Real Hours for Real People.

Texas Proud Since 1901

First Convenience Bank (FCB), the oldest Bell County bank, dates its history back to February 27,
1901, when it opened its doors in Killeen. The same pioneering spirit that drove our success 110
years ago remains a driving force as we continue to provide for the safety and security of your
financial needs.
First Convenience Bank remains committed to providing customers across the great State of Texas
with quality banking products and services. Visit us at any of our 220 bank branches and experience
the convenience FCB has to offer. Enjoy seven-day banking with extended hours, more than 360
ATMs and friendly personal bankers ready to serve all of your financial needs. First Convenience
Bank — Texas Proud Since 1901.

Company History TD Bank

TD Bank, America's Most Convenient Bank®, has proudly provided
unparalleled convenience and legendary WOW! customer service for more
than 150 years.

The company first opened its doors as Portland Savings Bank in Portland,
Maine, in 1852, and later grew through a series of mergers and became
Peoples Heritage Bank in 1983. At the turn of the millennium, the opportunity
for growth presented itself again as Peoples Heritage Bank, through several
acquisitions, expanded deeper into New England and took the name
Banknorth.

Meanwhile, Cherry Hill, New Jersey-based Commerce Bank was turning

Customers into Fans as America’s Most Convenient Bank. Founded in 1973,
Commerce Bank expanded rapidly over the next 30 years into metro New
York and Philadelphia, Washington D.C., and South Florida, winning new
Customers with WOW! service and convenience.

In 2004, Banknorth caught the eye of TD Bank Group of Toronto, Canada, a

top 10 financial services company in North America. TD Bank Group soon
became Banknorth’s majority shareholder and the company became known as
TD Banknorth. TD Bank Group completed its purchase of TD Banknorth in
2007.

Looking to expand further in the U.S., TD Bank Group acquired Commerce

Bank on March 31, 2008, and the company rebranded as TD Bank, America's
Most Convenient Bank. TD Banknorth locations followed suit in September
2009, completing the merger of the two companies and uniting them under
 the TD Bank brand name.

On September 30, 2010, The South Financial Group, Inc. was acquired by TD
Bank Group, and its subsidiary Carolina First Bank merged with TD Bank.
Carolina First Bank will continue to operate under the trade names Carolina
First Bank in North and South Carolina and Mercantile Bank in Florida until
conversion and rebranding in 2011.

Today, TD Bank, America’s Most Convenient Bank, remains focused on

delivering award-winning customer service and hassle-free products to
customers from Maine to Florida.

1400-2011 Search other dates

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From To Examples: 2001/06/21, 247AD, 585BC
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1.

1694 1694 - Of these the most notable was George Heriot. As the
convenience of the banking system was generally recognised,
banking corporations were instituted. In 1694 the Bank of England
was established by William Pater- son, a Scotsman, while the
Bank of Scotland was ...

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From Social life in Scotland - Related web pages

books.google.com/books?id=GYsIAAAAQAAJ&pg ...
3.

1832 Jul 10, 1832 - On the 10th of July, 1832, the bill was returned with
his from which the following extract is submitted to the attentive
consideration of the Senate : A Bank of the United States is, in
 many respects, convenient for the Government and useful to the
people.

Show more

From Speech of the Hon. Henry Clay, of Kentucky, establishing a

deliberate … - Related web pages
books.google.com/books?id=VZzPAAAAMAAJ&pg=PA6 ...
5.

1858 1858 - Rockville Bank, founded in 1858, is a 16-branch community

bank providing a more convenient banking lifestyle for the
communities it serves in Coventry, East Hartford, East Windsor,
Ellington, Enfield, Manchester, Rockville, Somers, South Windsor,
Suffield ...

Show more

From East Windsor Chamber of Commerce - Related web pages

www.eastwindsorchamber.com/press_releases ...
7.

1906 Jun 22, 1906 - Stats., as amended June 22, 1906, c. 3516, 34
Stat. 451, by participating as such director and vice president in a
loan of the Bank's funds to an amount exceeding one-tenth of its
paid-in capital and surplus.
From United States reports - Related web pages
books.google.com/books?id=xfI_AAAAYAAJ&pg=PA70 ...
9.

