banco del estado de chile ( in english : bank of the state of chile ) , commercially operating under the brand bancoestado , is the only public bank in chile and was created by government decree in 1953 .

it provides financial services to consumers and companies , with a focus on national coverage in terms of geography and social sectors and a particular emphasis on the unbanked and small and medium enterprises , although it serves all types of businesses .

it is the country 's largest mortgage lender and largest issuer of debit cards .

in addition , bancoestado performs all of the chilean government 's financial activities through a single account managed by the general treasury of the republic of chile .

the bank was created by decree no. 126 of 1953 , which merged the national savings bank ( caja nacional de ahorros ) , mortgage credit savings bank ( caja de crédito hipotecario ) , agrarian credit savings bank ( caja de crédito agrario ) and industrial credit institution ( instituto de crédito industrial ) into a single institution .

by the end of 2009 , bancoestado was the third-largest bank in chile , covering all areas of the country via branches or delegate banking contact points called cajavecina ( spanish trade name roughly translatable as ' neighbourhood savings bank ' ) .

as of 2014 , the bank had 364 branches , 107 smaller offices ( serviestado ) , 3488 automated services ( atms , dispensers and letter boxes ) and 13,520 cajavecina contact points .

it is the only bank with presence in all municipalities in the country ( with the exception of antarctica ) , reaching geographically isolated areas where no other bank is present .

until 2014 , the bank reached 77 localities that had no other banking services since 2012 , global finance magazine has ranked bancoestado as the safest bank in latin america , while in 2015 it was ranked as the 48th-safest bank in the world ( 6th-safest in the southern hemisphere ) .

banco del estado de chile

below you can find the local branches for banco del estado de chile in chile .
banco del estado de chile and bnp paribas investment partners announce the launch of an asset . . .
entity : banco del estado de chile ( bancoestado ) or its successor , its subsidiaries and affiliates .
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bancoestado subsidiaries and affiliates : bancoestado centro de servicios s . a . bancoestado contacto 24 horas s . a . bancoestado corredores de seguros s . a . bancoestado s . a . administradora general de fondos bancoestado s . a . corredores de bolsa bancoestado servicios de cobranzas s . a . sociedad de servicios transaccionales cajavecina s . a . bancoestado microempresas s . a . asesorías financieras
entity : empresa de transporte de pasajeros metro s . a . ( metro ) or its successor , its subsidiaries and affiliates .
entity : televisión nacional de chile ( tvn ) or its successor , its subsidiaries and affiliates .
chile ' s programa de credito con aval del estado ( cae in its spanish acronym ) is uniquely positioned to help hundreds of thousands of qualified - but - financially - needy chileans attend and finish tertiary education . the cae program was designed to improve . . . exibir mais +
chile ' s state - guaranteed student loan program ( cae ) : programa de cred . . .
entity : empresa nacional del petróleo ( enap ) or its successor , its subsidiaries and affiliates .
entity : corporación nacional del cobre ( codelco ) or its successor , its subsidiaries and affiliates .
entity : empresa nacional de minería ( enami ) or its successor , its subsidiaries and affiliates .
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chile has 33 state - owned enterprises ( soes ) . all of them are commercial companies . the most relevant of them are the national copper company ( codelco ) ; the national hydrocarbons company ( enap ) ; the national postal system ( correos de chile ) ; the public tv station ( tvn ) ; and the state - owned bank ( banco estado ) . 30 of 33 chilean soes are non - listed in the stock exchange and fully owned by the government . the remaining three are majority owned . 10 chilean soes operate in the port management sector ; eight in the services sector , three in the defense sector , three in communications ( including ) , two in the water sector , two in transportation and four in the mining sector . the state also holds a minority stake in four water companies as a result of a privatization process . total assets of soes , excluding banco estado , amounted to usd 44 . 9 billion in 2014 . total assets of soes , including banco estado , amounted to usd 61 . 9 billion in 2014 . soes employed 49 , 229 people in 2014 .
the chilean banking system is sound , competitive , and meets basel standards . there are currently 24 banks operating in chile , and 4 are foreign - owned representational branches . only one bank is completely owned by chilean private shareholders ( bci ) . the rest have some level of incorporation with foreign institutions . there are also seven local savings and loan corporations , and one state - owned bank , banco estado , which is the nation’s third largest . private banks manage most corporate business .
chile has an investment chapter in the fta in force between chile and the u . s . since january 1 , 2004 .
