Nicolet National Bank and MidWestOne Bank

Why are Nicolet Bank and MidWestOne Bank merging?

This partnership combines our resources and people to serve customers and communities in the Upper Midwest. We believe the best way to meet local needs is through local resources, now more than ever. Working together, we can help make the communities we serve stronger.

What’s not changing?

One thing that will not change with this merger is our focus on staying local. Decisions about banking-related matters and investments in the community will be made by those closest to the customer. Local decision-making is one of the key differences between us and our larger competitors.

When will MidWestOne open as Nicolet National Bank?

MidWestOne will open as Nicolet National Bank on Monday, August 10, 2026.  Since February 13, 2026, MidWestOne Bank has been operating as a division of Nicolet National Bank. We will fully consolidate operations at the end of business on Friday, August 7, 2026, and officially open as Nicolet National Bank on Monday, August 10, 2026.  

Do customers need to do anything right now regarding the upcoming changes?

There is no action required until closer to August 7, 2026. Please continue banking as usual with your current MidWestOne services and branches. If you have additional questions, please contact your local MidWestOne banker, call 1-800-247-4418 or email customersupport@MidWestOne.com. 

The physical signs on my local branch changed before August 10, 2026, is my branch changing early to Nicolet Bank?

No. You may notice Nicolet National Bank signage appearing at your local MidWestOne branch ahead of the conversion, but all locations will continue operating as MidWestOne Bank until August 10, 2026. 

What’s next?

As we draw closer to the operational merger on August 10, 2026, you will receive letters from Nicolet National Bank about your products and services, and what will happen next when we become one bank.

In July, consumers received a disclosure package with details about Nicolet National Bank accounts, based on current MidWestOne accounts. Business Deposit account customers can view upcoming changes here. As we get closer to conversion weekend, we’ll also share answers to frequently asked questions and action steps related to changes to your accounts, cards, online banking, and more. 

How will you keep customers informed?

We will share updates as soon as decisions are finalized and confirmed. Transparency and communication are priorities throughout this process.

When is the conversion and how will it affect branch hours that weekend?

The conversion will occur over the weekend of August 7, 2026. All MidWestOne branches will close at normal business hours on Friday, and reopen on Monday, August 10th as Nicolet National Bank. MidWestOne branches will not be open on Saturday, August 8th.

Will phone numbers, including branch numbers, change?

The main company phone number for Nicolet National Bank is 1-800-369-0226. All branch phone numbers will remain the same. Please note that some employee direct phone lines may be updated.

Are the hours for my local branch changing? Will my MidWestOne branch be closed?

Branch hours are not changing at this time. As of July 2026, MidWestOne branches will remain open and convert to Nicolet National Bank, with the exception of Denver, CO.

What’s happening with the MidWestOne Branches in Denver, CO.?

As of April 21, 2026, Nicolet National Bank has entered into a definitive purchase and assumption agreement to sell its Denver, Colorado banking branches (acquired in the MidWestOne transaction) to Sunwest Bank. Beginning July 29, 2026, the Denver bank branches will join Sunwest Bank as part of a planned acquisition. The branch locations and teams will continue operating, supported by Sunwest bank’s resources and platforms.

What do MidWestOne Denver customers need to do now?

No action is required at this time. Customers can continue banking as usual. If any changes are needed in the future, Sunwest will communicate clearly and well in advance. Beginning July 29, 2026, Denver bank branches will join Sunwest Bank as part of a planned acquisition. The branch locations and teams will continue operating, supported by Sunwest bank’s resources and platforms. Denver customers will receive information directly from Sunwest Bank about the upcoming conversion.

What happened to my Denver accounts?

Until the planned transition takes effect, nothing about your banking changes. You can continue to bank as you do today, with the same people, at the same offices. Your accounts stay open and active, and your deposits are insured by the FDIC now and will remain insured by the FDIC after the planned transition. Sunwest Bank is partnering closely with MidWestOne to transition you into the same or similar deposit accounts and services.

Who should Denver customers contact for more information?

Please continue to contact your local Denver banking office or banker, who remains your primary point of contact. We are all committed to a smooth and successful transition. In addition to your local team, dedicated support staff will be available to assist with questions leading up to and following conversion, Sunwest Bank is available at 800.330.9890.