1916 1916 - The naval government opened a Bank of Guam in 1916, the
first bank in the history of Guam. Although the first Bank of Guam
was principally established as a convenience to the navy and its
personnel, local merchants quickly learned to take advantage of its
...

Show more

From Early American Economic History | Guampedia: The

Encyclopedia of …
guampedia.com/early-american-economic-history/
11.

1981 Feb 19, 1981 - Citibank (South Dakota), NA was chartered on

 February 19th, 1981 as an employee- oriented, convenient bank.
Over the years our name may have changed slightly, but our
commitment to our customers has steadfastly remained the same.
From CitiBank SD - About Us - Related web pages
citisdfinancialcenter.org/AboutUs/tabid/3431 ...
13.

1996 Feb 1996 - After more than 30 years at the Palmer Highway
location, the bank continues to serve the people of Galveston
County as a community bank. A convenient ATM facility was
completed and placed in service in February of 1996. As we look
back on the past history of ...

Show more

From Mainland Bank - Since 1945 - Related web pages

www.mainlandbank.com/aboutus.html
15.

2002 2002 - In 2002, BankAtlantic changed the landscape of banking in

Florida through its " Florida's Most Convenient Bank" initiative.
This initiative includes free checking accounts, seven day branch
banking, extended lobby hours, a 24 hour live customer service
center ...

Show more

From BankAtlantic Bancorp Announces Plans for Spin-Off Of Its

Real Estate …
goliath.ecnext.com/premium/0199/0199-4079559.html
17.

2004 Nov 2004 - Commerce Bank , "America's Most Convenient Bank,"

WOW!ed shoppers and sold more than 220000 Commerce Bank
Visa(R) Gift Cards, worth $14.5 million, during the recent holiday
season. The Commerce Bank Visa Gift Card debuted in November
2004 and is ...

Show more

From … , No Returns, No Fees - Customers Love Commerce

Bank Visa Gift Cards. - Related web pages
goliath.ecnext.com/premium/0199/0199-4269362.html
19.
 2008 Mar 31, 2008 - TD Bank American's Most Convenient Bank. 1-
888-751-9000 . Upon completion of the merger on March 31, 2008,
each holder of Commerce common stock became . The new bank
will also take on Commerce s tagline: America s Most Convenient
Bank. 39 TD ...

Show more

2009
Oct 31, 2009 - TD Bank Financial Group also ranks among the
world's leading online financial services firms, with more than 6
million online customers. TD Bank Financial Group had $557 billion
in assets on October 31, 2009.
From EDGAR Pro - Related web pages
google.brand.edgar-online.com ...
1400-2011 Search other dates
Search
From To Examples: 2001/06/21, 247AD, 585BC
1.
2.
3.
4.
5.
6.
7.

Search Results
1.

1406 1406 - The first modern bank was founded in Italy in Genoa in
1406, its name was Banco di San... Banking's Biggest Change
system in the last 100 years. History of Banking Regulations and
Changes in Modern Banking Banking has undergone many
changes since the turn ...

Show more

From Traditional Versus Modern Banking Essay 81 - 100 - Related

web pages
www.oppapers.com/subjects/traditional-versus ...
3.

1694 1694 - The Bank of England introduced paper notes in 1694. "The
economy was growing fast and there was a need to have a
convenient and easy form of exchanging value and wealth," says
John Winchcombe. Across Europe, the development of paper
 money was closely linked to ...

Show more

From BBC/OU Open2.net - Money - What is money? - Related web

pages
www.open2.net/moneyandmanagement/money ...
5.

1716 May 22, 1716 - But meanwhile the regent was tempted, and in
spite of the opposition of part of his council, a bank was established
May 22nd, 1716. The bankers and tax receivers protested; but
commercial men eagerly accepted this convenience ; bank -notes
and money circulated ...

