Welcome Liberty Bank Customers

To The Middlefield Banking Company

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Our goal in the transition of Liberty Bank customers is to offer you the same quality products and services that our current customers have come to find helpful in their financial dealings. We want you to become engaged with our bank, and vow to do all we can to make you comfortable in this process.

To that end we have prepared what we hope is a helpful guide to assist you in understanding how we will go about converting your current Liberty Bank accounts and services to Middlefield Bank accounts and services. This Q&A format should tell you all you need about our carefully constructed process and the timeline to complete it. If anything is unclear or requires further conversation, please do not hesitate to contact us at any time. We are here to serve YOU.

Thank you for your patience during this process and we hope you will find The Middlefield Banking Company a viable solution for all your financial needs in the future, just as others have during our decades of service to our communities.

Each section below will answer your questions about the transition from the Liberty Bank to The Middlefield Banking Company.

February 13, 2017
  • New Middlefield Banking Company Debit, ATM and HSA Cards mailed week of February 13, 2017
February 20, 2017
  • Liberty Bank ATM Network updated – Deposit and withdraw functions at some ATMs may be temporarily unavailable week of February 20, 2017
February 23, 2017, Thursday
  • Last date online Bill Pay will be available through Liberty Bank.
February 24, 2017, Friday
  • Liberty Bank offices open normal hours
  • Liberty Bank Online and Mobile Banking no longer available at 5:00 pm (No access until February 27, 2017 at 8:00 am)
February 25, 2017, Saturday
  • Liberty Bank offices closed
February 26, 2017, Sunday
  • Liberty Bank Debit, ATM and HSA Cards deactivated at 11:59 pm
February 27, 2017, Monday
  • The Middlefield Banking Company Debit, ATM and HSA Cards are available for use at 6:00 am
  • The Middlefield Banking Company Online and Mobile Banking and Bill Pay available at 8:00 am
  • Liberty Bank offices reopen as The Middlefield Banking Company at 9:00 am
Who is The Middlefield Banking Company?
Since our early beginnings, The Middlefield Banking Company has realized the importance of community. Not only are our local residents the very lifeblood of our existence, but reaching out to be a good neighbor is equally important.
When will I become a Middlefield Banking Company customer?
Liberty Bank will become The Middlefield Banking Company on Monday February 27, 2017, making you a part of the Middlefield Bank family.
Will office hours remain the same?
Yes. Office hours for Beachwood, Solon and Twinsburg will remain the same as before the conversion.
Is there anything I need to do right now?
No, just keep banking as usual with Liberty Bank. Your accounts will automatically be converted to Middlefield Bank accounts on February 27, 2017.