When will my accounts or services change?

In July, consumers received a disclosure package with details about your new Nicolet National Bank accounts, based on your current MidWestOne accounts. As we get closer to conversion weekend, we’ll also share answers to frequently asked questions and action steps related to changes to your accounts, cards, online banking, and more.  Your accounts will change on August 10, 2026. 

How will I know what my new Nicolet Bank products are?

Your disclosure package outlines your new Nicolet National Bank consumer accounts. After learning about your new products, you can always make changes after the merger by talking to your banker. 

What else can I expect with the upcoming disclosure package?

In July, consumer accounts received a disclosure package with details about your new Nicolet National Bank accounts, based on your current MidWestOne accounts. The upcoming product letters also shared required disclosures as required by law. If you have multiple deposit accounts, you’ll receive multiple letters, as this information must be provided for each account: 

• Privacy Notice 
• Account Terms and Conditions 
• Consumer (Retail) Services & Fees 
• Truth in Savings Disclosure 

Can I still use my MidWestOne Bank checks?

Yes, you can still use your current MidWestOne Bank checks until the MidWestOne Routing Number is retired in Spring 2027

Can I still use my MidWestOne Bank debit card?

Yes, you can still use your current MidWestOne Bank debit card until the operational merger.  Your new debit card will be reissued prior to August 10, 2026. 

Will there be changes to my deposit account?

Yes, your account will change and be moved to Nicolet National Bank. Your consumer disclosure package will outline your new Nicolet National Bank consumer accounts. After learning about your new products, you can always make changes after the merger by talking to your local banker.

Will my account numbers change after the conversion?

Account numbers will stay the same unless you are notified by your banker that you have a duplicate account number. 

What is Happening with Direct Deposits, ACH Payments and Checks?

Direct deposits, automatic payments (ACH), and checks will continue to work as they do today—no immediate action is needed.

Looking ahead, the MidWestOne routing number will be retired in 2027. Before then, you’ll need to update your direct deposits, automatic payments, and any checks that use this routing number. We recommend updating recurring payments as soon as possible. When you reorder checks through the bank, they will automatically include Nicolet Bank’s routing number.

Will the Routing Transit Number (RTN) change for checks and recurring payments?

Yes, however, the MidWestOne Routing Number will not be retired until Spring of 2027. You can continue to use your current MidWestOne Bank checks until RTN retirement in Spring 2027. Recurring and Automated Clearing House (ACH) payments should be updated as soon as possible, and prior to the routing number retirement.

What will happen to ACH payment transactions originating from another Financial Institution? Will my pre-authorized transactions still work?

Yes, ACH payments will continue to work. Information should be updated as soon as possible, and prior to the MidWestOne Routing Number retirement in 2027.

Will the process for Wires change?

NO, the current process for Wires will not change.

Will Overdraft Privilege continue to function?

If you currently have consumer or business Overdraft Privilege ODP, it will continue to function as it does today.

Where do I access online and mobile banking?

The same place you access today, until August 7, 2026. Online and mobile banking will be unavailable August 7 at 8:00 p.m. CT until August 10 at 8:00 a.m. CT.

As part of the transition from MidWestOne, current users will begin using Nicolet Bank Digital for their online and mobile banking experience starting Monday, August 10 after 8:00 a.m. CT.

Can I transact on my MidWestOne account at a Nicolet location?

Until Nicolet Bank and MidWestOne Bank combine operational systems on August 10, 2026, MidWestOne account holders cannot complete transactions at Nicolet locations.  Similarly, Nicolet account holders cannot complete transactions at MidWestOne locations until operational systems are combined.

How do I make loan payments?

You may continue to make your payments in the same way you do now including in person at your local branch, automatic payment, and mail. Effective August 10, 2026, please update payment address and mail payments to: Nicolet National Bank, P.O. Box 23900, Green Bay, WI 54305-3900. The name of your servicer will change from MidWestOne Bank to Nicolet National Bank. Nicolet National Bank will accept payments beginning August 10, 2026.

Will there be changes to my Mortgage loan?

Mortgage customers will receive a Notice of Servicing Transfer Letter with details.