Show more

From The historians' history of the world - Related web pages

books.google.com/books?id=agSCAAAAMAAJ&pg=RA1 ...
7.

1732 Dec 12, 1732 - On 12th December 1732, they began to issue
Notes with a similar clause. The other banking companies in
Scotland found it convenient to follow the example, and Bank
Notes were universally framed with these Option Clauses. They
were issued for most trifling ...

Show more

From The one pound note in the rise and progress of banking in
Scotland, and … - Related web pages
books.google.com/books?id=aKpbAAAAQAAJ&pg=PA41 ...
9.

1797 May 3, 1797 - It will be convenient now, for some readers, to take
a short review of the Bank Acts, commencing with the Bank
Restriction Act, passed 3rd May, 1797. The following are the
principal features of this Act:—. 1. That the Bank should not be
compelled by any ...

Show more

From The Bank of England - Related web pages

 books.google.com/books?id=3CY9AAAAYAAJ&pg ...
11.

1816 1816 - This antagonism found a convenient and conspicuous

target in the second Bank of the United States that had been
chartered in 1816. Daniel Webster had opposed the granting of the
charter. At that time New England was still commercial, and, being
opposed to the ...

Show more

From Social forces in American history - Related web pages

books.google.com/books?id=-QnFIALJ4IgC&pg ...
13.

1832 Jul 10, 1832 - On the 10th of July, 1832, the bill was returned with
his from which the following extract is submitted to the attentive
consideration of the Senate : A Bank of the United States is, in
many respects, convenient for the Government and useful to the
people.

Show more

From Speech of the Hon. Henry Clay, of Kentucky, establishing a

deliberate … - Related web pages
books.google.com/books?id=VZzPAAAAMAAJ&pg=PA6 ...
15.

1834 1834 - The hours that Savings Bank of Maine offices keep today,
which include Saturday mornings and 7 days a week at the
Randolph branch, are in dramatic contrast to the one hour each
week that the bank was open in 1834. Even then the bank
provided convenient access ...

Show more

From Email Savings Bank of Maine CEO CFO VP

@savingsbankofmaine.com
www.lead411.com ...
17.

1836 1836 - If we were now certain, that a new bank would come into
existence in 1836, I think it would be convenient, for all parties,
that this bank should have six years to run. The new bank would
 hardly get into full operation under a year or two, and time is
absolutely ...

Show more

From the Register of Debates - Related web pages

books.google.com/books?id=T60FAAAAQAAJ&pg ...
19.

1838 Oct 8, 1838 - Washington, October 8, 1838. Sir : Arrangements

haying been made with the United States Bank to pay the
Treasurer's drafts to a certain amount at different places, and it
being probable the notes of that bank will be as acceptable to
claimants, and in some ...

Show more

From PUBLIC DOCUMENTS PRINTED BY ORDER OF THE

SENATE OF THE … - Related web pages
books.google.com/books?id=D38FAAAAQAAJ&pg=RA4 ...
21.

1839 1839 - Resolved, That the President of the State Bank is hereby
requested to report to this Senate at his earliest convenience
whether or not the Bank has accepted in payment of the debt due
the Bank from the State for advances made to the system of
Internal ...

Show more

From Journal of the Senate of the State of Indiana, during the ...
session of the … - Related web pages
books.google.com/books?id=8SlFAAAAYAAJ&pg ...
23.

1855 1855 - That's quite a journey from a company that started out with
a single branch serving grain millers and merchants in 1855. We
are committed to being the better bank — a growth oriented,
customer focused, integrated bank that owns the brand position of
North ...

Show more
 From TD Bank Financial Group - Corporate Responsibility Report -
Related web pages
www.td.com/corporateresponsibility/crr2008 ...
25.

1858 1858 - Rockville Bank, founded in 1858, is a 16-branch community

bank providing a more convenient banking lifestyle for the
communities it serves in Coventry, East Hartford, East Windsor,
Ellington, Enfield, Manchester, Rockville, Somers, South Windsor,
Suffield ...

