First merchants online banking - Online & Mobile Banking Features. See account balances at a glance on mobile with Fast Balances. Submit notices of upcoming travel electronically to ensure your debit card (s) still work beyond the. tri-state area. Export transaction history to Money, Quicken or Quickbooks financial management software. View deposit images.

 
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First Merchants Bank, located in Downtown Anderson, IN, can be found on the cross streets of Main St. and E. 9th street, between the Madison County Health Department and the Madison County Courthouse. Our Anderson banking center offers a conference room and free Wi-Fi for our customers to use.Farmers and Merchants Bank Logo. Personal. Deposit Accounts. Checking · Savings · Certificates of Deposit · IRA. Online Services. Online Banking · eStat...The First Merchants Bank West Lafayette location can be found off of US-52 on N. Salisbury Street and W. Navajo Street, next to Huntington Bank. Customers can utilize this location by banking in person or through the drive-through. Our staff is always available to help customers with the ATM, safe deposit boxes, and other banking needs …In the competitive world of retail, managing inventory can be a challenge for merchants. Overstocked items not only tie up valuable storage space but also result in financial losse...Feb 20, 2024 · First Merchants Bank Announces Plans to Expand in Detroit, Bringing Financial Services to Fitzgerald. Dec 21, 2023. First Merchants Bank Celebrates Five Comparably Awards in 2023. Nov 27, 2023. Closing the Knowledge Gap: First Merchants Bank Study Reveals Crucial Gaps in Financial Confidence Among Young Americans. Oct 26, 2023 To use the First Merchants Mobile app, you must be an Online Banking user of First Merchants Bank.. 1 U.S. checking or savings account required to use Zelle ®.Transactions between enrolled users typically occur in minutes. Zelle ® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.. …Access our banking frequently asked questions (FAQs) at First Merchants Bank. Find answers to common queries about our products and services. Skip to main content. Why Us Find a Branch/ATM Help OPEN AN ACCOUNT. ... First Merchants is not responsible for the products, services, content, privacy policy, and security policy on third party websites1 Excludes bank service fees and charges, transactions must post during statement cycle. 2 Multiple deposits of less than required amount will not qualify to waive the monthly maintenance fee.. 3 Students under age 25 can receive Free paper statements, and no monthly maintenance fee with a First Merchants Carefree Checking Account. Seniors …Feb 20, 2024 ... First Merchants Bank ... online influencers. News provided by. First ... First Merchants Bank's Director of Omni and Digital Banking, Jeremy ...When you open the First Merchants Bank mobile app, you will see this screen. Important messages are shown at the top. There is a Forgot Your Password? option in the center. …With Mobile Deposit, you can deposit checks from almost anywhere for Apple or Android devices in just a few simple steps. All you have to do is download our Mobile Banking App and log in using your online banking credentials. Select Mobile Deposit and choose which account will receive the funds. Simply endorse the check, take a photo and send it.Feb 20, 2024 · Visit First Merchants Bank at downtown Muncie, IN, for a range of financial services, including mortgage, online banking, borrowing and more. Find out how we can help you achieve your financial goals and enjoy the convenience and security of our online banking solution. Find the right account type for you. We can help you make a decision on the type of account that would best serve your needs. Discover checking accounts for businesses at First Merchants Bank. Streamline financial operations with features and benefits.Take the wheel with a great deal on a low fixed rate auto loan! You can even refinance an existing high rate auto loan. Call us at 1-800-205-3464 for more information. View our videos and video resources at First Merchants Bank today to gain more knowledge about financial services and other areas that we specialise in.How First Merchants Makes All The Difference. Helping you prosper is our passion. Our bankers know what it means to be attentive because it’s just who they are. They want to help you solve your problems and bring your dreams to life, and they do that by actively listening so they can find the best way to partner with you on your journey.Features: Open your account with no opening deposit*. Loan discounts of 0.25%¹. Free ATMs nationwide with MoneyPass. Free Overdraft Protection Transfers from any linked account. Free Mobile and Text Banking. Free Online Banking including Bill Pay (must be 18 years of age for Bill Pay) First Merchants Bank in Crown Point, IN is located near IN-55 on the cross streets of N. Main Street and North Street. Found between McDonald’s and Station 21 American Grill, this location offers both drive-through service and in-person service. We also have a drive-up ATM that accepts deposits. Jan 23, 2024 ... First Merchants Bank of Muncie announces plans for a new branch in the Fitzgerald neighborhood, offering essential banking products and ...First Data provides services to small businesses, large merchants and international institutions. And when it comes to merchant services, First Data covers all of business’ monetar...Feb 20, 2024 · If you receive a text from an email address claiming to be First Merchants, do not click the link. Only log in to your account using our mobile app, website, or telephone banking. If you're unsure, call us to confirm. Schedule Appointment. 