Welcome Progressive Bank Clients

Will my bank statement look different, and when will I receive my final Progressive Bank statement?
Yes, once the system integration is complete, you’ll begin receiving statements formatted for b1BANK. Your final Progressive Bank statement will be printed and mailed on August 7, 2026, even if you are currently enrolled in eStatements.

Will my deposit eStatement enrollment carry over?
Yes, if you are currently enrolled in eStatements at Progressive Bank, you will be automatically migrated to eStatements at b1BANK with no action required.

Can I continue to use my Progressive Bank checks?
Yes. You can continue using your existing Progressive Bank paper checks. When you reorder checks from b1BANK, they will automatically feature the updated routing number — and your new account number, if your account number has changed. If you order checks from a third party, please update the routing number (and account number, if applicable) at the time of reorder.

Can I continue to use my Progressive Bank debit card?
Yes. Your debit card(s) will NOT be reissued. Continue using your existing Progressive Bank debit card.

What about my Health Savings Account (HSA) debit card?
You will receive a new b1BANK HSA debit card in the mail.
If you have not received your new HSA debit card by Tuesday, September 1, please call 877.614.7600 to have your new card reissued. All Progressive Bank HSA debit cards will be deactivated on Tuesday, September 15, 2026.

What will happen to my local Banking Center?
Your Progressive Bank location is becoming a b1BANK Banking Center on August 10 — same team, same friendly service.

Is any location closing?
Yes, one. Our West Monroe–Trenton Street location (701 Trenton Street) will close permanently at noon on Friday, August 7, 2026. If this is your home branch, you should have already received a letter from us with details on your nearest b1BANK Banking Center.

We will have eight (8) locations in Monroe and three (3) in the Shreveport area to serve you.

Will the conversion affect the hours of the Banking Center I currently use?
Yes, Banking Center hours of operation will change.

• Lobby Hours: Monday – Friday: 9 a.m. 5 p.m. CDT
• Drive-Thru Hours: Monday – Friday: 9 a.m. 5 p.m. CDT
• Saturday Drive-Thru Hours: (Lamy Lane, West Monroe and Winnsboro): 9 a.m. 12 p.m. CDT
• The following locations provide extended hours through our Interactive Teller Machines (ITMs):
  Monday – Friday: 7 a.m. 6 p.m. CDT
  • 2600 Beene Blvd, Bossier City, LA, 71111
  • 1411 N 19th Street, Monroe, LA 71201
  • 4523 Youree Drive, Shreveport, LA 71105

Will Progressive Banks ATMs be impacted?
Progressive ATMs move to the b1BANK system starting July 23, 2026, and will not accept deposits until August 10, 2026. b1BANK is part of the AllPoint ATM network, providing free access to over 55,000 ATMs nationwide. You can find the nearest location at www.allpointnetwork.com/locator.

Will any Progressive Bank ATMs close?
Yes, the ATM located at 46 Ole Hwy, West Monroe, LA 71291 will close.

Will my Online Banking access change?
Yes. Before August 7, 2026, please verify that your email address and mobile phone number are current in your Progressive Bank Online Banking profile. A Secure Access Code will be sent to that number. Your login ID will remain the same. When you first log in on August 10, 2026, you’ll receive the Secure Access Code, establish a new password (which can be the same as your current Progressive Bank password), and accept b1BANK’s Terms & Conditions and register the device. We also encourage you to download the new b1BANK Mobile App for convenient access.

Will my Bill Pay payees and recurring payments carry over?
Yes, all scheduled payments, recurring payments, and payees will be transferred to b1BANK. Please note that bill pay history and eBills will not be converted.

• When scheduling Bill Pay, choose the day you want the person or company to receive the money, not the bill’s due date. Verify all existing payment dates.
• If you are currently using eBills, you will need to re-enroll.

Do I need to make changes to my QuickBooks or Quicken software?
No, but to ensure your QuickBooks and Quicken software continue to operate seamlessly with our systems, updates will be required. Please follow these two key actions:

• Action 1: Before August 7, 2026, at 4:00 p.m. CDT
  • Back up your QuickBooks and Quicken data and complete your final transaction data.
• Action 2: After August 10, 2026, at 9:00 a.m. CDT
  • Deactivate/Disconnect and then reactivate/reconnect your QuickBooks and Quicken applications.
  • Please ensure that your QuickBooks/Quicken application is updated to the latest version and make sure to register
    your device.

