Limited Branch Lobby Access Begins June 29th

The safety and well-being of our customers and our employees continues to be our top priority. We truly appreciate your continued patience and loyalty during this extraordinary time. Please know that Coastal Heritage Bank remains fully operational with the majority of our staff members continuing to work remotely.

A few important new points to keep in mind:

• We are closely monitoring evolving recommendations from the Commonwealth of Massachusetts as well as The Massachusetts Bankers Association regarding banking operations.
• Effective Monday, June 29th our retail branch lobbies will be available, with restrictions. Customers are strongly advised to continue to perform basic banking transactions – check cashing, deposits, withdrawals – at the drive-up window. Customers will be admitted to branch lobbies on a limited basis while following strict social distancing protocols including but not limited to required face coverings. A maximum of 3 customers will be admitted to each lobby at one time. Customers will be required to complete a Health Assessment Questionnaire prior to entering the lobby. Detailed instructions regarding lobby access procedures will be posted at the entry door of each branch. Branch doors will continue to be locked and customer entry will be controlled by branch employees for security purposes.
• We strongly encourage you to utilize our online banking and mobile banking platforms for 24/7 account access. These digital channels allow you to make payments, view transactions, check balances, find one of our 55,000 free ATMs, open new accounts and more. Enroll today at https://coastalheritagebank.com/online-banking/
• If you are a Coastal Heritage Bank loan customer experiencing a hardship or have been impacted by the COVID-19 pandemic, please reach out to us and we will respond to your inquiry as quickly as possible:
• • Personal or Home Loans: 800-695-1300 or email us at [javascript protected email address]
  • Commercial Loans: 800-695-1300 or contact your commercial loan officer directly.
• Updates will be regularly posted on our website: https://coastalheritagebank.com/covid-19-updates/

We will continue to evaluate additional measures to support our customers and communities as needed. Should you find yourself in need of assistance, please do not ever hesitate to contact us. Again, we thank you for your continued patience and loyalty.

Thank you.

Robert W. Terravecchia, Jr.
President/Chief Executive Officer

The safety and well-being of our customers and our employees continues to be our top priority. We truly appreciate your continued patience and loyalty during this extraordinary time. Please know that Coastal Heritage Bank remains fully operational with the majority of our staff members working remotely.

A few important points to keep in mind:

• We are closely monitoring evolving recommendations from the Commonwealth of Massachusetts as well as The Massachusetts Bankers Association regarding the opening of our branch network lobbies. Please be assured we will only fully open our branch offices when it is safe to do so.
• In the meantime we continue to offer drive-up window service as previously noted. Customers who require an in-person meeting to complete a transaction, such as a loan closing or to access a safe deposit box may do so by Branch appointment only. Please call 800-695-1300 if you need to schedule a Branch appointment
• If you are a Coastal Heritage Bank loan customer experiencing a hardship or have been impacted by the COVID-19 pandemic, please reach out to us and we will respond to your inquiry as quickly as possible:
  • Personal or Home Loans: 800-695-1300 or email us at [javascript protected email address]
  • Commercial Loans: 800-695-1300 or contact your commercial loan officer directly.
• We strongly encourage you to utilize our online banking and mobile banking platforms for 24/7 account access. These digital channels allow you to make payments, view transactions, check balances, find one of our 55,000 free ATMs and more. Additional enrollment information can be found at https://coastalheritagebank.com/online-banking/
• Coastal Heritage Bank is proud to be a member of the Federal Deposit Insurance Corporation (FDIC) and the Depositors Insurance Fund (DIF). This means that all customers’ deposits are insured in full. Regardless of the number of accounts or the total funds, Coastal Heritage Bank’s deposits are safe and secure.
• Regular updates will be posted on our website: https://coastalheritagebank.com/covid-19-updates/

We will continue to evaluate additional measures to support our customers and communities as needed. Should you find yourself in need of assistance, please do not hesitate to contact us. Again, we thank you for your continued patience and loyalty.

Thank you.

Donald P. Gill
President/Chief Executive Officer

Robert W. Terravecchia, Jr.
Vice Chairman & Chief Operating Officer

This week the IRS began making the economic stimulus payments through direct deposit.

If you filed a Federal Tax Return in 2018 or 2019 and received your tax refund via direct deposit, your stimulus payment will be deposited directly to your bank account the IRS has on file.

If you filed a Federal Tax Return in 2018 or 2019 but have not set up direct deposit with the IRS, you can submit your direct deposit information to the IRS now to get your Economic Impact Payment deposited directly into your bank account.  Click “Get My Payment” through the following link: https://www.irs.gov/coronavirus/get-my-payment

If you don’t usually file a tax return, you can submit your information to the IRS to get the Economic Impact Payment. Click “Get Started” through the following link: https://www.freefilefillableforms.com/#/fd/EconomicImpactPayment

Additionally, we will ensure that stimulus payments are credited to your account the day in which they are received.  These economic payments are to benefit you, our customer, which is why you will never see us using any of the proceeds to satisfy debt obligations.  The full amount of these payments will be added directly to your current available deposit account balance in order for you to choose how you would like to use it.

If you are current Coastal Heritage Bank loan customer experiencing a hardship or have been impacted by the COVID-19 pandemic, please reach out to us and we will respond to your inquiry as quickly as possible:

Personal or Home Loans: 800-695-1300 or email us at [javascript protected email address]

Commercial Loans: 800-695-1300 or contact your loan officer directly.

To enhance your digital banking experience, we want to let you know about a few things we’ve been working on and remind you of some options that we have available.