Show more

From East Windsor Chamber of Commerce - Related web pages

www.eastwindsorchamber.com/press_releases ...
27.

1872 1872 - Stafford Savings Bank is a Mutual Savings Bank with three
offices in the Town of Stafford, Connecticut. Established in 1872,
Stafford Savings Bank serves the financial needs of individuals
and businesses in the towns of Stafford, Ashford, Ellington, Somers
...

Show more

From Stafford Savings Bank - - Company News & Executive

Profiles | BNET - Related web pages
www.bnet.com/company/stafford%2520savings%2520bank
29.

1874 Jan 1, 1874 - On January 1, 1874, a second savings institution

was established in Clinton, by Messrs. JP and Bidwell Gage, well-
known Lyons financiers, the former being President of the Lyons
National. They built a convenient banking-house on Second
street, just north of ...

Show more

From The history of Clinton County, Iowa

books.google.com/books?id=pYQUAAAAYAAJ&pg ...
31.

1888 Jul 14, 1888 - Treasury Department, July 14, 1888. Sib,: The
public service at the west will probably require, in the course of a
 few weeks, considerable sums of money for disbursements on
account of the army and Indian department. Should your bank find
it convenient to meet ...

Show more

From SMITHSONIAN MISCELLANEOUS COLLECTIONS. VOL.

XVII - Related web pages
books.google.com/books?id=twEFAAAAQAAJ&pg ...
33.

1891 1891 - National Bank of Blacksburg - The National Bank is a full

service community bank founded in Blacksburg in 1891. The Bank
has seven convenient office locations in Montgomery and Giles
Counties.
From ‫ فنتزي‬Commercial Banks Business - Related web pages
www.fntzy.com/
35.

1899 1899 - Queenstown Bank of Maryland first opened in 1899, making

them the second oldest bank in Maryland. To date they have 8
branches open to the community, serving clients with a range of
banking products including checking accounts, savings accounts,
telephone banking ...

Show more

From Maryland Banks - Maryland Bank Branches

www.bankbranches.net/Maryland-bank-branches/
37.

1901 Feb 27, 1901 - First Convenience Bank (FCB), the oldest bank in
Bell County, dates its history back to February 27, 1901, when it
opened its doors in Killeen.First Convenience Bank remains
committed to providing customers across the great State of Texas
with quality banking products ...
From What is the First Convenience bank history? | ChaCha
Answers - Related web pages
www.chacha.com/question/what-is-the-first ...
39.

1906 Jun 22, 1906 - Stats., as amended June 22, 1906, c. 3516, 34
Stat. 451, by participating as such director and vice president in a
loan of the Bank's funds to an amount exceeding one-tenth of its
paid-in capital and surplus.
 From United States reports - Related web pages
books.google.com/books?id=xfI_AAAAYAAJ&pg=PA70 ...
41.

1912 Jul 3, 1912 - First Missouri State Bank was organized July 3,
1912, and was originally named . .. We have two convenient
locations, with an ATM at our Poplar Bluff office ...
www.firstmissouristatebank.com. to view the latest First Missourian
- Tips to Live Longer of SE ...

Show more

From First Missouri State Bank ATM | ATMs | Poplar Bluff, MO

63901 - Related web pages
friendseat.com/Poplar-Bluff-MO/ATMs/First ...
43.

1915 Dec 1915 - In December 1915, the St. Louis Federal Reserve
Bank moved into new quarters in the New Bank of Commerce
building, on the northeast corner of Broadway and Pine Streets,
one block south of its former location. The building was renamed
the Federal Reserve ...

Show more

From St. Louis Fed | Publications - Related web pages

www.stlouisfed.org/foregone/chapter_three.cfm
45.

1916 1916 - The naval government opened a Bank of Guam in 1916, the
first bank in the history of Guam. Although the first Bank of Guam
was principally established as a convenience to the navy and its
personnel, local merchants quickly learned to take advantage of its
...

Show more

From Early American Economic History | Guampedia: The

Encyclopedia of …
guampedia.com/early-american-economic-history/
47.