We are committed to making the transition as smooth as possible. For detailed information on account changes, please read the information, disclosures, agreements and notices in this web page and this booklet.
What should I do if I have questions?
If you have any questions about the conversion, please call The Middlefield Banking Company Customer Support Center at 1.888.801.1666. Our Support Representatives are available 8:00 am – 7:00 pm Monday through Friday; and 8:00 am – 3:00 pm on Saturday, or call your local branch.
Can I access my Online and Mobile Banking during conversion weekend?
No. Customers can access their Liberty Bank accounts, as usual, through Online and Mobile Banking until 5:00 pm on Friday, February 24, 2017. You will not be able to access your accounts through Online or Mobile Banking until Monday February 27, 2017 at 8:00 am at middlefieldbank.bank. Please refer to this section for specific information regarding Online and Mobile Banking and Bill Pay.
Will the offices be open during the transition?
Liberty Bank offices will be open during normal business hours on Friday, February 24, 2017, but will be closed Saturday, February 25, 2017. Liberty Bank offices will reopen at 9:00 am Monday, February 27, 2017 as The Middlefield Banking Company. Please keep in mind, although the offices are closed, ATM’s will be available for withdrawals and deposits, and your Liberty Bank debit card will be fully-functional until Sunday February 26, 2017 at 11:59 pm.
When will the Liberty Bank website become middlefieldbank.bank?
The Liberty Bank website will redirect to middlefieldbank.bank on Friday, February 24, 2017 at 5:00 pm.
Will my account number change?
No. Your account number will not change. The routing number of The Middlefield Banking Company, which is 041210448, will replace the routing number of Liberty Bank.
If I write a check before the conversion and it doesn’t clear until after, will it be paid?
Yes. All Liberty Bank checks will automatically be sent to The Middlefield Banking Company. If the funds are available in your checking account, the checks will be paid.
May I continue to use my Liberty Bank checks?
While you can continue to use your existing Liberty Bank checks, we encourage you to replace them with checks from The Middlefield Banking Company, which will bear the new routing number. You may order new checks by contacting our Customer Support Center at 1.888.801.1666 or visiting any branch location. Your first order of basic checks will be complimentary.
I currently order checks through a check ordering service. May I continue to do this?
Provided you use The Middlefield Banking Company’s routing number, which is 041210448, and the appropriate account information, you may continue to use these check ordering services. The customer service staff at any branch location can assist in ensuring that the company you use has the correct information for checks of The Middlefield Banking Company. You may also call our Customer Support Center at 1.888.801.1666.
I have electronic debits and/or credits automatically posting to or from my account such as payroll, Social Security, or automatic payments. Do I need to do anything?
If you receive payroll, social security or other Automated Clearing House (ACH) direct deposits into your checking account you will not notice any disruption of service. Beginning February 27, 2017, your direct deposits will automatically be deposited into your account with The Middlefield Banking Company. You should update the routing number to 041210448 as soon as conveniently possible. If you need assistance please contact our Customer Support Center at 1.888.801.1666 or visit any branch location.
What will happen to automatic payments and registered websites using my debit card?
You will need to set up any automatic payments and registered websites (such as Amazon) using your new debit card number. You can activate your new debit card after receiving, however please note your card cannot be used until after February 27, 2017 after 6:00 am.
Will I continue to receive my account statement at the same time?
Your final Liberty Bank account statement will be produced and mailed to you at the close of business on February 24, 2017. Thereafter, you will begin receiving your statement from The Middlefield Banking Company on the same schedule as your current Liberty Bank statement.
Will I still receive check images with my statements?
Easy Plus Checking includes images with each statements. Customers may also view statements and images through The Middlefield Banking Company’s retail online banking eStatements at middlefieldbank.bank.
How do I continue to receive statements electronically?
On February 27, 2017 you can sign up for electronic statements through retail online banking at middlefieldbank.bank.
Where can I find the interest rate and annual percentage yield (APY) for interest bearing accounts?
After conversion, please visit middlefieldbank.bank or call our Customer Support Center at 1.888.801.1666 for current rates.
Will the rate on my Certificate of Deposit (CD) and/or Individual Retirement Account (IRA) change?
Rates will be honored through maturity.
Will the term on my Certificate of Deposit (CD) and/or Individual Retirement Account (IRA) change?
The Middlefield Banking Company will honor all current terms through maturity.
Will I continue to receive an annual IRA statement?
Yes. You will continue to receive an annual IRA statement in January of each year.
May I change my automated IRA distribution?
Yes. Your local Middlefield Bank office will have you sign a Distribution Request Form to make that change.
What will happen to my Safe Deposit Box?
The contents of your Safe Deposit Box will remain secure after the conversion to The Middlefield Banking Company. Additionally, access to your Safe Deposit Box will remain the same.

Checking Accounts.

Current Liberty Account New MB Account Account Details
Liberty Free Checking Easy Checking account details on this website
in a new window
Liberty Interest Checking N.O.W. Checking account details on this website
in a new window
Money Market Investment Account Money Market Checking account details on this website
in a new window
Liberty Health Savings Account Health Savings account details on this website
in a new window

Savings Accounts.

Current Liberty Account New MB Account Account Details
Liberty Kid’s Savings Teen Savings account details on this website
in a new window
Liberty Statement Savings Super Saver Savings account details on this website
in a new window

IRA Accounts.

account details on this website in a new window

Certificate of Deposit Accounts.