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fdi to chile in 2015 represented 8 . 5 percent of chile’s gdp . total fdi stock from the u . s . stood at usd 27 . 6 billion in chile at the end of 2014 ( most recent information available ) .
most soes in chile fall under the supervision of the public enterprises system ( sep ) , which is the main ownership entity of the government responsible for overseeing soe governance , as well as exercising minority rights in four water companies . still , sep exercises this role for only 22 of the country’s 33 soes . two of chile’s most important soes fall outside of sep jurisdiction—codelco , the world’s largest copper producer , and enap , an oil exploration company . the 11 exceptions have their own supervisory structures but are still responsible to a separate government agency : codelco , enap and enami to the ministry of energy and mining , tvn to the ministry of the secretary - general of government , corfo and banco del estado to the ministry of treasury , and the three defense soes to the ministry of defense . all 33 soes are accountable to congress , the president and the general comptroller office . in accordance with oecd guideline 5c , all soes ( whether under seps authority or not ) are subject to an external independent audit with resulting information made publicly available . each soe under sep must have an internal audit committee , as recommended in oecd guideline 5b . chile’s public enterprises system website is the following :
chile ' s capital markets are well - developed and open to foreign portfolio investors .
there is general awareness of corporate social responsibility among both producers and consumers in chile .
chile has signed and ratified the organization of american states ( oas ) convention against corruption . chile is also an active member of the open government partnership ( ogp ) .
chile has signed and ratified both the un anticorruption convention and oecd convention on combatting bribery .
other treaties trough which chile grants bilateral or plurilateral investment protection include the laia treaty , the additional protocol of the pacific alliance and the brazil - chile cooperation and facilitation investment agreement .
real and intellectual property ( ip ) rights are generally respected , but chile is not fully compliant with the obligations concerning ip set forth in the u . s . - chile fta .
non - resident companies that invest in chile , irrespective of the form taken by the investment .
secured interests in property , both movable and real , are recognized and generally enforced in chile . chile ranked 56 out of 189 economies in the world bank’s 2015 doing business report for property registration .
chile is not a party to the government procurement agreement . it has only observer status under the agreement .
the chilean government enforces domestic labor , employment , consumer and environmental protection laws . there has been no dispute settlement cases against chile related to the labor and environment chapters of the free trade agreements signed by chile .
apart from the u . s . - chile treaty , chile has other seven double taxation treaties or conventions pending ratification with : argentina , china , czech republic , italy , japan , south africa and uruguay .
chile has 41 bilateral investment agreements in force , and 24 other investment agreements in force , including the investment chapters of the fta with the u . s . and other ftas signed by chile , the latin american integration treaty and the protocol of the pacific alliance . additionally , chile is a party to the convention of the world bank ' s multilateral investment guarantee agency ( miga ) . a u . s . - chile bilateral treaty to avoid double taxation has been ratified by chile , and is currently awaiting ratification in the u . s . senate .
individuals or legal entities not resident or domiciled in chile that plan to participate in companies as partners or shareholders .
no high - profile , controversial instances of corporate impact on human rights have occurred in chile in recent years .
persons not resident or domiciled in chile that open agencies or branches in the country or undertake activities through a permanent establishment .
the chilean state has never faced a dispute case from a foreign investor under chile’s dispute settlement systems in free trade agreements .
chile is a member of the international working group of sovereign wealth funds ( iwg ) and adheres to the santiago principles .
a bilateral investment agreement between chile and the united states , through the overseas private investment corporation ( opic ) , took effect in 1984 . chile is a party to the convention of the world bank ' s multilateral investment guarantee agency ( miga ) .
since 1991 , chile has been a member state to the international centre for the settlement of investment disputes ( icsid convention ) . in 1975 chile became a signatory to the convention on the recognition and enforcement of foreign arbitral awards ( 1958 new york convention ) .
chile is a coastal country located in the southwest region of south america . chile is an attractive destination for investors , boasting an open market economy , well - developed institutions that support financial growth and strong rule of law . the country has a positive disposition toward foreign direct investment ( fdi ) , viewing it as key to sustaining chile’s impressive economic trajectory over the last three decades . its laws and regulations encourage investment by foreigners and very few restrictions upon fdi exist . chile’s conversion and transfer policies are similar to those found in highly - developed countries like the u . s . the government does not apply performance requirements in reviewing proposed investment projects . chile ' s capital markets are well - developed and open to foreign portfolio investors , and the regulatory system in chile is generally transparent .
chile is an oecd member , but is not participating actively in the implementation of the oecd due diligence guidance for responsible supply chains of minerals from conflict - afflicted and high - risk areas . chile is not part of the extractive industries transparency initiative ( eiti ) .
other investment incentives have been introduced through the “chile competes plan . ” the plan includes an exemption from the income tax normally paid by institutional investors , such as mutual funds and pension funds , on earnings from the transfer of corporate stock that is publicly traded , or bonds or other publicly offered securities representing debt issued by the central bank of chile , the chilean government , or by companies incorporated in chile .
the government of chile has conducted an investment policy review in the context of the trade policy review published by the wto on june 2015 . the oecd has not conducted an investment policy review for chile since 1997 , and the country has not been covered by unctad´s investment policy reviews .