12633 Grafton Road. Mon. - Thu. 9:00AM - 4:30PM. Fri. 9:00AM - 5:00PM. Sat. 9:00AM - 12:00PM. Sign in to the First Merchants Mobile App or First Merchants Personal Online Banking. Choose 'Account Services', then 'eDocument Preferences'. Click the edit icon to change from paper statement to eStatement. Review and accept the service agreement. You'll be able to view your eStatements in 'Account Services' under 'eDocument' when the next ... Under Mobile Banking, click on 'Manage Devices'. Select 'Add New Device'. Enter in the information that is appropriate for your device type and your device's phone number. To use Text Banking, use the commands below to view your account information: Text BAL to 96924 to view your account balance. Checking Accounts. Loaded with no-fee features like a highly rated mobile banking app, a mobile-wallet-ready First Merchants Personal Mastercard® Debit Card with enhanced …First Merchants Corporation Announces Third Quarter 2023 Earnings Per Share. Oct 19, 2023. Scams Trending This Fall. Oct 10, 2023. First Merchants Bank Celebrated for Best Work-Life Balance for the Second Year. Aug 30, 2023. First Merchants Bank Purchases New Indianapolis Regional Headquarters Building. Jul 25, 2023 Deposit checks. At First Merchants Bank, providing you with attentive service is our top priority. Call 1.800.205.3464 for help. Download the app: Everyday banking is fast, easy, and secure in the app or on your PC: Manage your money with full-bank functionality at your fingertips. State-of-the-art security technology protects you anytime, anywhere. Card controls put you in charge of how and where your debit card gets used. Know where you stand with custom alerts to help ...FIRST MERCHANTS BANK CONSUMER MOBILE BANKING END USER TERMS OF USE (“END USER TERMS”) Thank you for using First Merchants Bank Mobile Banking combined with your mobile device's text messaging capabilities. For help, text "HELP" to 226563. To cancel your plan, text "STOP" to 226563 at any time.First Merchants Bank in Avon, IN. First Merchants Bank, located in Avon, IN, can be found off US-36 on Rockwood Rd. near Beechwood Dr., between the Avon Sports Apparel Corporation and Dairy Queen. This location offers both a drive-through and in-person service. Our friendly and knowledgeable staff is able to help customers with the …Feb 20, 2024 · First Merchants Corporation Announces Third Quarter 2023 Earnings Per Share. Oct 19, 2023. Scams Trending This Fall. Oct 10, 2023. First Merchants Bank Celebrated for Best Work-Life Balance for the Second Year. Aug 30, 2023. First Merchants Bank Purchases New Indianapolis Regional Headquarters Building. Jul 25, 2023 With Mobile Deposit, you can deposit checks from almost anywhere for Apple or Android devices in just a few simple steps. All you have to do is download our Mobile Banking App and log in using your online banking credentials. Select Mobile Deposit and choose which account will receive the funds. Simply endorse the check, take a photo and send it.If you receive a text from an email address claiming to be First Merchants, do not click the link. Only log in to your account using our mobile app, website, or telephone banking. If you're unsure, call us to confirm. Schedule Appointment. 12633 Grafton Road. Mon. - Thu. 9:00AM - 4:30PM. Fri. 9:00AM - 5:00PM. Sat. 9:00AM - 12:00PM.Purchasing a home can be an exhilarating, and nail-biting, experience. For many borrowers, it’s one of the largest investments they’ll ever make. Fortunately, our team of local mortgage loan experts are here to help you navigate the process from start to finish. We’ll help you determine which loan is right for you, how much you can afford ...First Merchants Corporation is a financial holding company. The Company conducts banking activities through its wholly owned subsidiary, First Merchants ...Feb 20, 2024 · If you receive a text from an email address claiming to be First Merchants, do not click the link. Only log in to your account using our mobile app, website, or telephone banking. If you're unsure, call us to confirm. Schedule Appointment. 