Will my Safe Deposit Box lease change?

No. When your safe deposit box lease renews, it will be billed at Nicolet’s standard lease rate. Information about lease rates is available at your branch.

What will happen with Online Banking?

Online and mobile banking will be unavailable August 7 at 8:00 p.m. CT until August 10 at 8:00 a.m. CT.

As part of the transition from MidWestOne, current users will begin using Nicolet Bank Digital for their online and mobile banking experience starting Monday, August 10 after 8:00 a.m. CT.

What will happen with mobile banking?

Online and mobile banking will be unavailable August 7 at 8:00 p.m. CT until August 10 at 8:00 a.m. CT.

As part of the transition from MidWestOne, current users will begin using Nicolet Bank Digital for their online and mobile banking experience starting Monday, August 10 after 8:00 a.m. CT. Download "Nicolet Bank Digital" app from your app store.

Will I need to re-enroll in Online Banking?

No, but you’ll need to complete a first-time login process. Begin using Nicolet Bank Digital for your online and mobile banking experience starting Monday, August 10, 2026 after 8:00 a.m. CT. Current users will need to complete the first-time log in process for either Desktop OR Mobile using your current MidWestOne online banking username and password.

What will happen with Bill Pay?

MidWestOne Bill Pay will be unavailable after 4:00 p.m. CT on Thursday, August 6. Scheduled payments will process and carry over to Nicolet Bank Digital. Starting Monday, August 10, log into Nicolet Bank Digital to resume Bill Pay and Zelle®.

Will I still be able to access my MidWestOne eStatements?

Downloading MidWestOne eStatements prior is strongly encouraged. Historical eStatements will  be limited and not immediately available.  Customers who enroll in eStatements will access  future statements and notices through Nicolet Bank Digital. All checking and savings accounts will receive a final statement from MidWestOne Bank as of Friday, August 7. eStatement customers will receive the final statement in the mail.

What will happen with my online banking account alerts?

Account and card alerts will need to be reestablished. Please make note of your current alerts to set up in the new system.

Will my password change for online and mobile banking?

No. You’ll continue to use your current MidWestOne username and password. During your first-time login to Nicolet Bank Digital, you’ll have the option to update your login information if you’d like.

How do I log in to Nicolet Bank Digital?

Begin using Nicolet Bank Digital for your online and mobile banking experience starting Monday, August 10, 2026 after 8:00 a.m. CT.

Please choose first-time login for either Desktop OR Mobile:

START: Click "LOGIN" at www.nicoletbank.com.
Enter your current MidWestOne online banking username and password.
VERIFY: Select "Text Me" below your mobile phone number. Enter code received in text message.
Review and accept Terms and Conditions.
RESET: To complete the process, you will need to update your password. Create and save new password by following screen prompts. Review and accept E-Sign Agreement. Select phone or email to confirm your contact information. Enter verification code received.

Mobile App

• Download the "Nicolet Bank Digital" app.
• Open and follow screen prompts.
• Delete the previous MidWestOne mobile app.

What will happen with person to person (Zelle®) transfers?

There are no changes. Zelle will be accessible via Nicolet Bank Digital, and customers will retain all contacts and p2p payment history for the past year.

Will customers be receiving new Nicolet National Bank debit cards?

Yes, all customers who currently have active debit cards (activity in the prior 12 months) will receive a new Nicolet National Bank Mastercard ® debit card prior to Saturday, August 8. Please activate your new card(s) by calling the number on the front of the card. Starting Monday, August 10 at 7:00 am CT, please begin using your new Nicolet Bank debit card and securely dispose of your old card.

Will MidWestOne debit cards and/or PIN numbers change?

Yes, Debit card numbers will change. Customers may establish the same PIN number they have today when they call to activate their new card. 

When will my MidWestOne debit cards stop working?

Monday, August 10.   Starting Monday, August 10 at 7:00 am CT, please begin using your new Nicolet Bank debit card and securely dispose of your old card. 

When will the new Nicolet National Bank debit cards start working?

Starting Monday, August 10 at 7:00 am CT, please begin using your new Nicolet Bank debit card and securely dispose of your old card.

When should customers activate their new Nicolet Bank Mastercard® Debit Card?

