytime, anywhere.
  • Easily transfer money between your accounts, and to friends and family.
  • Receive customized alerts to help stay on top of your account activity.
  • Save time when you use Bill Pay. It's an easy, fast and secure way to pay your bills.
  • View credit card account activity, pay your bill online and more.

Enroll now! For Online Banking

Login to Harvard Savings Bank Online Banking

Access your online banking account (for Harvard Savings Bank Customers Only).

Harvard Savings Bank Online Banking Password Reset

Forgot your password? You can reset it here

Wire Transfers

A State Bank Group Banking Service If you have a wire transfer sent to your account at Harvard Savings Bank, you will need to contact the bank directly. Please call 815-943-7000.

Overdraft Protection Transfer

Avoid paying an overdraft fee and the embarrassment of returned checks!

State Bank Group Banking Logo With Overdraft Protection Transfer, we will use your own money to protect your checking account from overdrafts. We will automatically transfer money from your Harvard Savings Bank and Loan savings account or deposit account to your checking account in order to protect your checking account from an overdraft.

Here’s how it works:

  • We link your savings, money market or another checking account to your Primary checking account.
  • If you overdraw your Primary checking account, we transfer available money from your deposit account to your checking account to cover the overdraft.
  • There is no limit to the number of checks presented in a day; as long as the money is available in your deposit account, we’ll transfer the money to cover the overdrafts.
  • The cost is $10 per transfer when an overdraft occurs.

Terms of Use

A State Bank Group Banking ServiceTHESE TERMS GOVERN THE USE OF THIS WEBSITE. PLEASE READ THEM CAREFULLY BEFORE ACCESSING THIS SITE.

  • IF YOU DO NOT AGREE WITH THESE TERMS
  • DO NOT ACCESS THE WEBSITE.
  • BY ACCESSING THE WEBSITE OR ANY OF ITS PAGES YOU AGREE TO BE BOUND BY THESE TERMS OF USE.

This website has been established by the Bank for the sole purpose of conveying information about the Bank’s products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the bank’s agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the bank’s agreements and disclosures, the agreements and disclosures will control. From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page. The information and materials contained in this website are owned by the Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law. The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank expressly disclaims any representation and warranty, expressed and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.

This agreement may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time. This agreement and the use of this website are governed by the laws of the State of Illinois.

Direct Deposit

A State Bank Group Banking Service Direct Deposit is a safe and easy way to have funds deposited directly into your Harvard Savings Bank accounts. Here are a few reasons to take advantage of this service:

  • Quick - your money is electronically transferred into your account and available to use instantly once the transfer is complete. With direct deposit your money is ready to use on the day of transfer.
  • Reliable - it puts money in your account on time, every time. There's no check-hold delay, nothing to get lost.
  • Convenient - there's no need to arrange for a special deposit or trip to the bank-a real convenience when you are away from home on vacation or business.
  • Secure - worries about lost, stolen or misplaced checks are a thing of the past. With the electronic trail that direct deposits leave, payments are easier to track than paper checks.

Please contact the organization that issues the check for their direct deposit form. Fill it out completely using the Harvard Savings Bank routing number (271972103) and your respective account number. If you need assistance filling out the form, please stop by any of our offices.

For Direct Deposit of your Social Security payments, you can contact the Social Security Administration directly at 800-772-1213 or go to www.socialsecurity.gov.

Basic Checking

Features WOW Rewards Checking Lifetime Checking Basic Checking Gold Premier Money Market
Opening Deposit Requirement $100 $700 $200 $5,000
Monthly Service Fee $0 $10 $0 $10
Minimum balance to avoid service fee $0 $700 $0 $5,000
Earns Interest checkmark checkmark   checkmark
Unlimited Check Writing checkmark checkmark checkmark  
Foreign ATM Surcharge fees returned up to $10 per month      
Online Banking & Bill Pay Free Free Free Free
Free e-statements checkmark checkmark checkmark checkmark
Free Debit Card checkmark checkmark checkmark checkmark
Overdraft Protection Transfer checkmark checkmark checkmark checkmark
Free Cashiers Checks/Money Orders       checkmark
Account Requirements Fifteen (15) signature based debit card transactions and one (1) direct deposit each statement cycle to receive premium interest rate and ATM refunds     Six total withdrawals per statement cycle. A fee of $5 will be assessed for each check in excess of six during the statement cycle. Unlimited over-the-counter withdrawals.
Interest Rate and **APY (Annual Percentage Yield) are variable and subject to minimum balance requirements, tiered rates and subject to change at any time.  Rate sheets are available upon request.  Fees could reduce earnings.  Up to $10 refunded in the statement cycle if the requirements are met.