1917 Nov 23, 1917 - Call at the Central National Bank— Corner of
Central Avenue and Fourth street We will be glad to serve you in
 any matters of finance and banking. Our officers are experienced
bankers and . place their knowledge and experience at your
disposal. was formerly the principal of thelocal ...
From … To Find .If You Are Looking For A Convenient Banking
Home While In … - Related web pages
news.google.com/newspapers?id=428LAAAAIBAJ ...
49.

1922 Aug 1, 1922 - FORM GIVES TAX DETAILS The Bank of Montreal
has prepared for the use of its correspondents and depositors a
convenient form giving details of the Canadian Stamp Tax in effect
August 1, 1922. The form is printed so that it may be attached to
the ...

Show more

From The Bankers magazine - Related web pages

books.google.com/books?id=F2kmAQAAIAAJ&pg ...
51.

1933 Jul 5, 1933 - first bank in the nation to establish a branch office
outside. the city of its main office. This branch, opened in on July
5, 1933 marked the beginning of the bank's current network of 93
offices offering convenient, home-owned service throughout
Oregon.
From Branch Banking . - Related web pages
news.google.com/newspapers?id=OvhYAAAAIBAJ ...
53.

1952 1952 - Community Bank & Trust was founded in 1952, as a

customer-oriented, convenient bank with a concentration on the
needs of small businesses and consumers. Our founders made this
vision a reality through friendly, innovative lending practices that
are still in ...

Show more

From Community Bank and Trust - About Us

www.cbtwaco.com/aboutus.htm
55.

1966 1966 - its state charter in 1966. Valley View Bank has ten
convenient locations throughout ... families and communities we
serve.Benefits: Valley View Bank offers a wide array of... From
CareerBuilder - 16 days ago Save - Share - Hide - Report - More
 tools.
From Valley View Bank Jobs - Harrisonville, MO | Simply Hired -
Related web pages
www.simplyhired.com/a/jobs/list/q ...
57.

1970 Jun 27, 1970 - Advt. The Glastonbury Bank & Trust Company has
a new convenient banking office located in the Southern part of
East Hart-1 ford, at 20 Main St. At GBT you can have free checking
just for maintaining a $100 minimum balance in a regular personal
checking account. ...
From Display Ad 36 -- No Title - Related web pages
pqasb.pqarchiver.com/courant/access/961250352 ...
59.

1973 1973 - Meanwhile, Cherry Hill, New Jersey-based Commerce Bank

was turning Customers into Fans as America's Most Convenient
Bank. Founded in 1973, Commerce Bank expanded rapidly over
the next 30 years into metro New York and Philadelphia,
Washington DC, and ...

Show more

From New Jersey CD Rates | Bank Vibe - Related web pages

bankvibe.com/tag/new-jersey-cd-rates/
61.

1981 Feb 19, 1981 - Citibank (South Dakota), NA was chartered on

February 19th, 1981 as an employee- oriented, convenient bank.
Over the years our name may have changed slightly, but our
commitment to our customers has steadfastly remained the same.
From CitiBank SD - About Us - Related web pages
citisdfinancialcenter.org/AboutUs/tabid/3431 ...
63.

1982 May 1982 - The one exception amongst the large clearing banks to
this trend towards shorter and less convenient bank opening
hours has been the Saturday opening scheme launched by
Barclays. In May 1982, Barclays announced that 400 of their
branches would open on Saturday ...

Show more

From Banking services and the consumer - Related web pages

books.google.com/books?id=T8gOAAAAQAAJ&pg=PA58 ...
65.

1983 1983 - Prosperity Bancshares Inc., formed in 1983, provides a full

range of banking services through its wholly-owned bank
subsidiary, First Prosperity Bank. Operating under a community
banking philosophy, the bank seeks to develop broad customer
relationships based on ...

Show more

From Sue's Quilt Shop - Related web pages

docs.newsbank.com/g/GooglePM/VA/lib00512 ...
67.