12633 Grafton Road. Mon. - Thu. 9:00AM - 4:30PM. Fri. 9:00AM - 5:00PM. Sat. 9:00AM - 12:00PM. To use the First Merchants Mobile app, you must be an Online Banking user of First Merchants Bank. 1 U.S. checking or savings account required to use Zelle ®. Transactions between enrolled users typically occur in minutes. Zelle ® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. First Merchants Bank in Muncie, IN. First Merchants Bank in Muncie, IN, is located at the intersection of S. Madison and E. 14th Street, across from Family Dollar. Our customers can access this banking center’s services by visiting our staff inside our lobby or accessing the drive-through, with a drive-up ATM that accepts deposits, making ... Make one direct deposit of at least $500 monthly³, OR. Make 15 debit card transactions per month, OR. Maintain $1,500 minimum combined personal deposit balances. Otherwise, $15 monthly maintenance fee. Maximize your benefits by pairing this checking account with our Money Market Account. You can open it online at the same time. Or, download the First Merchants Bank Mobile App “FMBanking” and click the “Enroll Now” on the app. If you are having trouble signing up, you can also visit your local banking center or call customer service at 1.800.205.3464.First Merchants Bank in Downtown Lafayette, IN, is located near the cross streets of Old US 231 and Main Street, nestled in between Java Roaster and Right Steps Daycare. Customers can bank with us by using the drive-through or visiting our staff inside our lobby. Our knowledgeable staff is always available to assist you during business … All Business Online Banking packages include FREE downloads to QuickBooks/Quicken for your convenience. Payments. Unlike some other bank's online banking, First Merchants service includes up to 25 FREE Bill Pay transactions. You can even schedule overnight payments using our Expedited Bill Payment option. First Merchants Bank in Huntington, IN. Our First Merchants Banking Center in Huntington, IN, is located on Guilford Street near Frontage Road, next to JJ’s BP Gas Station. Utilize our services either by visiting us inside our lobby or using our drive-through banking. Our staff is always available during business hours to assist with …Purchasing a home can be an exhilarating, and nail-biting, experience. For many borrowers, it’s one of the largest investments they’ll ever make. Fortunately, our team of local mortgage loan experts are here to help you navigate the process from start to finish. We’ll help you determine which loan is right for you, how much you can afford ...First Merchants Bank in Plainfield, IN. First Merchants Bank located in Plainfield, IN, can be found between Outta The Shed and Pep Boys on E. Main Street, near N. Carr Road. This location can be accessed through the drive-through or by visiting our main lobby. Inside of our lobby our staff can help you with any banking needs such as …First Merchants Bank in Crown Point, IN is located near IN-55 on the cross streets of N. Main Street and North Street. Found between McDonald’s and Station 21 American Grill, this location offers both drive-through service and in-person service. We also have a drive-up ATM that accepts deposits.Welcome to F&M Bank & Trust! Serving Southeast Iowa over 100 years. Explore our personal and business banking services, loans and wealth management.First Merchants Bank Online Banking Attention: Business Solutions Center P.O. Box 792 Muncie, Indiana 47308-0792. O. Verification. You authorize us to investigate or reinvestigate at any time any information provided by you in connection with your application for the Service or the Service Account, and to request reports from credit … FIRST MERCHANTS BANK CONSUMER MOBILE BANKING END USER TERMS OF USE (“END USER TERMS”) Thank you for using First Merchants Bank Mobile Banking combined with your mobile device's text messaging capabilities. For help, text "HELP" to 226563. To cancel your plan, text "STOP" to 226563 at any time. We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our ... To use the First Merchants Mobile app, you must be an Online Banking user of First Merchants Bank. 1 U.S. checking or savings account required to use Zelle ®. Transactions between enrolled users typically occur in minutes. Zelle ® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. First Merchants Bank in Downtown Lafayette, IN, is located near the cross streets of Old US 231 and Main Street, nestled in between Java Roaster and Right Steps Daycare. Customers can bank with us by using the drive-through or visiting our staff inside our lobby. Our knowledgeable staff is always available to assist you during business …Sign in to your account. Welcome back! Sign in to view status or complete next steps on your loan. Email. Password.Feb 20, 2024 · First Merchants Bank Announces Plans to Expand in Detroit, Bringing Financial Services to Fitzgerald. Dec 21, 2023. First Merchants Bank Celebrates Five Comparably Awards in 2023. Nov 27, 2023. Closing the Knowledge Gap: First Merchants Bank Study Reveals Crucial Gaps in Financial Confidence Among Young Americans. Oct 26, 2023 It’s a shield. It’s an app. Easily protect your debit card with our mobile