Welcome to Union State Bank!

Union State Bank is proud to officially welcome you to the USB family. We are excited to be part of the Newton area. Since the merger with Midland National Bank in January 2020, we’ve had the opportunity to meet many new faces and look forward to meeting even more! We believe that the personal relationships our teams have within each community are what make the real difference. 
 
Founded in 1908, Union State Bank has approximately $535 million in assets and fifteen locations serving the communities of Arkansas City, Udall, Winfield, Wichita, Bartlesville, OK, Edmond, OK, and now, Newton. Joining the Newton community has been an important highlight in our 112-year history. As a bank focused on its customers, integrity and community growth, the partnership we’ve gained allows our combined team to be more forward-looking and innovative than ever before. For our customers, this translates into excellent service now and in the future.
 
Rest assured, your local leadership will remain the same, as will the friendly faces that greet you as you come through our doors! You’ll also have the opportunity to take advantage of ten other Union State Bank branches along with expanded products and services that will be communicated to you in the coming weeks. We offer a full range of electronic, deposit and investment management services, as well as business, agriculture, commercial real estate, construction, residential and consumer loans.

As part of the merger, we will convert all Midland accounts to Union State Bank’s computer system beginning November 6, 2020. Union State Bank has been working diligently with Ron Lang and the staff of Midland Bank to make this transition as smooth as possible. Following the conversion, you will have access to up-to-date online, mobile, telephone, and in-person services, making your banking experience faster, safer, and more convenient than ever before.
 
Our goal is to ensure that you are satisfied with your new banking relationship as a customer of Union State Bank. We understand that you may have questions about your account(s) and how this acquisition affects you. We want to provide you with clear, concise information about this transition.

Here you will find details about the conversion, including important changes to deposit accounts and services that will take place, as well as key dates to remember. Please take time to review this important and time-sensitive information.  If you have any questions, our team is ready to help you. Visit your local branch or call us at 316-283-1700. Thank you for embracing these exciting changes with us, and thank you for entrusting Union State Bank with your banking!
 
 

Frequently Asked Questions - Topics (A-Z):

 

DEBIT & ATM CARDS

When does my Midland Bank Mastercard® Debit or ATM card expire?
Your current Midland Bank Mastercard® Debit or ATM Card will expire on November 9th, 2020. You may continue to use it until then. We recommend you destroy your Midland Bank Mastercard® Debit Card at the end of that day.
 
Can I continue to use my Midland Bank Mastercard® Debit or ATM card?
 
Yes, you may continue to use your Midland Bank Mastercard® Debit or ATM card until it is replaced with your Union State Bank VISA® Debit Card on November 9th, 2020. At that time, your Debit Card number will change.
 
When will I receive a Union State Bank Debit card?
You should receive your new card and activation instructions by November 2nd, 2020. Upon receipt of your new Union State Bank VISA® Debit Card, please activate the card and keep it in a secure place.
 
When can I begin using my new Union State Bank VISA® Debit Card?
Do not attempt to use your new Union State Bank VISA® Debit Card until November 9th, 2020. At that time, it will replace your Midland Bank Mastercard® Debit or ATM Card. You must activate your new Union State Bank VISA® Debit Card prior to using it. Be sure to update any reoccurring payments, such as insurance premiums, streaming entertainment services, or storage rentals, with your new Union State Bank VISA® card information.
 
How do I activate my new Union State Bank VISA® Debit Card?
Accompanying your new card, will be specific instructions on how to activate your card. Activate your card immediately upon receipt. Please remember your new Union State Bank VISA ®Debit Card will not work until November 9th, 2020 and after it has been activated.
 
What are the standard limits for a new Union State Bank VISA® Debit Card?
The standard daily and transaction limit for point-of-sale transactions on your new Union State Bank VISA® Consumer Debit Card is $1,500. The daily ATM cash withdrawal limit is $300.

The standard daily and transaction limit for point-of-sale transactions on your new Union State Bank VISA® Business Debit Card is $2,500.
 