 

WOW Rewards Checking

A State Bank Group Banking Service The best rewards are those that are easy to earn! With WOW Rewards Checking, get paid a higher interest rate by using your debit card and having a direct deposit! Features: No minimum balance requirement, No monthly maintenance charge, Earn APY* on balances up to $15,000 AND receive up to $10 ATM Refunds nationwide when you have 15 signature based debit card transactions and 1 direct deposit each statement cycle. Unlimited check writing, FREE e-Statements, Overdraft Protection, Transfer option, FREE Online Banking & Bill Pay, MasterCard Debit Card, EZ-Bank 24-hour telephone banking. $100 to open. Fees may reduce earnings. See banker for complete account details.

*To receive stated annual percentage yield and up to $10 in ATM Refunds nationwide, you must meet the following qualifications each monthly statement cycle: 1. Make 15 signature-based (non-PIN) point of sale (POS) purchases that post to your account during the monthly statement cycle with your HSB MasterCard Debit Card, 2. Receive a minimum of one direct deposit to your account during the monthly statement cycle. If you do not meet the qualifications during the monthly statement cycle, your account will still function as a basic checking account with an interest rate on all balances and you will not receive ATM refunds for that statement cycle. Fees could reduce earnings. Qualifying transactions must post and clear to the account during the monthly statement cycle.

Lifetime Checking

A State Bank Group Banking Service Ideal for those who want convenience & interest! Tiered interest rates–the more money you have in your account the more interest you will earn! Features: No monthly maintenance charge,* Unlimited check writing,* FREE e-Statements, Overdraft Protection, Transfer option, FREE Online Banking & Bill Pay ,MasterCard Debit Card, No Fee single-signature traveler’s checks, EZ-Bank 24-hour telephone banking, $700 to open. *If your balance falls below $700 within the monthly statement cycle, the account will be assessed a $10.00 charge plus $.25 per check over 10 for that monthly period. Fees could reduce earnings.

Balance to Maintain APY* Minimum Deposit to Open**
$0.00 to $999.99 $700
$1,000.00 to $9,999.99 $700
$10,000.00 to $24,999.99 $700
$25,000.00 to $74,999.99 $700
$75,000 or more $700

**If your balance falls below $700 within the monthly statement cycle, the account will be assessed a $10.00 charge, plus $.25 per check over 10 for that monthly period. Fees could reduce earnings.

Basic Checking

A State Bank Group Banking Service Convenient and worry-free checking! Features: No minimum balance requirement, No monthly maintenance charge, Unlimited check writing, FREE e-Statements, Overdraft Protection, Transfer option, FREE Online Banking & Bill Pay. MasterCard Debit Card, EZ-Bank 24-hour telephone banking, $200 to open.

Gold Premier Money Market

A State Bank Group Banking Service Every check order is FREE, FREE Online Banking & Bill Pay, e-Statements, MasterCard Debit Card, EZ-Bank 24-Hour Telephone Banking, Free single party travelers checks, and Free money orders, bank checks and cashiers checks.