app. With debit card controls* available in your mobile banking app, you can: Turn your debit card on/off if lost or stolen. Set locations to prevent purchases outside your geographic area. Set limits on transactions, including dollar amounts/merchant categories.In the competitive world of retail, managing inventory can be a challenge for merchants. Overstocked items not only tie up valuable storage space but also result in financial losse...Visiting the local branch of a bank is a regular activity for millions of people, but have you ever stopped to think about what a bank actually does? Banks provide a variety of ser...Feb 20, 2024 · Visit First Merchants Bank at downtown Muncie, IN, for a range of financial services, including mortgage, online banking, borrowing and more. Find out how we can help you achieve your financial goals and enjoy the convenience and security of our online banking solution. Visit firstmerchants.com and go to the LOG IN box on the top right of the home page. Choose Personal Account Type for Personal Online Banking then click on the “Enroll Now” at the bottom right ...When temples were centres of redistribution and merchant capitalists ruled the roost. The 1,000 years from the age of Sangam literature to the end of the Chola empire were truly th... Find personal banking accounts, online and mobile banking, borrowing, wealth management and more at First Merchants Bank. Learn how to access your accounts, make payments, deposit checks and more with our helpful resources and FAQs. However, the removal of the former user and the addition of new user is the responsibility of the account owner. The required notice must be given separately from any other notices given to other First Merchants Bank departments or banking centers, by calling us at 1-866-833-0050. You may also write us at: First Merchants Bank Online Banking Business Online Banking allows you to check balances, view statements , transfer funds and pay your bills online, anytime, anywhere. You can set up ACH payments and wire transfers (fees may apply), set up account alerts, order checks, enroll in mobile banking and more, all in a secure, web-based environment. Choose Read More for details about ... 3 Reasons Why You Should Use First Merchants Bank. 1. You’ll get a top-rated bank for attentive service and customer experience. In fact, our “helping you prosper” way of doing business is getting noticed by reputable sources like Forbes and Newsweek. 2.Every First checking account comes with great features to make your life easier. Check out all the different accounts below to find the one that’s right for you. Mobile banking and deposit 8. Online banking and bill pay. Touchless Visa® Debit Card 7. CardGuard with debit card lock. Overdraft protection 11. Zero liability fraud protection 10.First Merchants Bank in Middletown, IN. First Merchants Bank in Middletown, IN, can be found off of I-69 on W. Mill Street and 800 West, next to McCrocklin Ford Dealer. Our staff is always available to help customers with the ATM, opening an account, bank deposits or withdrawals, safe deposit boxes, and other banking needs …Jul 26, 2022 ... ... online application process has never been ... banking and mortgage related. From low to ... Level One Bank is a division of First Merchants Bank,F&M Bank serves all your banking needs, from basic checking to high-yield savings accounts and business CDs, mortgage loans to business loans and more.Feb 20, 2024 · First Merchants Bank, located in Reynoldsburg, OH, can be found off US-40 on E. Main Street and Briarcliff Road, across from Arby’s. Our staff is always available to help customers with the ATM, bank deposits or withdrawals, instant issue debit cards, and other banking needs during business hours. This location also offers a conference room ... Dec 12, 2022 · Ways to Bank. Whether you prefer to use your phone, tablet or computer, we provide the tools to manage your finances when you want. We have many ways for you …If a browser or operating system is no longer supported by the vendor, it is not supported by us. Beta versions of browsers and operating systems are not supported. For other questions about Business Online Banking, check out our FAQs or contact us at 1.866.833.0050.First Merchants Bank in Flora, IN. First Merchants Bank, located in Flora, IN, can be found off IN-18 on Division Line Road near S. 4th St., across the street from Briggs Body Shop. Our friendly and knowledgeable staff is always available to assist customers with the ATM, opening an account, bank deposits or withdrawals, safe … To use the First Merchants Mobile app, you must be an Online Banking user of First Merchants Bank. 1 U.S. checking or savings account required to use Zelle ®. Transactions between enrolled users typically occur in minutes. Zelle ® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. First Merchants Bank in Palos Heights, IL, is located off IL-43, on W. 127th Street near Harlem Avenue. Found between Jewel-Osco and Palos Heights Christian