Please active your new debit card upon receipt.  All customers who currently have active debit cards (activity in the prior 12 months) will receive a new Nicolet National Bank Mastercard® debit card prior to Saturday, August 8. Please activate your new card(s) by calling the number on the front of the card. 

What will happen to recurring payments set up on my MidWestOne debit card?

Recurring payments will need to be updated, as debit card numbers will change. If you have automatic or recurring payments set up on your MidWestOne Mastercard debit card, be sure to update with the new Nicolet Bank Mastercard debit card information prior to August 10. Examples may include: streaming services, gym memberships, or subscriptions. 

Can I receive transaction alerts for activity on my new Nicolet Bank debit card(s)?

Yes, tap or click on "Cards" in Nicolet Bank Digital. Manage Card > Controls & Alerts.

Will I have access to Fee-Free ATMs with my new Nicolet Bank debit card?

Yes, Nicolet Bank ATMs are free with your Nicolet Bank debit card. Nicolet is also part of the MoneyPass(R) network.  Search for surcharge-free ATMs at www.moneypass.com.

Will Customers with ATM Only MidWestOne Cards receive an ATM Only Nicolet Card?

Nicolet Bank does not offer ATM-only cards. Customers will receive a standard Nicolet Bank debit card. If the card is linked only to a savings account, it will be limited to ATM use.

Will I receive a new Credit Card to replace my MidWestOne credit card account?

Possibly.  Elan, MidWestOne credit card partner, has the right to reissue a non-branded card to customers.  Customers will not automatically receive a Nicolet Bank Credit Card.

Will my MidWestOne Debit Card Work during Conversion Weekend?

Your MidWestOne Debit Card will continue to work over the conversion weekend of August 7, 2026. Starting Monday, August 10 begin using your new Nicolet Bank Mastercard debit card.

What’s happening with Business Deposit accounts?

Your current business deposit account will automatically convert on August 10, 2026. Your account number will remain the same and you will not need to complete any additional documentation.

How can Business Deposit account customers learn about upcoming changes?

This guide is designed to help MidWestOne business customers understand what their accounts will become at Nicolet National Bank. Please review the information to identify your new account following the conversion on August 10, 2026.

Is there impact or a process change for domestic wires?

No, the current process for wires will not change.

Is there an impact to international wires?

Yes, after August 7, MWO’s SWIFT code MIDWUS42 for international wires will no longer work. Customers should begin using the Nicolet Bank SWIFT Code NICTUS44 effective August 10, 2026.

When will the Business Deposit Terms and Conditions transition to Nicolet National Bank?

Business Deposit Terms and Conditions will transition to Nicolet National Bank effective August 10, 2026.

Can I still use my MidWestOne Business Checks?

If you have checks for the account, you may continue to use your current check stock until the MidWestOne Routing Number is retired in Spring 2027.

Will customers be receiving new Nicolet National Bank business debit cards?

Yes, all customers who currently have active MidWestOne business debit cards (activity in the prior 12 months) will receive a new Nicolet National Bank Mastercard® debit card prior to Saturday, August 8. Please activate your new card(s) by calling the number on the front of the card. Starting Monday, August 10 at 7:00 am CT, please begin using your new Nicolet Bank debit card and securely dispose of your old card.

Will MidWestOne business debit cards and/or PIN numbers change?

Yes, Debit card numbers will change. Customers may establish the same PIN number they have today when they call to activate their new card.

When will my MidWestOne business debit cards stop working?

Monday, August 10. Starting Monday, August 10 at 7:00 am CT, please begin using your new Nicolet Bank debit card and securely dispose of your old card.

When will the new Nicolet National Bank business debit cards start working?

Starting Monday, August 10 at 7:00 am CT, please begin using your new Nicolet Bank debit card and securely dispose of your old card.
 

When should customers activate their new Nicolet Bank Mastercard® Business Debit Card?

Please active your new debit card upon receipt. All customers who currently have active debit cards (activity in the prior 12 months) will receive a new Nicolet National Bank Mastercard® debit card prior to Saturday, August 8. Please activate your new card(s) by calling the number on the front of the card.

What will happen to recurring payments set up on my MidWestOne debit card?

