March 31, 2025

** CUSTOMER NOTICE: ACTIONS REQUESTED **

We are upgrading our systems to better serve YOU!

Starting at 4:00 p.m. on Friday, May 16, 2025 until after 8:00 a.m. Monday, May 19, 2025 (CDT for all noted times), we will be performing upgrades on our operational systems that will affect multiple Black River Country Bank products and services.

Digital Banking

Online Banking and BRCB Mobile App will be in Inquiry Only Mode. You will not be able to make transfers or mobile deposits after 4:00 p.m. May 16, 2025 until after 8:00 a.m. Monday, May 19, 2025. If you need to complete a transfer or make a mobile deposit, you must have it submitted before 4:00 p.m. on Friday, May 16, 2025.

Bill Pay will be unavailable all-day Friday, May 16, 2025 until after 8:00 a.m. Monday, May 19, 2025. Any new bill payments or changes to current bill payments will need to be completed by Midnight on Thursday, May 15, 2025. (Previously scheduled payments will process on Friday.)

Zelle® will be unavailable.

Please Note: After our upgrade, depending on the settings on your computer or mobile device, you may be asked to re-enter your Online Banking Username in addition to your Password. If you are unsure of your Username, we strongly encourage you to contact BRCB as soon as possible so that you have this information available to you before your first login on or after Monday, May 19, 2025. After successfully entering your Username and Password, you will also be asked to re-create your security challenge questions on our new digital banking system. Because of this, we suggest you complete your first login on (or after) Monday, May 19, 2025, from a computer or a web browser on your mobile device by accessing our website at www.brcbank.com and entering your Username and Password in the Online Banking section (upper righthand corner) on our homepage.

Debit Cards

Starting Friday, May 16 at 3:00 p.m., we will also be upgrading debit cards. Your debit card will work during this upgrade, however you may experience intermittent, momentary interruptions.

Account Statements

There will be some changes to our periodic statement processing after this upgrade. Account statements will all be cycled at the end of the month. This is a great opportunity to enroll in our eStatement offering through your Online Banking Profile if you haven’t taken advantage of that convenient service yet. Please contact us at BRCB if you have questions or need assistance enrolling in eStatements.

Thank you for your patience during this exciting upgrade! If you have any questions, please contact us at the above contact phone numbers.

Sincerely,

Your Black River Country Bank Team