chile is classified as a country “of concern” in the bureau of international narcotics and law enforcement’s 2015 international narcotics control strategy report ( incsr ) .
chile and the united states have signed in 2010 the u . s . - chile treaty to avoid double taxation . the chilean congress ratified the treaty in september 2015 . in may 2012 , president obama submitted the treaty to the u . s . senate for ratification , which is pending .
chile does not have investment incentives that may lead waivers or derogations from labor laws in special economic zones ( also see section 15 - labor ) .
chile ' s programa de credito con aval del estado ( cae in its spanish acronym ) is uniquely positioned to help hundreds of thousands of qualified - but - financially - needy chileans attend and finish tertiary education . the cae program was designed to improve access to and equity in tertiary education . in 2010 , after only four years of operation , the program had 216 , 000 active borrowers or 23 percent of the 940 , 000 students in pre - grado . even as the annual number of new beneficiaries levels off , the portfolio will increase for the next several years until reaching a steady state with approximately 460 , 000 active borrowers by 2016 . this report is part of the 2010 joint studies program between the government of chile and the world bank . the purpose of the study is three - fold . first , to evaluate the impact of this program on access to and equity in higher education , taking into account the effectiveness of targeting qualified but financially needy students and its complementarities with other major student aid mechanisms . second , to understand the size of the economic commitment the chilean government has made with this program , both in terms of its investment to date and its contingent liabilities . third , to formulate recommendations for improvements going forward . the first chapter summarizes cae ' s legal framework and institutional arrangement , explains how the cae system functions , and describes the main characteristics of the loan product . the second chapter presents a brief overview of cae ' s structural cost according to current program design and briefly describes the model used to calculate cae ' s actual cost . the results of the latter are then included throughout the rest of the report as appropriate . the remaining parts of the chapter focus on cae ' s stakeholder ' s students , tertiary education institutions , financial entities , and the government of chile and explore and analyze the impact the cae program has had on them . the third and final focuses on recommendations for improving cae : increasing loan repayment rates , lowering capital costs of loan origination , and increasing the coordination of cae with other student aid programs . the end of the chapter then shows what the financial impact of these recommendations might be for the government of chile . exibir menos -
according to the imf’s coordinated direct investment survey ( cdis ) , u . s . fdi stock position in chile in 2014 amounted to usd 33 . 2 billion . the united states , the netherlands , spain and canada accounted for 42 % of chile’s inward fdi stock . the fifth largest source of fdi is bermuda , a tax haven , which suggests that the ultimate source of 5 . 4 % of chile’s inward fdi represented by bermuda might be elsewhere . chile’s outward direct investment stock in 2014 was concentrated in south america , where brazil , peru , colombia and argentina together represent 38 % of total chilean outward direct investment position .
the legal system of chile is based on civil law . the basis for its public law is the 1980 constitution which was most recently reformed in 2005 . chile’s legal and regulatory framework provides for effective means for enforcing property and contractual rights . laws governing issues of interest to foreign investors are found in several statutes , including the commercial code of 1868 , the civil code , the labor code and the general banking act . chile has specialized courts for dealing with tax and labor issues .
for over three decades , chile has made fdi an essential part of its national development strategy . chile ' s sound , market - oriented policies have created significant opportunities for foreign investors to participate in the country ' s steady economic growth . chile ' s business climate is generally straightforward and transparent . foreign investors receive treatment similar to chilean nationals and there are no overall economic strategies or policies that have discriminatory effects on foreign investors or foreign - owned investments . a broad political consensus on the advantages of foreign investment has meant that , despite having recently reformed its regulatory framework , the general orientation of chile ' s policies toward fdi has been maintained .
mediation and binding arbitration exist in chile as alternative dispute resolution mechanisms . a suit may also be brought in court under expedited procedures involving the abrogation of constitutional rights .
ratification of the trans - pacific partnership ( tpp ) would also improve the overall ipr protection in chile , including a reiteration of the obligation to implement upov 91 .
the oecd “regulatory policy in chile” report issued in april 2016 finds that chile has taken steps to improve its rule - making process , but still lags behind the oecd average in assessing the impact of regulations , consulting with outside parties on their design and evaluating them over time . the report criticizes that most regulators in chile prepare new norms without clear evidence that regulation is the best way to intervene . one of the main findings is chile’s lack of a regulatory oversight body , and the oecd report recommends the creation of one to oversee the rule - making process currently managed by different government departments . it also recommends that chile develop mandatory standards and guidelines for the preparation of laws and regulations , including compulsory consultation practices and forward planning . regulatory management tools such as regulatory impact assessments and ex - post evaluations are also recommended .