Balance to Maintain APY* Minimum Deposit for Open**
Up to $4,999.99 $5,000
$5,000.00 to $24,999.99 $5,000
$25,000.00 to $49,999.99 $5,000
$50,000.00 to $99,999.99 $5,000
$100,000.00 to $174,999.99 $5,000
$175,000 or more $5,000

*Annual Percentage Yield

***If the balance falls below $5,000 during the monthly cycle an $10.00 service charge will be assessed to your account.

Lost or Stolen MasterCard Debit Card: 800-554-8969

Bill Pay Customer Support Line: 855-723-2228

Funds Availability Policy Disclosure

Harvard Savings Bank
58 N. Ayers St.
Harvard IL, 60033

Purpose of this Disclosure

A State Bank Group Banking ServiceThe information here describes our policy of holding deposited items in a transaction account before funds are made available to you for withdrawal. This is our Funds Availability Policy. In summary, our policy is to make your funds available on the first Business Day after the day of deposit. Please refer to the section DETERMINING THE AVAILABILITY OF YOUR DEPOSIT for the complete policy.

For purposes of this disclosure, the terms "you"/"your" refer to the customer and the terms "our/"we"/"us" refer to HARVARD SAVINGS BANK. Generally, transaction accounts are accounts which would permit an unlimited number of payments by check to third persons, and also an unlimited number of telephonic and preauthorized transfers to third persons or other accounts you may have with us.

Determining the Availability of Your Deposit

The length of the delay varies depending on the type of deposit and is explained below. When we delay your ability to withdraw funds from a deposit, you may not withdraw the funds in cash, and we will not pay checks you have written on your account by using these funds. Even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

When we delay your ability to withdraw funds, the length of the delay is counted in Business Days from the day of your deposit. The term "Business Day" means any day other than a Saturday, Sunday or federally declared legal holiday, and the term "Banking Day" means that part of any Business Day in which we are open to the public for carrying on substantially all of our banking functions.

If you make a deposit before the close of business on a Business Day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the close of business or on a day that we are not open, we will consider the deposit made on the next Business Day we are open.

Availability Schedule

Same Day Availability. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. In addition, funds from deposits of cash (if made in person to an employee of HARVARD SAVINGS BANK*), and wire transfers, will also be available on the day of deposit.

Next Day Availability. Funds from deposits of U.S. Treasury checks (if payable to you and deposited into your account), U.S. Postal Service Money Orders (if payable to you and deposited into your account, and the deposit is made in person to an employee of HARVARD SAVINGS BANK*), Federal Reserve Bank or Federal Home Loan Bank checks (if payable to you and deposited into your account, and the deposit is made in person to an employee of HARVARD SAVINGS BANK*), State or Local Government checks (if payable to you and deposited into your account, and the deposit is made in person to an employee of HARVARD SAVINGS BANK*), Cashier's, Certified, or Teller's checks (if payable to you and deposited into your account, and the deposit is made in person to an employee of HARVARD SAVINGS BANK*), and checks drawn on us are available on the first Business Day after the day of your deposit.

* If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available no later than the second Business Day after the day of your deposit.

Other Check Deposits. Funds from all other check deposits will be available on the first Business Day after the day of deposit.

Holds on Other Funds for Check Cashing

If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it and we decided to delay availability of the deposit.

Longer Delays May Apply

In some cases, we will not make all of the funds that you deposit by check available to you according to the previously stated availability schedule. Depending on the type of check you deposit, funds may not be available until the second Business Day after the day of your deposit. The first $200.00 of your deposits, however, may be available on the first Business Day after the day of deposit.

If we are not going to make all of the funds from your deposit available to you according to the previously stated availability schedule, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.

Funds you deposit by check may be delayed for a longer period under the following circumstances: (a) if we believe a check you deposit will not be paid; (b) if you deposit checks totally more than $5000 on any one day; (c) if you deposit a check that has been returned unpaid; (d) if you have overdrawn your account repeatedly in the last six months; or (e) if an emergency condition arises that would not enable us to make the funds available to you, such as the failure of computer or communications equipment.

We will notify you if we delay your availability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh Business Day after the day of your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.

Special Rules for New Accounts

If you are a new customer, the following special rules will apply during the first 30 days your account is open.

Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state, and local government checks will be available on the first Business Day after the day of deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available on the ninth Business Day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5.000 will not be available until the second Business Day after the day of deposit.