Reformed Church, customers can bank with us using our drive-through or by visiting us in our lobby. Our staff is available inside the banking center to help you with any banking …The First Merchants Bank in Lafayette, Indiana is located near I-65 on the cross streets of South Street and Fairington Ave, next to the Lafayette Courtyard Marriott. Our banking center offers free Wi-Fi to all customers, an easy to access drive-through, as well as a drive-up ATM. Our staff is able to help customers inside our banking center ...First Merchants Bank, located in Reynoldsburg, OH, can be found off US-40 on E. Main Street and Briarcliff Road, across from Arby’s. Our staff is always available to help customers with the ATM, bank deposits or withdrawals, instant issue debit cards, and other banking needs during business hours. This location also offers a conference room ...For everything from personal and business banking to ag lending, we're here to serve you locally. Online Banking. Login · Learn More | Enroll Now. First Merchants Personal Finance gives you the power to view all your financial accounts in one place, so you can efficiently manage and optimize your finances. Setting up online account access at First Merchants Bank can work wonders for your banking experience and your financial success. Connect to convenience today. The number of digits in a merchant identification number, or MID, varies, but is commonly a multiple of 4, notes Merchant Partners. Common lengths include 8, 12, and 16 digits.First Merchants Bank’s online mortgage center helps homebuyers evaluate and find the best mortgage solutions based on their lifestyle, budget and goals. Our mortgage loan officers guide you through every step of the borrowing process, so you can confidently choose a better mortgage that fits your financial needs. Popular mortgage solutions ...First Merchants Bank, located in Downtown Anderson, IN, can be found on the cross streets of Main St. and E. 9th street, between the Madison County Health Department and the Madison County Courthouse. Our Anderson banking center offers a conference room and free Wi-Fi for our customers to use.We charge a $37 fee per transaction that overdraws your account balance by more than $50, with a limit of 6 fees per day. With Overdraft Helper™, fees are not charged on items creating an overdraft balance up to -$50. Beginning the fifth business day, we charge an $8 Recurring Overdraft fee each day your account is overdrawn at any amount.The FMB Banking app is a simple, secure, and convenient place to manage your accounts, build your budget, or meet your goals – anytime, anywhere. Open an account, check your credit score, deposit checks, search your recent activity, transfer money, track your spending habits, set savings goals, schedule and pay bills, send money with Zelle ... We would like to show you a description here but the site won’t allow us. First Merchants Bank in Fort Wayne, IN, is located near IN-3, off of Dupont Road and Radbourne Drive, next to Buffalo Wild Wings. Our staff is able to help customers inside the lobby of our banking center or in the drive-through during business hours with any banking needs. This location also has a drive-up ATM that accepts deposits, a ...Yes - You can view all of your accounts in Mobile & Online Banking.  If you do not see an account contact customer service and they will have it added, as long as you are a signer on the account. Sign in to the First Merchants Mobile App or First Merchants Personal Online Banking. Choose 'Account Services', then 'eDocument Preferences'. Click the edit icon to change from paper statement to eStatement. Review and accept the service agreement. You'll be able to view your eStatements in 'Account Services' under 'eDocument' when the next ... First Merchants Bank, located in Downtown Anderson, IN, can be found on the cross streets of Main St. and E. 9th street, between the Madison County Health Department and the Madison County Courthouse. Our Anderson banking center offers a conference room and free Wi-Fi for our customers to use.First Merchants Bank Online Banking Attention: Business Solutions Center P.O. Box 792 Muncie, Indiana 47308-0792. O. Verification. You authorize us to investigate or reinvestigate at any time any information provided by you in connection with your application for the Service or the Service Account, and to request reports from credit …Feb 20, 2024 · First Merchants Bank McGaliard Road, located in Muncie, IN, can be found on the cross streets of W. McGalliard Road and S. Sanford Road, between Kennedy Library and Kroger. Customers banking at this location can use our drive-through or visit us inside the banking center. Our friendly staff is always available during business hours to help you ... Instant availability. Instead of waiting on your statement to arrive in the mail to reconcile your account, you will receive an email notification as soon as your statement is available in Business Online Banking to view, print, or download.