account details on this website in a new window
When will access to Liberty Bank Online and Mobile Banking end?
Customers can access their personal Online and Mobile Banking until 5:00pm on Friday, February 24, 2017.
When is the last date that my Online Banking transactions will be processed?
Internal one time transfers and scheduled bill payments will be processed until 5:00 pm on Friday, February 24, 2017 through Liberty Bank. Following that, transactions will be routed and processed through Middlefield Bank.
When can I login to The Middlefield Banking Company Online Banking?
Online and Mobile Banking will be accessible at 8:00 am on Monday, February 27, 2017. You will be able to login using your existing Liberty Bank online banking username or user ID. You will however have a different password. Your temporary password will be the last 6 digits of your social security number. You will be required to change this password once logged in.
How do I sign up for Online Banking if I am currently not a Liberty Bank Online Banking Customer?
Beginning Monday, February 27, 2017 at 8:00 am, you may go to middlefieldbank.bank and click on “New User?” in the EasyLink Online Login box on our homepage. Once enrolled, you may sign up for Mobile Banking, e-statements and Bill Pay by selecting the corresponding tabs the first time you login.
Will I continue to receive statements electronically?
No. Beginning February 27, 2017 at 8:00 am you will need to re-enroll for electronic statements through retail online banking at middlefieldbank.bank.
How do I continue to use Mobile Banking?
You may continue to be a mobile banking customer but must enroll in Middlefield Bank system. On February 27, 2017 you can sign up for Mobile Banking through retail online banking at middlefieldbank.bank. Once enrolled, you may download the Middlefield Bank Easylink app from your device’s application store. Please note that our mobile banking application is only available for Apple IOS (iPad or iPhone) or Google Android devices.*
How do I sign up for Mobile Banking if I am currently not a Liberty Bank Mobile Banking Customer?
On February 27, 2017 you can sign up for Mobile Banking through retail online banking at middlefieldbank.bank. Once enrolled, you may download the Middlefield Bank Easylink app from Apple ITunes App Store (iPad or iPhone) or Google Play for Android devices.*
When is the last date I can make a payment through Liberty Bank online Bill Pay?
February 23, 2017 will be the last day payments will be processed through Liberty Bank. Vendor information will be transferred to Middlefield Bank and available February 27, 2017.
*App Store is a service mark of Apple Inc. Android is a trademark of Google Inc.
Will I need a new Debit Card?
Yes. You will receive a new Middlefield Bank Debit Card in the mail during the week of February 13, 2017. Your new card will be MasterCard branded. You can continue to use your Liberty Bank Debit Card to make cash withdrawals and debit card purchases until 11:59 pm on February 26, 2017.
When should I begin to use my new Middlefield Bank Debit Card?
You may activate your Middlefield Bank Debit Card after receiving by calling the 800# provided on your card. You may begin using your card after February 27, 2017 at 6:00 am. Your Liberty Bank Debit Card will be automatically deactivated at 11:59 pm on February 26, 2017.
When should I begin to use my new Middlefield Bank ATM Card?
You may activate your Middlefield Bank Debit Card once your receive it. The card will be available for cash withdraws after 6:00 am on Monday, February 27, 2017. Your Liberty Bank ATM Card will be automatically deactivated at 11:59 pm on February 26, 2017.
What will happen to automatic payments and registered websites using my debit card?
You will need to set up any automatic payments and registered websites (such as Amazon) using your new debit card number. You can activate your new debit card after receiving, however please note your card cannot be used until after February 27, 2017 after 6:00 am.
What are the card limits?

Daily Limits:

  • ATM $300.00
  • Debit Card (Consumer, HSA, or Business) $2,000.00
  • Card-not-present or online purchases $1,000.00