legal disputes can take several years to reach conclusion in the courts , making arbitration and mediation attractive alternatives for resolving business controversies . chile is a signatory to the 1958 new york arbitration convention and a member state to the international centre for settlement of investment disputes ( icsid ) ; disputes under the u . s . - chile bilateral free trade agreement ( fta ) are resolved under the latter framework . chile is compliant with its world trade organization agreement on trade - related investment measures ( wto / trims ) obligations .
chile has made progress in recent years , including in 2015 , to reduce processing times for patents , to increase ip enforcement actions , and reduce the rate of unlicensed software use .
chile’s corporate criminal liability law explicitly provides credit for corporate compliance programs by which corporations are obliged to prevent specific crimes like bribery . the corporate criminal liability law provides that corporate entities can have their compliance programs certified . chile’s securities and insurance superintendence ( svs ) authorizes a group of local firms to review companies’ compliance programs and certify them as sufficient . certifying firms are listed on the svs website . additionally , chile transparente ( chilean branch of transparency international ) developed a corruption prevention system to provide assistance to private firms to facilitate their compliance with the corporate criminal liability law .
chile is not listed in the ustr’s notorious markets list , neither as home to a physical market for counterfeit and pirated products , nor as a base for online sites that facilitate ipr infringement .
the government of chile recognizes the diversity of definitions for responsible business conduct , indicating the united nations’ río + 20 conference statements as its principal reference . the council on social responsibility for sustainable development , coordinated by chile’s ministry of economy , developed an action plan for 2015 - 2018 with 17 new measures to help bolster rbc , and is currently developing a national policy on social responsibility .
corruption exists in chile but on a much smaller scale than is the case with most latin american countries . chile has a favorable ranking of 23 out of 167 countries on transparency international’s 2015 corruption perceptions index . a presidential committee against corruption and conflicts of interest created in 2015 issued a report recommending an anticorruption agenda composed of 236 new measures , laws and regulations , of which nearly half has already materialized .
law no . 19 , 912 gives customs officials ex officio authority to detain goods entering chile , but only for five days ; after that , a formal seizure order is required to retain the goods .
unemployment in chile stood at 6 . 2 percent on average during 2015 . the labor participation rate was 60 percent as of december 2015 , when immigrants accounted for 4 . 2 % of the labor force . chilean workers are adequately skilled and some sectors such as mining , agriculture and fishing employ highly skilled workers . there is an adequate availability of technicians and professionals . data on informality is not available for chile at the ilo databases , but different estimations made by academics situate informal employment in chile , depending on the specific data and methodology utilized , between 10 % and 20 % of the non - agricultural workforce .
chile does not maintain any measures which it has notified the world trade organization are inconsistent with its trade investment measures ( trims ) requirements , and does not maintain measures alleged to violate the country’s trims obligations .
an estimated figure for seizures of counterfeit goods in chile coming from reports made by the national customs service , indicates that 2 , 200 , 000 pirated items were seized during the first 11 months of 2015 .
resolving insolvency has been made easier by a new legal and institutional framework , and as a result chile has moved up 14 places from 2014 to 2015 in world bank’s doing business report’s ranking for this particular area .
under the u . s . - chile fta , u . s . insurance firms have full rights to establish subsidiaries or joint ventures for all insurance sectors , with limited exceptions . a program was undertaken to phase in insurance branching rights and to modify chile’s legislation to open cross - border supply of key insurance sectors such as marine , aviation , and transport insurance , and insurance brokerage of reinsurance . u . s . banks and securities firms are allowed to establish branches and subsidiaries and may invest in local firms without restriction , except under very limited circumstances . u . s . financial institutions are also able to offer financial services to citizens participating in chile ' s privatized voluntary saving plans , and they have gained increased market access to chile ' s mandatory social security system . u . s . - based firms are allowed to offer services in chile in areas such as financial information , data processing , and financial advisory services , with limited exceptions . under the measures outlined in “capital market reform iii , ” chilean mutual funds are permitted to use foreign - based portfolio managers .
political violence is rare and unlikely to affect foreign investors , but there is one region in the south of chile where violence episodes linked to land disputes between indigenous groups and farmers and forestry businesses are becoming more frequent .
non - resident individuals in chile as company representatives , tourists and international officials and their accompanying family members and other non - residents if they invest in the country through , for example , the acquisition of real estate .
national arbitration law in chile includes the civil procedure code ( law num . 1552 , modified by law num . 20 . 217 of 2007 ) , and the law num . 19 . 971 on international commercial arbitration .
in general terms there is no distinction regarding foreign ownership in the availability of subsidies for research and development . under chile’s r & d law , there is a tax incentive for private investment on research and development , designed for “chilean entities” , which means that they have to pay corporate income tax in chile and use standard accounting systems . however , these beneficiaries can be chilean branches of foreign companies , or chilean firms owned by foreign capitals .