Under Mobile Banking, click on 'Manage Devices'. Select 'Add New Device'. Enter in the information that is appropriate for your device type and your device's phone number. To use Text Banking, use the commands below to view your account information: Text BAL to 96924 to view your account balance. . Bitstamp exchange

first merchants online banking

Download the app: Everyday banking is fast, easy, and secure in the app or on your PC: Manage your money with full-bank functionality at your fingertips. State-of-the-art security technology protects you anytime, anywhere. Card controls put you in charge of how and where your debit card gets used. Know where you stand with custom alerts to help ... Business Online Banking allows you to check balances, view statements , transfer funds and pay your bills online, anytime, anywhere. You can set up ACH payments and wire transfers (fees may apply), set up account alerts, order checks, enroll in mobile banking and more, all in a secure, web-based environment. Choose Read More for details about ... Sign-in to your First Merchants online banking account to do the following: View pending payments, bill reminders and scheduled payments. Avoid additional late fees with our Expedited Bill Payment option*. Call us at 1.800.205.3464 to set up an appointment to learn more about digital banking and the benefits of Bill Pay. Visit firstmerchants.com and go to the LOG IN box on the top right of the home page. Choose Personal Account Type for Personal Online Banking then click on the “Enroll Now” at the bottom right ... In today’s digital age, having the right online merchant services is crucial for any business looking to thrive in the e-commerce world. With so many options available, it can be o...First Merchants Bank - Tippecanoe in Lafayette, IN, can be found on the cross streets of Veterans Memorial Parkway S. and S. 18th Street, across from Igloo Frozen Custard. Customers can visit us by utilizing the drive-through or by visiting our staff inside the lobby. Our friendly staff is available to help customers during business hours to ...Feb 20, 2024 · If you receive a text from an email address claiming to be First Merchants, do not click the link. Only log in to your account using our mobile app, website, or telephone banking. If you're unsure, call us to confirm. Schedule Appointment. 12633 Grafton Road. Mon. - Thu. 9:00AM - 4:30PM. Fri. 9:00AM - 5:00PM. Sat. 9:00AM - 12:00PM. In today’s digital age, many businesses have turned to continuity subscription models to generate recurring revenue. A continuity subscription merchant is a platform or service pro...First Merchants Bank McGaliard Road, located in Muncie, IN, can be found on the cross streets of W. McGalliard Road and S. Sanford Road, between Kennedy Library and Kroger. Customers banking at this location can use our drive-through or visit us inside the banking center. Our friendly staff is always available during business hours to help …For everything from personal and business banking to ag lending, we're here to serve you locally. Online Banking. Login · Learn More | Enroll Now.MOBILE BANKING APP. Do your banking whenever – and wherever – you’d like with the First Merchants mobile app. The FMB Banking app is a simple, secure, and convenient place to manage your accounts, build your budget, or meet your goals – anytime, anywhere. Open an account, check your credit score, deposit checks, search your recent ... Make one direct deposit of at least $500 monthly³, OR. Make 15 debit card transactions per month, OR. Maintain $1,500 minimum combined personal deposit balances. Otherwise, $15 monthly maintenance fee. Maximize your benefits by pairing this checking account with our Money Market Account. You can open it online at the same time. If a browser or operating system is no longer supported by the vendor, it is not supported by us. Beta versions of browsers and operating systems are not supported. For other questions about Business Online Banking, check out our FAQs or contact us at 1.866.833.0050.First Merchants Bank Munster 45th Avenue is on the cross streets of W. 45th Street and Franklin Parkway, between Alan Gordon Optometrist Office and Munster Citgo Gas Station. Customers banking with us can visit us using the drive-through or coming inside the banking center. Our friendly staff is available anytime during office hours to assist ....

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