Funds from all other check deposits will be available on the seventh Business Day after the day of your deposit.

Foreign Checks

Checks drawn on financial institutions outside of the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds from deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which they are drawn.

Deposits at Automated Teller Machines

If you make a deposit at an automated teller machine (ATM) that is owned and operated by us before 2:00 pm Central Time on a Business Day that we are open, we will consider the deposit made that day. However, if you make a deposit at an ATM that is owned and operated by us after 2:00 pm Central Time or on a day that we are not open, we will consider the deposit made on the next Business Day we are open.

FUNDS AVAILABILITY DISCLOSURE (PDF)

Savings Accounts

Account Type Minimum Deposit to Open Interest Compounds
Regular Savings $10 Daily
Christmas Club $10 Daily
Cowabunga Kid’s Club $10 Daily

Note: *Interest Rate and **APY (Annual Percentage Yield) are variable and subject to change at any time.  Rate sheets are available upon request.  Fees could reduce earnings.

Regular Savings Account

A State Bank Group Banking Service Unrestricted access to your account ($1.00 fee per withdrawal over four per month) Statement or Passbook accounts. Minimum Account Balance to open is $10.00. Please contact a personal banker for more information. Note: Fees could reduce earnings.

Christmas Club Account

A State Bank Group Banking Service Worry-free holiday savings throughout the year, receive your account check in early November. Minimum deposit to open account, $10. Interest compounds daily. Note: Fees could reduce earnings.

Cowabunga Kid’s Club

A State Bank Group Banking Service For children up to age 14, with valid social security number, $10 to open account, Special treasure chest filled with prizes for children to choose from when they deposit money, Kid-friendly newsletter, Birthday card, Fun activities and special events.

New Customer FAQ's

A State Bank Group Banking Service Welcome Harvard Savings Customers!

Here are Answers to Questions concerning The State Bank Group Acquisition of Harvard Savings Bank.

Questions Concerning the Acquisition

Q: How did The State Bank Group acquire Harvard Savings Bank?

A: A Purchase and Assumption Agreement between the two parties was entered into on May 20, 2015 and was ultimately closed on July 31, 2016. This acquisition marks the first of its kind for The State Bank Group since its inception in 1979. The State Bank Group has been a leading bank in McHenry County and has consistently delivered exceptional customer service and we will continue to do so with the same familiar friendly faces that you have come to know and trust. The State Bank Group is a locally owned McHenry County bank. Combined with Harvard Savings Bank, we can proudly say that our banks offer over 100-years of community banking service and experience. Combining our resources brings a continued commitment to community banking and supporting our communities at-large.

Questions Concerning Account Information and Services

Q: How does this change affect me and my Harvard Savings Bank account?

A: If you had a deposit account at Harvard Savings Bank Prior to July 31, 2016, you will now be a deposit account of The State Bank Group, a Member FDIC bank. All deposits are FDIC insured under one bank up to $250,000. Prior important notifications regarding specific deposit accounts and loan accounts were sent to all Harvard Savings Bank Customers by regular mail. Rest assured, you will continue to access your Harvard Savings Bank accounts as you have been. The Harvard Savings Bank routing number, account numbers, checks and deposit slips remain the same. We are dedicated to making the transition as seamless as possible and you will experience uninterrupted service for all of your banking needs, including debit cards, ATM, online banking, bill pay, direct deposit (social security, payroll), ACH, safe deposit boxes, overdraft protection, e-statements or statement delivery by mail. When any change is required, a communication will be provided in a timely manner with detailed instructions to our customers.

Q: What happened to the Harvard Savings Bank website?

A: The State Bank Group welcomes you to a new website where your Harvard Savings Bank loan account information, online banking, e-statement and check reorder logins are available to you. Once you navigate to the respective logins for Harvard Savings Bank, you will be able to login to your online banking account, bill pay and retrieve e-statements as you always have. A single website provides The State Bank Group the opportunity to assist you better when it comes to communication about your accounts and any future notifications regarding the transition. If you attempt to go to the Harvard Savings Bank website you will be directed to The State Bank Group website. Look for our welcome message and other helpful information. You can also go directly to www.thestatebankgroup.com and look for the related links for Harvard Savings Bank customers. Again, your online banking and e-statement experience will remain unchanged once you arrive at the new login destination. Save this new link for seamless access moving forward.

