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Prepare for My Pay Online Bill Payment Upgrade

The Bank of Salem is upgrading My Pay on March 30, 2015 to make paying bills better, easier and more convenient than ever. This upgrade should not disrupt your service. In fact, we’re making the entire upgrade as simple and seamless as possible for you. 
Here’s what you can expect when your My Pay upgrades on March 30, 2015:

• You will be prompted to answer a challenge phrase the first time you log in to your upgraded My Pay account.
• All of your payees and any scheduled payments will automatically carry over to the new system.
• If you need to add a new payee, just select the “Add a Payee” button at the top of your dashboard.
• For more information about adding payees and scheduling payments, go to the “Help” tab in your My Pay.

Please view a short demo to see the enhanced simplicity and convenience of upgraded My Pay. Contact The Bank of Salem at 573-729-3137 with any questions about your account.
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U.S. FlagUSA Patriot ActImportant information About Opening A New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you:
When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. Funds Availability Policy Our general policy is to allow you to withdraw funds deposited in your account on the first business day after we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the second, seventh or eleventh business day after the day of the deposit (depending on the circumstances of the deposit). Important Account Notice Regarding an Update to the Federal Reserve Regulation GGUnlawful Internet Gambling Enforcement Act of 2006. INTERNET GAMBLING TRANSACTIONS - You may not use your Bank of Salem account in connection with any business of placing, receiving or otherwise knowingly transmitting bets or wagers by any means which involves the use, at least in part, of the Internet, or for any other transaction which is prohibited by Federal Reserve Regulation GG - Unlawful Internet Gambling Enforcement Act of 2006. This notice serves as your disclosure for customers receiving their statements through Internet Banking. Conforming Loan Payment NoticeIn order for your payment to be considered conforming, all payments must be made in US currency and must be accompanied by the account number and/or payment coupon provided.  Mailed payments must be sent to Bank of Salem, 100 W. 4th St., P.O. Box 459, Salem, MO  65560.  Loan payments may also be made in person to personnel at any of our bank locations.  These payments will be posted and credited to the account as of that business day (except bank holidays) when received during our hours of operation as follows:

Main Bank Location – 100 W. 4th Street, Salem, MO  65560

Monday through Friday – 8:00 AM to 3:00 PM
Saturday – 9:00 AM to 12:00 PM

Drive-In Bank Location – 1001 S. Main Street, Salem, MO  65560

Monday through Friday – 7:30 AM to 6:00 PM
Saturday – 7:30 AM to 12:00 PM

Loan payments received after the close of business will be posted and credited to the account as of the date received or as otherwise permitted by law.

Loan payments may be delivered to the night depository box after hours of operation at either of our locations and will be posted and credited as of the date received or as otherwise permitted by law.

Loan payments may be made by transferring funds from a Bank of Salem Deposit Account to a Bank of Salem Loan Account through the Online Banking service on our website at  Payments will be posted and credited to the account as of that business day if the payment is posted by 6:00 PM.  Payments posted after 6:00 PM or on a Saturday, Sunday, or a Bank holiday will be posted and credited to the account as of the next business day.

Loan payments received by wire are considered nonconforming.  Nonconforming payments may take longer to process.