Where can I use my new Union State Bank VISA® Debit Card?
You may use your new Union State Bank VISA® Debit Card at any VISA® ATM location* or VISA® business partner nationwide. For a full list of Union State Bank ATM locations visit www.MyUnionState.bank/about-us/branch-locator. *Fees and restrictions may apply.
 
Will my new Union State Bank VISA® Debit Card work with my mobile wallet?
Yes, we are excited to announce that soon afer conversion, your Union State Bank VISA® will be able to be connected to your mobile wallet. If your Midland Bank Mastercard® Debit Card is currently connected to Apple Pay, Google Pay, or Samsung Pay you will need to replace it within your mobile wallet with your new Union State Bank VISA® Debit Card. Your Midland Bank Mastercard® Debit Card will expire on November 9th, 2020.
 
For instructions on installing and configuring Mobile Payments on your Apple device visit:
https://support.apple.com/en-us/HT204506
 
For instructions on installing and configuring Mobile Payments on your Android device visit:
https://pay.google.com/about
 
For instructions on installing and configuring Mobile Payments on your Samsung device visit:
https://www.samsung.com/us/samsung-pay/
 

Credit Cards

Can I continue to use my Midland Bank Mastercard® credit card?
Yes. There will be no changes to your Midland Credit or Business Credit card as a result of this conversion.
Direct Deposit or Automated Clearing House (ACH)/Draft Entries
 
Will my account number change?
No, your account number will not change.
 
Will there be a new routing number for my direct deposit and automatic draft (ACH) transactions?
Yes, there will be a new routing number. However, your current arrangements will continue without interruption. We encourage you to contact all originators (employer, utilities, insurance and credit card companies, etc.) to provide them with the new routing number. The new routing number for your Union State Bank account(s) will be 101100993. This will be effective on November 9th 2020.
 

Direct Deposit or Automated Clearing House (ACH)/Draft Entries

Will my account number change?
No, your account number will not change.
 
Will there be a new routing number for my direct deposit and automatic draft (ACH) transactions?
Yes, there will be a new routing number. However, your current arrangements will continue without interruption. We encourage you to contact all originators (employer, utilities, insurance and credit card companies, etc.) to provide them with the new routing number. The new routing number for your Union State Bank account(s) will be 101100993. This will be effective on November 9th 2020.
 

Services – Online Banking and Mobile Banking

I currently have Online Banking with Midland. Will I need to re-enroll in Union State’s Online Banking?
No, you will not need to re-enroll in Union State Bank Online and/or Mobile Banking if you are currently a Midland Online and/or Mobile Banking user. However, you will need to set a new password the first time you log into Union State Bank Online and/or Mobile Banking.
 
When will I no longer have access to Midland’s Online Banking or Midland’s Mobile Banking?
Access to Midland’s Online and Mobile Banking will end at Noon on Friday, November 6th, 2020.
 
When will Union State Bank’s Online Banking and Mobile Banking be available?
Union State Bank Online Banking and Mobile Banking will be available beginning November 9th 2020. To access mobile banking, you will need to download USB’s mobile banking app for Apple or Android products by searching for Union State Bank, Kansas on the Apple App Store, or The Union State Bank Mobile on Google Play.
Links are available here or scan this QR code with your smartphone:
 QR Code for links to Union State Bank mobile banking downloads
 
How do I log in for the first time in Union State Bank Online Banking or Mobile Banking?
To access your account(s) through Union State Bank’s Online Banking, please visit www.MyUnionState.com and go to the Online Banking login area in the upper righthand corner. To access your accounts through mobile banking download and open the USB mobile banking app (see above). Please enter your existing Midland User ID with the temporary password MyUSB2020$. Follow the prompts to complete registration.
 
I use Quicken / Mint financial tools. How will they be impacted?
You will need to modify your Quicken settings to ensure the smooth transition of your data. Step-by-step instructions for Mint, Quicken for Windows Web Connect, Quicken for Windows Express Web Connect, and QuickBooks Online can be found here:
 

Services – Electronic Statements

I’m currently enrolled to receive Midland Bank electronic statements. Will I need to re-enroll?
No, if you are currently enrolled to receive Midland Bank electronic statements you will be automatically enrolled in Union State Bank eStatements.
 