Recurring payments will need to be updated, as debit card numbers will change. If you have automatic or recurring payments set up on your MidWestOne Mastercard debit card, be sure to update with the new Nicolet Bank Mastercard debit card information prior to August 10. Examples may include: vendor payments, shipping companies, subscription services, auto-reorders on supplies, etc.

Where can I learn more about business service changes?

Please visit the online Conversion Guide for Business for important information, next steps, and the latest FAQs, including details about accessing digital banking and preparing for upcoming changes.

Is Positive Pay affected?

No, however, as part of the integration, the notification email address used for Positive Pay alerts will be changing.

Current email address: PositivePay@MidWestOne.com

New email address (effective August 7, 2026): [email protected]

My company currently utilizes Remote Deposit Capture. How will my business users continue to use these services?

There are no changes to Remote Deposit Capture services. Questions may be directed to [email protected] or 855-451-4793.

Will my accounting software services like QuickBooks and Quicken® continue to connect?

Yes, there is no impact after conversion.

Important Action Item: Download eStatements Prior to August 7

Downloading MidWestOne eStatements prior is strongly encouraged. Historical eStatements will be limited and not immediately available. Customers who enroll in eStatements will access future statements and notices in Digital Banking for Business (fmr. MidWestOne).

Business checking and savings accounts will receive a final statement from MidWestOne Bank as of Friday, August 7. eStatement customers will receive the final statement in the mail.

Will there be downtimes for Digital Banking for Business over conversion weekend?

Yes. Digital Banking for Business will be temporarily unavailable after 8:00 p.m. CT on Friday. Beginning Monday morning at 8:00 a.m. CT, log in at nicoletbank.com > Login > Digital Banking for Business (fmr. MidWestOne).

What will happen with Digital Banking for Business?

All current MidWestOne Digital Banking for Business users will continue to use the same platform after conversion on August 10, 2026. However, log in has moved to nicoletbank.com > Login > Digital Banking for Business (fmr. MidWestOne).  Current Digital Banking for Business users can log in with the same username, password, and token, if applicable.

Digital Banking for Business will be temporarily unavailable after 8:00 p.m. CT on Friday, August 7 until Monday, August 10 at 8:00 a.m. CT.

Where should MidWestOne Digital Banking for Business current users log in on August 10?

Beginning Monday morning at 8:00 a.m. CT, log in at nicoletbank.com > Login > Digital Banking for Business (fmr. MidWestOne).

How do Digital Banking for Business current users log in on August 10?

Current MidWestOne Digital Banking for Business users can log in with the same username, password, and token, if applicable.

Where do current Bank for Business app users download the mobile app? Do I use the same mobile app?

Current MidWestOne Bank for Business app users will continue to utilize the same app they currently have, however the Bank name will change to Nicolet Bank - Business (MWO). Current users can log in with the same username, password, and token, if applicable, on Monday, August 10 after 8:00 a.m. CT.

What will happen with Business Bill Pay?

The bill pay service within Digital Banking for Business will remain the same. Payments and payees will be transferred. Bill Pay will be temporarily unavailable on Friday 8/7 at 8:00 p.m. CT through Monday 8/10 at 8:00 a.m. CT.

What are the important Business Bill Pay dates?

Bill Pay will be temporarily unavailable from Friday 8/7 at 8:00 p.m. CT through Monday 8/10 at 8:00 a.m. CT.

What about Business online eStatements?

Downloading MidWestOne eStatements prior is strongly encouraged. Historical eStatements will be limited and not immediately available. Customers who enroll in eStatements will access future statements and notices in Digital Banking for Business (fmr. MidWestOne).

Business checking and savings accounts will receive a final statement from MidWestOne Bank as of Friday, August 7. eStatement customers will receive the final statement in the mail.

What will happen with Business mobile deposit?

There will be no changes to business mobile deposit after conversion. Business mobile deposit will be temporarily unavailable from 12:00 p.m. CT Friday 8/7 through Monday 8/10 8:00 a.m. CT.

What will happen with my Digital Banking for Business alerts?

Account and card alerts will need to be reestablished. Please make note of your current alerts to set up in the new system.