For more detailed information and step-by-step instructions, please visit www.b1BANK.com/quickbooks.

How do I access and enroll in Telephone Banking?
Beginning Monday, August 10, 2026, call 877.614.7600 to access the new b1BANK Telephone Banking (VRU) system. You’ll enroll by following the prompts and establishing an Access Code AND a separate PIN. The new VRU includes stop payments, loan payments, and lost/stolen card reporting and activation.

Will my Treasury Management services change?
Yes. Our Treasury Management Services department will provide training for business clients who use ACH payments, wire transfers, and Positive Pay. If you haven’t received training information yet, please contact your local banker or Treasury Management representative for details.

What information do I need for wires?
For incoming domestic and foreign wire transfers, provide the following details to the sender:

• ABA/Routing Number: 065405420
• b1BANK, 500 Laurel Street, Baton Rouge, LA 70801
• Your account name, physical address and account number.
• For Incoming International Wire Transfers (Foreign Currency):
  • Instructed Agent | Swift Code: IRVTUS3N-
    (The Bank of New York Mellon)
  • Intermediary Agent ID | Swift Code: TIBBUS44-
    (TIB, National Association-The Independent Bankers Bank)
  • ABA/Routing Number: 065405420
  • b1BANK, 500 Laurel Street, Baton Rouge, LA 70801
  • Your account name, physical address and account number.

What about my safe deposit box?
Your safe deposit box will remain accessible during regular Banking Center business hours.

What is the b1BANK Courtesy Coverage Program?
b1BANK’s Courtesy Coverage is a discretionary overdraft service, meaning we can choose to pay overdrafts but are never obligated to. It’s not a line of credit or a guaranteed right, and we can change or withdraw it at any time.
If we cover an overdraft, it is our expectation that you will immediately make deposits to repay the amount plus any fees. This program is a customer service tool, with decisions based on automated evaluations of account behavior (e.g., account age, deposit habits, loan status).

Key points:

• Exclusions: Not all accounts are eligible (e.g., HSAs, fiduciary type accounts, second chance accounts, some business accounts, etc.).
• Opt-in required for ATM/one-time debit (Courtesy Coverage Plus): For these transactions, you must specifically opt in for coverage. Other items (e.g., checks, ACHs, etc.) may be covered at our discretion. Clients can opt in to have Courtesy Coverage Plus applied on eligible accounts by contacting the bank.
• Fees: A $35.00 fee applies for each Overdraft Item or Returned Item. There’s no fee for items $10.00 or less.
• Daily Cap: The maximum combined fees for consumer accounts are $175.00 per day.

If an overdraft isn’t covered, the debit card transaction may be declined or other items returned.

How will my overdraft linked account protection be affected by the system conversion?
Our Overdraft Linked Account transfer protection criteria is as follows:

• Minimum transfer: $100
• Transfer increments: $100
• Partial transfers:
  • Checking, Savings, Money Market Accounts: If the available balance is not sufficient to cover the entire overdraft balance, we will transfer as much as possible.
  • Loan (Line of Credit LOC) Accounts: We only transfer from a LOC if you have enough available credit to cover the entire overdraft balance amount.

Will there be any changes to my Line of Credit, Personal Line of Credit (PLOC), or HELOC?
Several updates apply across ODP Lines, PLOC, and HELOC accounts:

• The index will convert to the Wall Street Journal Prime Rate (adjusted on the 1st of the month).
• Statements are issued on the last day of the month, payments are due monthly on the 25th (starting with the September 25, 2026, payment).
• Late fees and returned item fees update to b1BANK’s standard schedule, coupon books are discontinued in favor of monthly statements.
• You’ll receive an updated customer-specific loan agreement detailing your interest rate, maturity date, and remaining payments.
• For ODP specifically, transfers will be made in $100 increments and minimum payment is 3.00% of the outstanding balance.
• If requested: PLOC and HELOC checks will need to be reordered