Online Banking Updates During COVID-19

To help promote social distancing and limit your need to leave your home, we’ve made the following enhancements for your convenience:

To provide customers the ability to transfer money from a savings account to another account or to third parties by pre-authorized, automatic, telephone or computer transfers, we are temporarily waiving all charges in the event you make more than 6 in a statement period.

To allow customers to maximize the ability to make check deposits through mobile devices, the bank is raising the deposit limit from $5,000 per day to $10,000.

Don’t Forget – Online Bill-Pay

Take advantage of online bill payments through Internet Banking!

Don’t Forget – Debit Card Monitoring

Control your Debit MasterCard^® anytime, anywhere with the free Card Valet app. You’ll have the flexibility to manage and monitor your card account to help prevent fraud, receive alerts, set spending limits and geographic restrictions.

• Manage account restrictions for location, merchants, spending limits and types of transactions such as in-store or online purchases
• Control spending by setting dollar limits and geographical restrictions
• Receive alerts for your cards, including dependent cards
• Monitor your account conveniently and securely
• Protect against ATM fraud by disabling/enabling transactions when needed
• Block merchant types
• Disable/Enable your card in between purchases
• Disable e-commerce purchases if you don’t shop online
• Set monthly or per transaction amount spending limits

Fraud Text Messaging

Occasionally you may receive text messages from Coastal Heritage Bank asking for you to authenticate a specific transaction. These transaction alerts are generated when there is eCommerce activity that may not align with your spending patterns. Please respond to these text alerts to let us know whether or not the transaction in question is valid. This process helps protect customers and the Bank from potential fraud.

Branch Lobbies Remain Closed

We have determined that closing our branch lobbies until further notice allows us to implement social distancing to reduce the risk of spreading the virus to our customers and branch employees.

ATM’s & Drive-Up Windows Open

Teller transactions can be conducted at our ATM’s 24 hours a day and our drive-up windows during our regular business hours. Drive-up employees are required to sanitize between transactions. ATM’s are sanitized regularly throughout the day. Customers who require an in-person meeting to complete a transaction, such as a loan closing or to access a safe deposit box may do so by Branch appointment only. Please call 800-695-1300 if you need to schedule a Branch appointment.

We will continue to closely monitor the situation and evaluate additional measures to support our customers and communities as needed. Should you find yourself in need of assistance, please do not hesitate to contact us.

We thank you for your continued patience and understanding.

The safety and well-being of our customers and our employees is our top priority. We will continue to provide you with updates as we monitor the development of the COVID-19 Coronavirus and adapt as new information becomes available. We have adjusted our services to mitigate the risk of spreading the virus. Here is what you need to know:

Branch Lobbies Closed
We have determined that closing our branch lobbies until further notice allows us to implement social distancing to reduce the risk of spreading the virus to our customers and branch employees.

ATMs & Drive-Up Windows Open
Teller transactions can be conducted at our ATMs 24 hours a day and our drive-up windows during our regular business hours.
Drive-up employees are required to sanitize between transactions. ATMs are sanitized regularly throughout the day.

Customers who require an in-person meeting to complete a transaction, such as a loan closing or to access a safe deposit box may do so by Branch appointment only. Please call 800-695-1300 if you need to schedule a Branch appointment.

Online & Mobile Access
We also want you to have confidence that you can bank virtually anywhere, anytime with the Coastal Heritage Bank app and at https://coastalheritagebank.com. We strongly encourage you to use these digital tools and other resources for self-service banking and 24/7 account access. These digital channels allow you to make payments, view transactions, check balances, find one of our 55,000 free ATMs and more. It’s easier and faster (in most cases) to manage your account digitally, especially given call wait times may be longer than usual.

If you haven’t enrolled in online access, it only takes a few minutes.

• Website: https://coastalheritagebank.com/online-banking/
  Follow the instructions at “Enroll Now”
• App: Search for Coastal Heritage Mobile

We will continue to closely monitor the situation and evaluate additional measures to support our customers and communities as needed. Should you find yourself in need of assistance, please do not hesitate to contact us.

We thank you for your continued patience and understanding.

COVID-19 Coronavirus Statement from Coastal Heritage Bank

At Coastal Heritage Bank, the safety and well-being of our customers, associates and communities is our top priority. Like you, we’re monitoring the latest news about the COVID-19 Coronavirus. That’s why we’re doing all we can to make sure our branches are open, our bankers are present and our customer support centers are available.

We also want you to have confidence that you can bank virtually anywhere, anytime with the Coastal Heritage Bank app and at https://coastalheritagebank.com. We strongly encourage you to use these digital tools and other resources for self-service banking and 24/7 account access. These digital channels allow you to make payments, view transactions, check balances, find one of our 55,000 free ATMs and more. It’s easier and faster (in most cases) to manage your account digitally, especially given call wait times may be longer than usual.

If you haven’t enrolled in online access, it only takes a few minutes.

Website: https://coastalheritagebank.com/online-banking
Follow the instructions at “Enroll Now”
App: Search for Coastal Heritage Mobile

Be Aware of Scammers – Be vigilant! Fraudsters often take advantage of events such as these. Below is a link to the Federal Trade Commission’s site with specific coronavirus-related scam information.

https://www.consumer.ftc.gov

The Center for Disease Control and Prevention, a division of the U.S. Department of Health and Human Services, https://www.cdc.gov/coronavirus, provides situation updates, advice, and FAQs.

We will continue to closely monitor the situation and evaluate additional measures to support our customers and communities as needed. Should you find yourself in need of assistance, please do not hesitate to contact us.

Thank You.