for an individual or legal entity wishing to undertake an economic activity in chile , the first step is to obtain a tax identification number or rut ( its spanish acronym ) from the internal tax service ( sii ) . applications can be submitted at any of the sii’s offices around the country ( see www . sii . cl ) . a rut , which must be held by all taxpayers in chile , is required for foreign investors in the following cases :
chile’s regulation ensures that capital markets are well developed and open to both foreign portfolio investment and fdi . in may 2000 , chile eliminated the one - year withholding period requirement for foreign capital entering the country under chapter xiv . this type of investment capital may now be repatriated immediately without penalty . also in 2000 , chile ceased to implement capital controls on short - term inflows , known as “encaje , ” which required foreign investors to deposit 30 percent of foreign - sourced loans and portfolio investment with the central bank in a non - interest - bearing account for up two years . however , the central bank reserves the right to re - impose this mechanism if needed in the future .
according to unctad’s database urltoken , chile has other investment treaties with 29 countries , of which 24 are in force . apart from u . s . - chile fta , chile’s other ftas with investment chapters are the agreements signed ( in chronological order ) with : venezuela , bolivia , colombia ( 1993 agreement ) , mercosur , canada , mexico , the central american common market , the european union , the european free trade association , india , the p - 4 parties ( brunei darussalam , new zealand and singapore ) , china , panama , peru , colombia ( 2006 agreement ) , japan , ecuador , australia , turkey , malaysia , viet nam , hong kong , and thailand .
article 17 . 6 . 1 ( a ) ( non - commercial assistance ) , with respect to the production and sale of a good in competition with a like good produced and sold by a covered investment in the territory of chile .
independent ngos in chile promote and monitor freely rbc . examples include ngo acción rse : urltoken , and the catholic university of valparaiso’s center for social responsibility and sustainable development ( vincular ) , prohumana foundation and the andrés bello university’s center vitrina ambiental .
there is growing awareness of the importance of responsible business conduct ( rbc ) in chile . the government has recognized a number of ‘soft law’ instruments related to rbc and developed national action plans related to business social responsibility , sustainable development and human rights .
with respect to article 17 . 6 . 1 ( a ) ( non - commercial assistance ) , the entity may receive non - commercial assistance with respect to the production and sale of mineral resources or by - products in the territory of chile .
at nyu molly is focusing on human rights and development , taking such classes as law and development , transitional justice and the international organizations clinic . furthermore , molly worked as a research assistant for grainne de burca , investigating the role that civil society has played in the implementation of the united national convention on the rights of persons with disabilities and completed two term time internships working both for the institute for justice and democracy in haiti and the international centre for transitional justice . molly is particularly interested in the relationship between economic policies , human rights and development . she co - authored a report on the influence of the international monetary fund on the social protection policies of countries with whom the imf work and assisted with a research project , for the centre for economic and social rights , on the meaning of ‘maximum available resources’ .
the government encourages foreign and local enterprises to follow generally accepted rbc principles . chile adhered in 1997 to the oecd guidelines for multinational enterprises , and has recognized four other “soft law” instruments related to rbc : the ilo tripartite declaration of principles concerning multinational enterprises and social policy ; the united nations guiding principles on business and human rights ; un global compact’s ten principles ; and the iso 26000 guidance on social responsibility . chile is in the process of developing a national action plan on business and human rights based on the guiding principles .
the extent of corruption in chile is relatively limited : chile ranked 23rd out of 167 countries in transparency international’s 2015 corruption perceptions index ( with 70 out of 100 maximum score ) , two places below uruguay and above all other countries from latin america . however , a series of corruption scandals related to tax fraud and campaign financing during 2015 , which involved major firms and politicians across the spectrum , has caused concern . investigation and prosecution of these cases remains ongoing , and criminal and civil charges against those implicated have been pursued .
fdi is subject to pro forma screening by chile ' s apie . businesses in general do not consider that such screening mechanisms constitute a barrier to investment , because approval procedures are expeditious and , with the exception of a few sensitive sectors , all investments are approved .
neither chile ' s foreign investment promotion agency nor the central bank applies performance requirements in its review of proposed investment projects . the investment chapter in the u . s . –chile fta establishes rules prohibiting performance requirements that apply to all investments , whether by a third party or domestic investors . the fta investment chapter also regulates the use of mandatory performance requirements as a condition for receiving incentives and spells out certain exceptions . these include government procurement , qualifications for export and foreign aid programs , and non - discriminatory health , safety , and environmental requirements .
under the u . s . - chile fta ' s investment chapter , there have not been any claims that reached beyond the initial consultations stage . no cases where the claimant is from the u . s . and the respondent is chilean are recorded in the icsid website .