Will my electronic statement history transfer to e-statements?
All Midland Bank e-statement history will be transferred to Union State Bank eStatements. However, statement history from July 10, 2020 through November 8, 2020 may be delayed up to 60 days through the initial data transfer.

Services – Online Bill Pay

I’m an existing Midland Online Bill Pay user. Will I need to re-enroll for Union State Bank Online Bill Pay?
No, you will not need to re-enroll. All existing Bill Pay users will automatically be enrolled in Union State Bank Online Bill pay.
 
Will I need to reconfigure my payees, reoccurring payments, or payment categories in Union State Bank’s Online Bill Pay system?
No. For your convenience, all previously scheduled payments, payees, and payment categories will transfer to the new system.
 
Will my Bill Pay history transfer?
Yes, your Midland Online BillPay history will transfer to the Union State Bank system.
 
When will Union State Bank Online Bill Pay be available?
Access to Midland’s Online Bill Pay will end at 8:00 a.m. on Friday, November 6th, 2020. USB Online Bill Pay will be available beginning November 9th 2020. Online Bill Pay will not be available November 6th – November 8th, 2020.
 

Services – CardValet® Customized Fraud Alerts

I’m an existing Midland Bank CardValet® user. Will I need to re-install Union State Bank CardValet®?
No, you will not need to reinstall CardValet® on your device. However, you will need to register your Union State Bank VISA® card within the CardValet® application once your card has been activated. Your Midland Bank Mastercard® will be deactivated on November 9th, 2020.
 
Will my information and history tied to my Midland Bank Mastercard® remain in the application?
No, all information and history tied to your Midland Bank Mastercard® will be removed once the card is deactivated.
 

Services – Snappy Mobile Deposit

I currently have Mobile Deposit with Midland. Will I need to re-enroll in Union State Bank’s Snappy Mobile Deposit?
Yes, current Midland Mobile Deposit users will need to enroll in Snappy Mobile Deposit beginning November 9th, 2020. To enroll, login to Online Banking. Click “Snappy Mobile Deposit Enrollment” in the left-hand menu under “Services.” Agree to the “Terms and Conditions,” and then click “Submit.”
 
Is there a fee to enroll in Snappy Mobile Deposit?
Enrollment fees for Snappy Mobile Deposit will be waived until February 1st, 2021. Standard activity fees may apply.
 

Services – Telephone Banking

I don’t have mobile banking or online access, is there another way for me to access my account information 24/7?
Yes, Union State Bank offers all customers free Telephone Banking. To use Telephone Banking, call the toll-free telephone banking line at 800-332-1633. You may access your accounts through Telephone Banking beginning November 9th, 2020.
 
I have a security code in place with Midland Bank telephone banking. Will I need to reset it for Union State Bank online banking?
Yes. Even if you have previously used Midland’s telephone banking, you will be asked to enter the last four digits of the primary account holder’s Social Security number. You’ll then be prompted to choose your own security code. Perform as many transactions as you like. When you’re finished, simply hang up to end the service.
 

Business Services - Treasury Management/Cash Management/ Remote Deposit Capture

I have treasury management services at Midland. Will these be transferred to Union State Bank?
A representative from Union State Bank will be in contact with all Midland Treasury Management customers to assist with the migration to USB’s Cash Management and Remote Deposit Capture platforms. This contact will occur prior to October 26, 2020.
 
What is the deadline for remote deposit capture and deposits for conversion weekend?
Any ACH files originated on November 6th, 2020 must be submitted by Noon that day.
 
I have merchant services through Midland. How will this change when transferred to Union State Bank?
No changes will be made to your Merchant Services once transferred to Union State Bank.
 