1987 Jan 6, 1987 - First Nationwide Bank will open branch operations in
K mart stores across the country early this year, spokesmen said
Monday. In Florida, the thrift plans to open 17 to 30 branches in K
mart stores in the Orlando, St. Petersburg and Sarasota-Bradenton
areas in March or April, ...
From K MART PLANS TO EXPAND ITS CONVENIENCE
BANKING - Related web pages
pqasb.pqarchiver.com/sun_sentinel/access ...
69.

1991 Jul 1991 - In July 1991, the bank moved the location of its historic
office from its original location to Fifth Street in West Des Moines.
While it was very difficult to leave the original location, rich in
tradition and history, the move was necessary in order to provide
...

Show more

From FBDM - About FBDM - Related web pages

www.firstbankdm.com/history.htm
71.

1995 Oct 1995 - 3. Virtual private banking on the World Wide Web will
continue to make banking more convenient to customers. In
October 1995, Security First Network Bank was the first bank to
create home page. With society's increased knowledge base of
computers and the Web ...

Show more
 From Re-Examining Private Banking
www.angelfire.com/dragon/asif/Re ...
73.

1996 Feb 1996 - After more than 30 years at the Palmer Highway
location, the bank continues to serve the people of Galveston
County as a community bank. A convenient ATM facility was
completed and placed in service in February of 1996. As we look
back on the past history of ...

Show more

From Mainland Bank - Since 1945 - Related web pages

www.mainlandbank.com/aboutus.html
75.

1997 Apr 21, 1997 - On April 21, 1997, First Command Financial
Services launched a quiet assault on the financial world with the
opening of First Command Bank - a bank dedicated to providing
convenient, flexible tools for prudent everyday financial
management. Ten years later ...

Show more

From First Command Bank Celebrates 10th Anniversary. - Related

web pages
goliath.ecnext.com/premium/0199/0199-6454136.html
77.

1998 Mar 1998 - Central Valley Bancorp is the parent company of

Modesto Commerce Bank. Founded in March 1998, Modesto
Commerce Bank provides banking services to owner-operated
businesses, members of the professional community and
individuals seeking personalized service. The ...

Show more

From … ; Vince Flanders to Lead Turlock Commerce Bank. - Free

Online Library
www.thefreelibrary.com/Central+Valley+Bancorp ...
79.

1999 Oct 15, 1999 - "Banks are punishing consumers with a relentless
onslaught of more and higher fees," said Gail Parson, consumer
 advocate for the Illinois affiliate of the US Public Interest Research
Group, a consumer watchdog group that released a report
Thursday on rising bank fees on deposit ...
From … SIGHT FOR RISE IN BANK FEES CONVENIENT
BANKING COMES AT A … - Related web pages
pqasb.pqarchiver.com/chicagotribune/access ...
81.

2000 May 2000 - When the Wall Street Journal ran a cover story on
Commerce in May 2000, the bank had assets of $ 7 billion. Its
stock and deposit growth were among the highest in US banking.
Even so, in this era of giants, they were not even among the top
four banks in their ...

Show more

From Food Service and Financial Service - Related web pages

www.hooversvision.com/Best_Worst2.htm
83.

2001 May 2001 - Butterfield Online was the first real-time online banking
service in the Cayman Islands, and was launched in May 2001. the
bank said that the service offers ease and convenience to its
users who can check their balances on accounts, review
transaction history and ...

Show more

From Customer wins cruise for banking on-line

www.caymannetnews.com/cgi-script/csArticles ...
85.

2002 2002 - In 2002, BankAtlantic changed the landscape of banking in

Florida through its " Florida's Most Convenient Bank" initiative.
This initiative includes free checking accounts, seven day branch
banking, extended lobby hours, a 24 hour live customer service
center ...

Show more

From BankAtlantic Bancorp Announces Plans for Spin-Off Of Its

Real Estate …
goliath.ecnext.com/premium/0199/0199-4079559.html
87.
 2003 Dec 31, 2003 - While it is not possible to quantify with precision the
effects on non-interest income and non-interest expenses of the
foregoing as separate financial records were not maintained for the
Gruntal Transaction, the activities acquired in the Community
Savings ...