francisco de abreu duarte obtained his bachelor of laws degree from university of lisbon in 2015 , where he graduated summa cum laude as the top student of his class . during his time as a student , francisco actively participated in several research projects as an assistant researcher of the lisbon centre for research in public law ( cidp - ul ) on projects related to global administrative law , international law and eu law , and participated in several moot courts such as the jean - pictet moot court competition on international humanitarian law ( 2015 ) and the philip c . jessup international law moot court competition ( 2014 ) . after his graduation , he began his academic career publishing papers on international affairs related to responsibility to protect , global rule of law and the principle of autonomy of the european union , and served as a coach of the portuguese teams to the jessup cup in 2015 and 2016 .
with some exceptions , chile has a relatively strong intellectual property regime , as a result of successive amendments to its legal structure . according to the world intellectual property organization ( wipo ) country profile study , chile has modified its ip law several times during the past two decades , strengthening ip protection significantly by adapting the national legislation to the standards set forth in the trips agreement and several free trade agreements signed by the country . the last amendment to chile’s ip law entered into force in february , 2012 , and incorporated certain provisions agreed by chile through the signature of the trademark law treaty ( tlt ) and the patent cooperation treaty ( pct ) . according to the u . s . chamber of commerce’s international ip index , chilean legislation provides for fair and transparent use of compulsory licensing ; legal measures provide necessary exclusive rights to copyright holders and voluntary notification system ; and there are civil and procedural remedies in legislation . however , pharmaceutical and agrochemical products suffer from relatively weak patenting procedures , the absence of an effective patent enforcement and resolution mechanism , and some gaps in regulation governing data protection . the framework to promote action against online piracy , as well as trade secret protection , is considered insufficient . furthermore , despite obligations in the bilateral fta , chile still has not passed legislation to outlaw the theft of encrypted program - carrying satellite signals , which is a serious problem in the country .
chile has been included on the special 301 priority watch list ( pwl ) since january 8 , 2007 , and remains on the 2016 priority watch list . the main challenges are related to concerns regarding longstanding ipr issues under the u . s . - chile free trade agreement and addressed by the recently finalized negotiations of tpp : the implementation of protections measures against circumvention of technological protection measures and protections for encrypted program - carrying satellite signals ; remedies for rights holders and satellite and cable service providers , including measures related to decoder boxes ; pending implementation of upov 91 ; the implementation of an effective system for addressing patent issues expeditiously in connection with applications to market pharmaceutical products ; adequate protection for undisclosed data generated to obtain marketing approval for pharmaceutical products ; and amendments to chile’s internet service provider liability regime to permit effective action against internet piracy .
in january 2011 , the ministry of economy , through corfo , established a usd 40 million program , known as “startup chile , ” whereby selected entrepreneurs receive a usd 40 , 000 grant and a chilean work visa to develop a “start up” business in chile . upon admittance into the program , an entrepreneur is given six months to develop a project and then promote it through a series of pitches and seminars at local universities , corporate meetings and other community outreach . on january 2015 , the program launched the call for its 12th generation , with 100 new vacants .
rights to the broad range of private ownership and establishment are observed in chile . mineral , hydrocarbon , and fossil fuel deposits within chilean territory are restricted from foreign ownership , but may be licensed by the government to private enterprise . in practice , the government does not expropriate assets or holdings .
chile’s legal framework for attracting and protecting foreign direct investment ( fdi ) is solid . a new institution in charge of attracting foreign investment , the foreign investment promotion agency ( apie ) , was created to replace the foreign investment committee ( ciechile ) , the former fdi authority . chile’s 2014 tax reform derogated a law that created tax invariability schemes for foreign investors , as well as a tax benefit for mergers through acquisitions . however , virtually all the rest of previous guarantees for fdi remained in place , and these changes have been implemented with transition periods and respect for previously concluded investment contracts .
the legislation process in chile allows for public hearings during discussion of draft bills in both chambers of congress . draft bills submitted by the executive branch to the congress are readily available for public comment . this has also been the case for the legislation that replaced the decree law 600 regulating foreign investment .
in 2015 , chile approved law n° 20 . 848 , in force since january 1 , 2016 , which establishes a new institutional framework for foreign investment . its stated aim is to transition from a “passive fdi reception policy” to an “active fdi attraction policy . ” law n° 20 . 848 derogates and replaces law decree 600 ( dl 600 ) , which had been the main regulatory norm for fdi in chile for the last 40 years and under which foreign investors could sign contracts with the government of chile ( goc ) establishing investment terms . law n° 20 . 848 creates the obligation for the president to decide on a log - term fdi attraction strategy , with the advice from a ministers committee . the foreign investment promotion agency ( apie ) , created by the new law as the legal successor of the foreign investment committee ( ciechile ) , will implement the national fdi in coordination with provincial authorities .
in the specific index for quality of land administration ( which includes reliability of infrastructure , transparency of information , geographic coverage and land dispute resolution ) , chile obtains a score of 15 out of 30 . there are no restrictions to foreign and / or non - resident investors regarding land lease or acquisition .