Q: Will Harvard Savings Bank locations have a name change?

A: There are no plans at this time to change the names of any of the locations.

Q: What about any outstanding checks that have not yet cleared?

A: Checks that were drawn on your account before the acquisition will be handled as they always have and be honored up to your available balance.

Q: Will I need to order new checks?

A: No, you will order checks the same way you have in the past.

Q: Will there be any changes in my interest rates or fees?

A: Harvard Savings Bank's rates will be reviewed by The State Bank Group and may be adjusted; however, you will be notified in writing on changes when required by regulation.

Q: How do I make my loan payments?

A: If you have a loan with Harvard Savings Bank, you should continue to make payments to the bank as you have always done and unless you are instructed otherwise.

Q: Will I need to change any automatic debits or recurring payments that I have set up?

A: No

Q: How can I access my telephone banking?

A: If you previously used EZ Bank telephone banking, your service will be uninterrupted.

Q: Can funds be wired to me and from my Harvard Savings Bank account?

A: Funds can be wired by contacting your closest branch. Simply provide to us the information regarding your wire request and it will be handled with the highest priority.

Q: What will happen to my safe deposit box and can I use my same key?

A: All safe deposit box services remain unchanged and the key you have will still work.

Q: Can I use The State Bank Group ATMs for free?

A: Yes. The State Bank Group is making every attempt to provide ATM service at any ATM owned by The State Bank Group, including Harvard Savings Bank ATMs free of charge. If you should experience an ATM fee from an ATM owned by The State Bank Group, please contact us so that we may reverse the fee.

Q: Will I still be able to go to the same employees I have come to know and trust?

A: Yes. As with any transaction of this type, some changes are unavoidable; however, at The State Bank Group we are committed to hiring and retaining the most qualified individuals to work for the team to ensure we can provide our customers the best banking experience.

Q: Will any of the Harvard Savings Bank locations be closed?

A: There are no plans to close branches.

Q: Can I conduct my banking at any of The State Bank Group locations?

A: Yes, you can use any of the nine banking locations including your favorite Harvard Savings Bank location. See our website for all our banking and ATM locations.

In the spring of 2017, The State Bank Group plans to convert Harvard Savings Bank customers to the accounting system operated by The State Bank Group. Future communication closer to that timeline will be provided about that transition.

Q: Will the Harvard Savings Bank locations continue to have the same operating hours?

A: The hours will remain the same for a period of time but will be subject to review by The State Bank Group. Traditionally, The State Bank Group has operated with the most customer friendly hours. Changes to operating hours will be announced well in advance of making any changes.

Additional Questions Concerning the Acquisition

Q: What if I have more questions or need information regarding my accounts?

A: Please contact your local Harvard Savings Bank branch for details regarding your Harvard Savings accounts and loans.

Q: Will I still use the same phone numbers for Harvard Savings Bank locations?

A: Yes. In the near future, our banks will have one phone number. We will promptly notify our customers in advance when we can expect that enhancement to take place. We expect the transition will be seamless.

Q: Can I take advantage of additional offerings by The State Bank Group that I do not have with my Harvard Savings Bank account?

A: Yes, in some instances it would require that you open an account offered by The State Bank Group. Certain account offerings have more robust solutions such as mobile banking and mobile deposit. Please contact our customer service department at 815-728-8000 so that we may assist you. In the spring of 2017, a bank systems conversion will provide universal products and services to all our customers.

Q: What if I have additional questions on the acquisition in general?

A: Please feel free to contact the President of The State Bank Group, Stephen Mitchell at 815-728-8000. He will take your call directly, no screening, no secretary, and he will be pleased to answer any of your questions. We also encourage you to ask for any manager of The State Bank Group. We are looking forward to getting to know you.