Consumer Debit Card

Consumer ATM Card

Health Savings Debit Card

Business Debit Card
Will my loan account number change?
No. Your account number will not change.
Will my loan terms change?
No. The loan terms as outlined in your consumer or mortgage documents will be honored by The Middlefield Banking Company.
What will I use to pay my loan?
Billing statements will be mailed to you based on your scheduled payment date.
Will I receive new checks to access my line of credit?
You may continue to use your existing checks until new Middlefield Bank checks are provided to you.
Will there be a change in how I make my loan payments?
If you mail your loan payments, you may send them to P.O. Box 35, Middlefield, OH 44062-0035. You may also make a payment in person at any of our 14 Middlefield Bank offices. Payment may also be made by automatic transfer from a Middlefield Bank checking or saving account, or through Online Banking.
Will I have the option to pay by phone?
Yes. EasyLine, Middlefield Bank’s telephone banking service, allows loan payments from a Middlefield Bank checking or savings account by dialing 1.877.622.2794, option 4.
Will my mortgage loan escrow account transfer to The Middlefield Banking Company?
Yes. Your escrow account will automatically transfer to Middlefield Bank and the terms and conditions will remain the same. You will receive an annual escrow analysis statement approximately 12 months from your last escrow analysis statement.
My loan payment is automatically deducted from my checking account. Will this service continue?
Yes. The date the loan payment is deducted will remain the same and payments will continue without interruption.
Will there be any other differences in how my loan is serviced?
There will be no disruption in how your loan is serviced.
May I make a loan payment using Bill Pay through another financial institution?
If you currently pay via online banking with another financial institution, you will need to update your Bill Pay to reflect The Middlefield Banking Company and update the mailing address.
May I apply for a new loan with The Middlefield Banking Company?
Yes. For more information, please visit your local office, call Customer Support Center at 1.888.801.1666, or visit middlefieldbank.bank.
Who do I call if I need assistance?
If you have any questions about the transition, or are in need of general customer support, please call The Middlefield Banking Company Customer Support Center at 1.888.801.1666. Our Support Representatives are available 8:00 am – 7:00 pm Monday through Friday; and 8:0 0am – 3:00 pm on Saturday.
How will the Customer Support Center be able to assist me?
The Customer Support Center can offer assistance to a wide array of customer requests including balance history, account transfers, resolution of online banking issues, statement requests, check re-orders, stop payments, transaction disputes and much more.
How will the Customer Support Center benefit me, the customer?
The Middlefield Banking Company Customer Support Center is designed to provide the following benefits to our customers:
  • Extended hours of operation that allow you to speak to a bank employee after normal banking hours.
  • Your call is going to be answered by Representatives that can resolve your issue, while at the same time avoiding the need to be transferred.
  • With more than one individual responsible for answering calls, you should experience minimal hold time.
Is there an automated service that I can call to receive basic account information?
The Middlefield Banking Company’s EasyLine is an automated telephone banking service that can be accessed 24 hours a day, 7 days a week.
How do I access EasyLine?
To access account information via the EasyLine, simply dial 1.877.622.2794 and enter your account number and your telephone banking password. Initially, your telephone banking password will be defaulted to the last four digits of your social security number. After your initial login, your telephone banking password can be changed by selecting option #9
What can I do over EasyLine?
With our EasyLine Telephone Banking service, our customers have the ability to:
  • Verify account balances
  • Check recent transactions
  • Verify checks
  • Check recent deposits
  • Transfer between accounts
  • Make loan payments and much more!
Will my account number change?
No. Your account number will not change. The routing number of The Middlefield Banking Company, which is 041210448, will replace the routing number of Liberty Bank.
If I write a check before the conversion and it doesn’t clear until after, will it be paid?
Yes. All Liberty Bank checks will automatically be sent to The Middlefield Banking Company. If the funds are available in your checking account, the checks will be paid.
May I continue to use my Liberty Bank checks?
While you can continue to use your existing Liberty Bank checks, we encourage you to replace them with checks from The Middlefield Banking Company, which will bear the new routing number. You may order new checks by contacting our Customer Support Center at 1.888.801.1666 or visiting any branch location. We will pay for your first order of basic checks, or provide $150.00 off, whichever is less.
I currently order checks through a check ordering service. May I continue to do this?
Provided you use The Middlefield Banking Company’s routing number, which is 041210448, and the appropriate account information, you may continue to use these check ordering services. The customer service staff at any branch location can assist in ensuring that the company you use has the correct information for checks of The Middlefield Banking Company. You may also call our Customer Support Center at 1.888.801.1666.
When I want to reorder checks or deposit slips, do I use the same form that I received with my Liberty Bank checks?
No. When you are ready to reorder, please call the Customer Support Center or visit your local office for assistance.
I have electronic debits and/or credits automatically posting to or from my account. Do I need to do anything?
If you receive payroll, social security or other Automated Clearing House (ACH) direct deposits into your checking account you will not notice any disruption of service. Beginning February 27, 2017, your direct deposits will automatically be deposited into your account with The Middlefield Banking Company. You should update your routing number to 041210448 as soon as conveniently possible after February 27, 2017.
Will I continue to receive my account statement at the same time?
Your final Liberty Bank account statement will be produced and mailed to you at the close of business on February 24, 2017. Thereafter, you will begin receiving your statement from The Middlefield Banking Company on the same schedule as your current Liberty Bank statement.
Will I still receive check images with my statements?
Easy Business Plus Checking includes images with each statements. Customers may also view statements and images through The Middlefield Banking Company’s online banking at middlefieldbank.bank.
When can I login to The Middlefield Banking Company Business Online Banking for my business?
You will receive a letter from us a week prior to conversion. This letter will contain your newly assigned User Code and Temporary Password to access Online Banking. Any authorized users will receive a new User Code and Temporary Password. You will be required to change this password once logged in.
Will I have access to Bill Pay for my business?
Once you have successfully logged into Business Online Banking, you will have access to Bill Pay for your business. Your accounts and vendors will need to be set up in order to make payments from Bill Pay as this information will not be converted. We recommend that prior to conversion on February 24, 2017, you make printed copies of your vendor information and history for your records.
How do I continue to receive statements electronically?
On February 27, 2017 you can sign up for electronic statements through online banking at middlefieldbank.bank.
If I currently use Positive Pay at Liberty Bank, will I have this service with The Middlefield Banking Company?
Yes, The Middlefield Banking Company will have a Positive Pay service through Business Online Banking. Although the process may be somewhat different, the desire to monitor and combat fraudulent activity utilizing the positive pay process remains the same.
Where can I find the interest rate and annual percentage yield (APY) for interest bearing accounts?
After conversion, please visit middlefieldbank.bank or call our Customer Support Center at 1.888.801.1666 for current rates.
Do I need to order a new endorsement stamp?
After conversion, please stop into your local office and we will order you a new Middlefield Bank endorsement stamp free of charge.
Will my Night Deposit Box key still work?
Yes. You can continue to access the Night Deposit Box with your current key. If you are a Night Deposit customer, visit your nearest Middlefield Bank office after February 27, 2017, to obtain a supply of new Night Deposit bags.
What will happen to my Safe Deposit Box?
The contents of your Safe Deposit Box will remain secure after the conversion to The Middlefield Banking Company. Additionally, access to your Safe Deposit Box will remain the same.
If I currently use the Lock Box service at Liberty Bank, will I have this service with The Middlefield Banking Company?
No, The Middlefield Banking Company currently does not offer Lock Box services. If you are a Lock Box customer we will be contacting you before February 24, 2017 to determine how you would like the Lock Box service to be handled post-conversion.