Trust services are offered through Nicolet National Bank, a national bank with trust powers. Products and services offered are not insured by the FDIC or any other Federal Government Agency, not a deposit or other obligation of, or guaranteed by, any bank or its affiliates, subject to risks including the possible loss of principal amount invested.

Will my service team change?

No. Your service team will remain the same and will continue to manage your accounts. We are excited to bring even more resources and expertise as our Wealth team expands. We maintain our commitment to outstanding client service to you and your family. In addition, Nicolet holds trust powers in all fifty states, expanding our abilities to serve you in a fiduciary capacity as trustee, co-trustee, successor trustee, or estate/trust settlement administrator.

Will I receive information about my account(s) with the Trust Department?

Yes. Letters were mailed to Trust Department clients the week of July 13. This letter contains information about accounts, statements, online access, and the system integration "blackout" period.

When will the Trust system integration occur?

The system integration will start on Thursday, July 30, and we anticipate that the combined system will be fully operational beginning Monday, August 3. Our teams have been working behind the scenes and completing test integrations for months to minimize any client disruption during the system integration.

What is the "blackout" period during the system integration?

The "blackout" period is to ensure the complete and accurate combination of our systems. There will be no trades executed on July 30 or July 31. There will be no transactions of any kind on July 31. For any regularly scheduled transactions on July 31, they will be processed like "holiday transactions" and will be posted the business day before or after consistent with how the individual account is set up (i.e. what has happened in the past when there is a holiday).

Will online access be impacted during the "blackout" period?

Yes. Online access will be limited while systems are combined beginning July 30. We anticipate full access to return by August 5 (possible earlier).

Will my online login change?

No. All login credentials will remain the same.

Will the online access URL change?

For current Nicolet clients, the URL will not change. You may notice a temporary redirect and this is normal. For current MidWestOne clients, the URL will change. We will be contacting online users via email to provide the link to the new URL. You can also find the login page by navigating to www.nicoletbank.com, clicking "LOGIN" at the upper right corner, and selecting "Trust Online" from the first dropdown menu. If anything related to online access changes after the integration, we will contact users via email.

Will my account number(s) change?

No. Your account numbers will remain the same.

Will my account statements change?

No. Your account statements will remain the same. However, current Nicolet clients may receive an "extra" account statement in August. This is a normal part of the system integration process. Thereafter, you will continue to receive statements at your normal frequency. Current MidWestOne clients will continue to receive statements at your normal frequency, and the logo will change to Nicolet Wealth Management.

Will my 2026 tax reporting change?

No. All tax reporting for 2026 will remain the same.

If I have additional questions, who should I contact?

Please reach out to any member of your service team for any further questions.

Trust services are offered through Nicolet National Bank, a national bank with trust powers. Products and services offered are not insured by the FDIC or any other Federal Government Agency, not a deposit or other obligation of, or guaranteed by, any bank or its affiliates, subject to risks including the possible loss of principal amount invested.

What is different?

MidWestOne Bank’s privacy notice indicated that there is no sharing with affiliates for everyday business purposes and marketing. Nicolet’s privacy notice indicates that we do share with affiliates.

What is Nicolet’s affiliate?

Nicolet shares with Nicolet Advisory Services, LLC. Nicolet Advisory Services, LLC is a registered investment advisor.

How is information shared?

Nicolet uses one centralized CRM system. Customer information is stored in this system and is accessible by all departments of Nicolet. Because multiple divisions can view and use this information, it is considered sharing under privacy regulations. 

Sharing information in one internal system helps us keep accounts running smoothly, follow the law, and offer products and services. The purpose is to provide the best service possible, by providing all bankers access to critical information. We share info with our Nicolet teams for everyday banking, marketing services, and with partner companies.

Why does Nicolet share?

So that we understand our entire customer relationship. We don’t use the information for "cold calling". We use the information to make sure we are prepared to meet all of our customers’ banking needs.

If I want to opt out of information sharing, what should I do?

You can opt out by completing the form included in your privacy notice and mailing it to the address provided. You may also visit any MidWestOne branch, where our team will be happy to assist you and record your opt‑out request. If you choose to opt out, we may have a more limited view of your relationship, which can affect our ability to serve you effectively.