since 2013 , opic has partnered with u . s . solar energy developers to finance five large - scale power facilities throughout the atacama desert in northern chile . other opic - financed projects in the country include the run - of - river hydropower project alto maipo , and the toll road vespucio norte express .
there are no limits on foreign ownership or control of firms in chile ; foreigners can hold up to 100 % of an enterprise’s ownership . there are no time limits for the property rights acquired by foreigners to remain in force . there are no restrictions on foreign ownership of buildings and land , with the only , national security - related , exception of land located in border territories , which may not be owned by nationals of border countries , or by juridical persons which have their head office in such country or are owned 20 percent by nationals of such country , or controlled by them , unless prior authorization of the president of chile .
arbitration and mediation are attractive alternative dispute mechanism for resolving business controversies because litigation can take several years to reach a conclusion . rule of law and governance are strong within chile . generally , judgments and arbitral awards , including international judgments and awards , are recognized and enforced in chile without issues . however , chilean courts apply the rules of the international commercial arbitration act , which means that the supreme court may refuse to recognize an arbitral award issued abroad if the award has not yet become binding on the parties , or has been set aside or suspended by a court of the country in which , or under the law of which , that award was made .
in general , private enterprise is allowed to compete with public enterprise under the same terms and conditions ( e . g . , there are many private copper mines and private banks ) . however , there are specific areas where this does not hold and soes enjoy special advantages . for example , enap is the only refining company in chile .
chile has 26 double taxation treaties in force with : australia , austria , belgium , brazil , canada , colombia , croatia , denmark , ecuador , france , ireland , malaysia , mexico , new zealand , norway , paraguay , peru , poland , portugal , russia , south korea , spain , sweden , switzerland , thailand and the united kingdom .
chile has and generally enforces laws and regulations in accordance to the internationally recognized labor rights of : freedom of association and collective bargaining ; the elimination of forced labor ; child labor , including the minimum age for work ; discrimination in respect to employment and occupation ; and acceptable conditions of work related to minimum wage , occupational safety and health , and hours of work . the maximum number of labor hours allowed per week in chile is 45 . the national minimum wage is nearly usd 350 a month for all occupations , including domestic servants , more than twice the official poverty line . there are no gaps in compliance with international labor standards that may pose a reputational risk to investors . see more at : urltoken
as an oecd member , chile adheres to the oecd guidelines on corporate governance for soes . according to the world bank ' s 2014 publication “corporate governance of state - owned enterprises in latin america : current trends and country cases” , chile has made significant progress in the harmonization of standards across soes in the areas of information disclosure , accounting provisions , and auditing . each soe submits an annual report and has the obligation to publish quarterly management reports . all soes are required to have internal auditors and are subject to an annual external audit by independent auditing firms . all soes are headed by a board of directors and there is a clear definition and division of the roles played by the soe board and the ceo .
with respect to article 17 . 6 . 1 ( a ) ( non - commercial assistance ) , the entity may receive non - commercial assistance with respect to the production and sale of energy products , such as hydrocarbon products or electric power from any source of generation , for the purpose of ensuring adequate power supply in remote or underserved areas of chile .
some private sector representatives think that chile does not , in fact , have an open public consultation process on draft bills before they are submitted to congress , and any change to them once already in congress is more difficult . some open comment periods for new draft bills have reportedly taken place without real access to the text and did not sufficiently allow for a technical debate .
in 2014 , the ministry of environment published a handbook for sustainable public procurement . chilecompra , the agency in charge of centralizing chile’s public procurement , which amounts to 3 . 5 % of gdp incorporates , as part of its criteria for assignment of public purchases , the existence of a clean production certificate and an iso 14001 - 2004 certificate on environmental management , among others .
scope of non - conforming activities : with respect to article 17 . 4 . 1 ( a ) ( non - discriminatory and commercial considerations ) and article 17 . 4 . 1 ( b ) , the entity may accord preferential treatment to enterprises in the territory of chile in up to 10 per cent of the total value of its annual purchases of goods and services .
scope of non - conforming activities : with respect to article 17 . 4 . 1 ( a ) ( non - discriminatory treatment and commercial considerations ) and article 17 . 4 . 1 ( b ) , the entity may accord preferential treatment to enterprises in the territory of chile in up to 10 per cent of the total value of its annual purchases of goods and services .
foreign investors are not required to seek a ruling before investing on the potential competition implications of a planned investment . chile’s anti - trust law , the chilean free competition act ( 1973 ) , prohibits mergers or acquisitions that would prevent free competition in the industry at issue . an investor may voluntarily seek a ruling by an antitrust court that a planned investment would not have antitrust implications .
the judicial system in chile is generally transparent and independent . the likelihood of government intervention in court cases is low . if a state - dependent firm is involved in the dispute , the goc may become directly involved through the state defense council . in cases where courts determine a firm is bankrupt , a receiver is named to distribute the debtor ' s remaining assets to the creditors .