Show more

From BANKATLANTIC BANCORP INC (Form: S-3/A, Received:

04/16/2004 13: … - Related web pages
edgar.brand.edgar-online.com/EFX_dll/EDGARpro ...
89.

2004 Nov 2004 - Commerce Bank , "America's Most Convenient Bank,"

WOW!ed shoppers and sold more than 220000 Commerce Bank
Visa(R) Gift Cards, worth $14.5 million, during the recent holiday
season. The Commerce Bank Visa Gift Card debuted in November
2004 and is ...

Show more

From … , No Returns, No Fees - Customers Love Commerce

Bank Visa Gift Cards. - Related web pages
goliath.ecnext.com/premium/0199/0199-4269362.html
91.

2005 Apr 2005 - This outcome results from the Company's continued
emphasis on its SuperCommunity brand of banking with high
quality customer service and convenient branch locations and from
the acquired deposits of Century National Bank in April 2005. The
Company believes it ...

Show more

From SEACOAST BANKING CORP OF FLORIDA (Form: 10-K/A,

Received: 03/ …
google.brand.edgar-online.com/EFX_dll/EDGARpro ...
93.

2006 Jan 2006 - eMoney Advisor was acquired by NJ-based Commerce

Bancorp in January 2006 - uniting "America's Most Convenient
Bank" with America's best online wealth management system.
Since then the number of advisors and their clients utilizing
eMoney has continued to ...
 Show more

From eMoney Advisor Reaches $100 Billion on

AdvisorPlatform(TM). - Related web pages
goliath.ecnext.com/premium/0199/0199-5982921.html
95.

2007 2007 - Commerce Bank/Harrisburg, NA (NASDAQ:COBH),

"America's Most Convenient Bank," today announced that the
bank plans to open four new stores and create as many as 100
new career opportunities in 2007, the bank's twenty-second year of
business. The new ...

Show more

From Commerce Bank to open four new branches; create 100 jobs
www.finextra.com/fullpr.asp?id=12965
97.

2008 Mar 31, 2008 - TD Bank American's Most Convenient Bank. 1-

888-751-9000 . Upon completion of the merger on March 31, 2008,
each holder of Commerce common stock became . The new bank
will also take on Commerce s tagline: America s Most Convenient
Bank. 39 TD ...

Show more

From Td Commerce Bank Merger

globus.al/xcvr.php?q=td-commerce-bank-merger
99.

2009 Oct 31, 2009 - TD Bank Financial Group also ranks among the
world's leading online financial services firms, with more than 6
million online customers. TD Bank Financial Group had $557 billion
in assets on October 31, 2009.
From EDGAR Pro - Related web pages
google.brand.edgar-online.com ...

Telephone Banking

24-Hour automated
banking service is an
easy way to do your
banking any time of
the day or night, and
it's only a phone call
away.

Access your 251-

account by 338-
calling 2299
VoiceAccess 251-
338-
BAY9

Direct Deposit
Tired of waiting for the
mail? Have payroll,
social security, and
retirement checks
deposited directly into
your checking or
savings account.

Safe Deposit Boxes

For your valuables, we

offer a secure, fire
protected safe deposit
box. A variety of
different sizes are
available to meet your
needs. Fees may
apply.
Contact our new
account desk for
current fees

*Note: contents not

FDIC
insured.

Overdraft Protection

When you can't get to

the bank in time, a
sweep from your
savings account will
help you avoid those
overdraft charges.
There is a small fee
for this service.

Overdraft Privilege
Have the peace of
mind of knowing that
your checks will not be
returned even if you
have made an error in
your checkbook.
Please contact your
nearest Bay Bank
branch and we'll tell
you how.

Bank by Mail

If your schedule is too

busy to get you to the
bank, depend on the
postal service to get
your deposit there for
you! We can only
accept checks through
this service. Please do
not send cash through
the mail.