Checking and Money Market Accounts

For further information please refer to your specific product and services disclosure
Will my checking or money market account number(s) change with this conversion?
No, your checking and Money Market account number(s) will remain the same.
 
Do I need to destroy my Midland checks and reorder Union State Bank checks?
You may continue to use your Midland checks for the time being. When it is time for you to place a new check order, our check vendor (Harland Clarke) will automatically update your order to include Union State Bank’s information.
 
What if I don’t order my checks through Union State Bank’s vendor?
If you order checks from an outside source, please provide them with the new bank name (Union State Bank), your account number, and USB’s routing and transit number (101100993).
 

Savings Accounts, IRAs and Certificate(s) of Deposit

For further information please refer to your specific product and services disclosure
Will my checking or money market account number(s) change with this conversion?
All Savings Account, IRA Account and Certificate(s) of Deposit account number(s) will remain unchanged.
 
Will my Certificate of Deposits and IRAs maturity date(s) change? What about the interest rate?
All Certificate of Deposits and IRAs will automatically renew on each Maturity Date for the term described on the original Certificate of Deposit at the interest rate then in effect for that Deposit Amount and Term.
 
Will my checking or money market account terms and conditions change with this conversion?
All Savings Account, IRA Account and Certificate(s) of Deposit account terms and conditions will remain unchanged.
 

Interest on Accounts

Will there be changes in the way I receive the interest payments on my Midland accounts?
There will be no changes in the way you receive the interest payments.
 
Will there be changes in the variable interest rates on my Midland accounts?
Union State Bank pays a variable interest rate on checking, savings, and money market accounts. The Annual Percentage Yield (APY) and interest rate are subject to change at any time and are set by Union State Bank.
 
Will there be changes in the fixed interest rates on my Midland accounts?
There will be no changes to the fixed interest rate on your Certificate(s) of Deposit or IRAs. They will remain the same until your scheduled maturity date and then may change. You will be notified in advance of the original maturity date and will be given the opportunity to renew or select another product to meet your needs. Please contact us for our current rates.
 

Deposit Cutoff Times

What are Union State Bank’s deposit cutoff times?
Deposits made after 6:00pm, Monday through Friday, or on Saturday, will be credited on the next business day.
 

Overdraft Privilege (ODP)

For further information please refer to your specific product and services disclosure
Does Union State Bank offer an Overdraft Privilege service?
Yes, Union State Bank does offer an Overdraft Privilege (ODP) service. If your eligible account is in good standing, USB will consider, as a discretionary courtesy or service, approving your reasonable overdrafts, rather than returning any unpaid or insufficient funds items.
 
What accounts qualify for Overdraft Privilege service?
ODP is available to most customers, excluding some business entities such as Corporations, LLCs and Public Funds. ODP is available on most account types excluding Money Markets, Health Savings Accounts and Savings Accounts.


Loan Accounts

Will my loan change with the conversion?
There will be no changes to the rates, terms or conditions on your loan as a result of this conversion.
 
Will I receive a new loan coupon book?
You will not receive a new loan coupon book. You may continue using the coupons you have.
 
Will where I make my loan payment change?
There will be no changes to where you make your loan payment as a result of this conversion.


Bank Statements

When will I receive my final Midland Bank account statement?
Your final Midland statement with account activity will be cut on November 6, 2020.
 
How will fees / charges be assessed, and interest credited for the final Midland Bank account statement?
Fees or charges will not be assessed on this special statement for savings accounts or business customers on Account Analysis. All regular fees or charges will be assessed for all other accounts on the final Midland statement. All accrued and unpaid interest will be credited to your account on your final Midland statement.
 
When will I receive my first Union State Bank account statement?
Regular statement cut off dates will not change with the conversion.
 

Deposit Accounts

How will my accounts change?
Your account number(s) will remain the same, although your account type may change. Please refer to the specific account product disclosure within the previously mailed conversion guide, which details the changes that will occur on November 6, 2020.
 
When will these changes take place?
As of the close of business on Friday, November 6, 2020, your current account(s) will convert to the Union State Bank deposit system.