Checking Accounts.

Current Liberty Account New MB Account Account Details
Liberty Business Basic Checking Easy Business Checking account details on this website
in a new window
Liberty Business Interest Checking Business N.O.W. Checking account details on this website
in a new window
Liberty Business Money Market Investment Account Business Money Market Checking account details on this website
in a new window
Liberty Business Checking Business Analysis Checking account details on this website
in a new window

Savings Accounts.

Current Liberty Account New MB Account Account Details
Liberty Business Statement Savings Super Saver Savings account details on this website
in a new window
Will my loan account number change?
No. Your account number will not change.
Will my loan terms change?
No. The loan terms as outlined in your loan documents will be honored by The Middlefield Banking Company.
Will there be a change in how I make my loan payments?
If you mail your loan payments, you may send them to P.O. Box 35, Middlefield, OH 44062-0035. You may also make a payment in person at any of our 14 Middlefield Bank offices. Payment may also be made by automatic transfer from a Middlefield Bank checking or saving account, or through Online Banking.
Will I have the option to pay by phone?
Yes. EasyLine, Middlefield Bank’s telephone banking service, allows loan payments from a Middlefield Bank checking or savings account by dialing 1.877.622.2794, option 4.
My loan payment is automatically deducted from my checking account. Will this service continue?
Yes. The date the loan payment is deducted will remain the same and payments will continue without interruption.
Will there be any other differences in how my loan is serviced?
There will be no disruption in how your loan is serviced.
May I make a loan payment using Bill Pay through another financial institution?
If you currently pay via online banking with another financial institution, you will need to update your Bill Pay to reflect The Middlefield Banking Company and update the mailing address.
How do I request a draw from my business Line of Credit?
Procedures for business Line of Credit draws will remain the same as before the conversion.
What happens to my insurance coverage if I have deposits at two insured banks that merge?
When two or more insured banks merge, deposits from the assumed bank are separately insured from deposits at the assuming bank for at least six months after the merger. This grace period gives a depositor the opportunity to restructure his or her accounts, if necessary.

CDs from the assumed bank are separately insured until the earliest maturity date after the end of the six-month grace period. CDs that mature during the six-month period and are renewed for the same term and in the same dollar amount (either with or without accrued interest) continue to be separately insured until the first maturity date after the six month period. If a CD matures during the six month grace period and is renewed on any other basis, it would be separately insured only until the end of the six month grace period.
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