Cashier's Checks

Bay Bank will draw a

Cashier's Check for
you whenever you
may be required to
assure payment to a
third party.

Notary Service

Whenever you have a

legal document to be
notarized, we will be
happy to assist you.

Stop Payments

What ever the reason,

we can issue that stop
payment for you.

Travel Money
When you would
rather not carry cash,
use Traveler Money.
They are accepted
world wide at ATMs
and Businesses

Wire Transfer Service

A wire transfer is a
quick and convenient
way to send money
from one place to
another.

Night Depository

Our night depository is

ready to receive your
deposit 24 hours a
day.

Merchant Services
Bay Bank is pleased
to offer Merchant
Services for our
commercial
customers. Please
contact your nearest
Bay Bank branch for
more information by
clicking
"Location/Hours"
above or CLICK
 HERE for our "Contact
Us" page.

Advantages of Internet Banking

The greatest advantage of Internet banking perhaps lies in the fact that customers
are no longer required to wait in those long and wearisome queues of the banks to
request a financial transaction or statement. Another important advantage of Internet
banking is that it has made the opening of an account quite simple and easy and
without much paperwork. The same flexibility can be observed even while closing an
account. You can also apply for bank loans without personally visiting any local
branch of your bank.

Conventional banking has always been slow and time consuming, so much so that
sometimes you need to wait several hours to process a simple transaction like
clearing a check. But, Internet banking has tremendously reduced the time required
to process banking transactions, thereby making banking faster and convenient. For
the bankers this system is cost-effective, as it has considerably reduced the
administrative costs and paperwork related to the transactions. Besides, banks can
also cater to the needs of thousands of customers at the same time. All these factors
have significantly increased the profit margins of commercial banks by lowering their
operating costs. This has enabled them to offer acceptable interest rates on savings
account and credit cards.

With the help of Internet banking, you can access any information regarding your
account and transactions, any time of the day. This means that you no longer have
to depend on the office hours of your bank to obtain information. Therefore, you can
regularly monitor your account as well as keep track of financial transactions, which
can be of immense help in detecting any fraudulent transaction. In addition to this,
fund transfers, both national and international, have also become faster and
convenient with Internet banking. Nowadays, you can transfer funds from one
account to another within a few minutes. You can easily carry out stock trading,
exchanging bonds and other investments with the help of Internet banking. All these
features have made Internet banking ideal for people who make a number of
financial transactions each day.

In addition to availing banking facilities for 24 hours a day, you can also receive other
important information regarding banking policies, rates of interest offered on different
types of bank accounts and formalities required in executing various transactions.
With such information you can compare the services of different banks and opt for
the one that satisfies your individual needs and requirements.

However, there can be some serious disadvantages of internet banking, out of which
the security of your bank account is the most important one. So while availing the
facilities of Internet banking, you have to be very careful to ensure the security of your
computer and personal information like the password, user name and pin number of
your bank account. Otherwise, you may become a victim of computer hacking, which
can lead to unauthorized use of your account by computer hackers. Though banks
have come up with several security measures, the customers are also required to be
a bit careful to ensure security and safety of internet banking.

Advantages And Disadvantages Of Online Banking

Online Banking is the new convenient way to take care of our banking requirements.
Online banking is faster and requires no paper or postage therefore it is less expensive for the banks.
More people are encouraged by their banks to switch to online banking, but there are still some of
them who still feel uncomfortable with having to handle their banking needs through a computer.

Advantages and Disadvantages

Convenience: So convenient. You can pay your bills,do transfers,check balances at any time of the
day or night.You can access this from any computer,where ever you might be.
Faster: Online banking is much faster as payments can be made in 24 hours, most postal services can
not match this.
Payment Scheduling: Allows you control over your accounts, you can schedule your transactions
without money leaving your account immediately.
Paperless: Online banking is paperless making it less expensive, and environmentally friendly. Most
people feel they need a paper trail when dealing with their accounts.
Security: Fraudsters find new ways to hack into people's account, also passwords can be stolen or
found out by friends and family enabling them to access your account information.