with respect to article 17 . 4 . 1 ( a ) ( non - discriminatory treatment and commercial considerations ) , and article 17 . 4 . 1 ( c ) ( i ) , the entity may accord preferential treatment in its sales of energy products , such as hydrocarbon products or electric power from any source of generation , to consumers in remote or underserved areas of chile .
scope of non - conforming activities : with respect to article 17 . 4 . 1 ( a ) ( non - discriminatory treatment and commercial considerations ) and article 17 . 4 . 1 ( b ) , the entity may accord preferential treatment in its purchases of energy products , such as hydrocarbons or electric power from any source of generation , for resale in remote or underserved areas of chile .
chile has a free floating ( flexible ) exchange rate system . exchange rates of foreign currencies are fully determined by the market . the central bank reserves the right to intervene under exceptional circumstances to correct significant deviations of the currency from its fundamentals , so the chilean system is sometimes called “dirty float . ” in practice , however , this right to intervene is used sparingly ( if at all ) .
according to the world bank’s doing business report , this new insolvency framework has resulted on chile making significant progress in making resolving insolvency easier . the country had the worst rating relative to the rest of the world in this area of the report and , as a consequence , it was where the bigger change in ranking was achieved ( from 72 nd place in 2014 to 58 th place in 2015 ) .
chile does not subsidize foreign investment . there are , however , some incentives linked to isolated geographical zones and to the information technology sector . these benefits relate to co - financing of feasibility studies as well as incentives for the purchase of land in industrial zones , the hiring of local labor , and the facilitation of project financing . other important incentives include accelerated depreciation accounting for tax purposes and legal guarantees for remitting profits and capital .
in 2011 , chile made business start - up easier by introducing an online system for registration and for filing the request for publication and , in 2014 , it created a new online system for business registration . since 2012 , an immediate temporary operating license is provided to new companies , eliminating the requirement for an inspection of premises by the tax authority before new companies can begin operations and allowing free online publication of the notice of a company’s creation .
during 2014 , 214 legal strikes took place in sectors where collective bargaining is permitted ( nearly two times the number of strikes in 2005 ) , and 41 , 939 workers were involved in total ( nearly four times the number of workers participating in 2005 ) . strikes have been concentrated in the manufacture industry and commercial , education and transportation service sectors . as legal strikes in chile have a restricted scope and duration , they have not supposed a risk for foreign investment .
remittances of profits generated by investments can be made any time after tax obligations are fulfilled ; remittances of the capital can be made after one year since the date of entry into the country . in practice , this one - year permanency requirement for capital has not constituted a restriction for productive investment , because normally projects need more than one year to mature . under the investment chapter of the u . s . –chile fta , the parties must allow transfers of covered investments to be made freely and without delay into and out of its territory . these include transfers of profits , royalties , sales proceeds , and other remittances related to the investment . however , for certain types of short - term capital flows , this chapter allows chile to impose transfer restrictions for up to 12 months as long as those restrictions do not substantially impede transfers . if restrictions are found to impede transfers substantially , damages accrue from the date of the initiation of the measure .
chile has negotiated numerous bilateral investment treaties ( bits ) . according to icsid , chile had signed 55 bits , of which 41 are in force to date . there are agreements in force with argentina , australia , austria , belgium and luxembourg , bolivia , china , costa rica , croatia , cuba , czech republic , denmark , ecuador , el salvador , finland , france , germany , greece , guatemala , honduras , iceland , italy , malaysia , nicaragua , norway , panama , paraguay , peru , philippines , poland ( 2 treaties ) , portugal , romania , south korea , spain , sweden , switzerland ( 1999 treaty ) , ukraine , the united kingdom , uruguay ( 2 treaties ) , and venezuela . bits signed but not in force include those with brazil , colombia , dominican republic , egypt , hungary , indonesia , lebanon , netherlands , new zealand , south africa , switzerland ( 1991 treaty ) , tunisia , turkey and vietnam .
since 1958 , chile has been party to the convention on the recognition and enforcement of foreign arbitral awards ( new york convention ) . it is also party to ( i ) the pan - american convention on private international law ( bustamante code ) since 1934 ; ( ii ) the inter - american convention on international commercial arbitration ( panama convention ) since 1976 ; and ( iii ) the washington convention on the settlement of investment disputes between states and nationals of other states since 1992 .
some employers view chile’s labor laws as cumbersome . the government submitted a labor reform bill in 2015 that has been approved by both chambers of the chilean congress , but as of the publication date of this report the government was still determining how to move forward after a ruling by the country’s constitutional court invalidated a portion of the law . the reform will extend collective bargaining to more employees , limit replacement or workers during strikes , and strengthen the negotiating position of unions in the collective bargaining process .
individuals and legal entities not resident or domiciled in chile who invest there in order to obtain income by buying and selling shares in listed corporations , fixed - income instruments , instruments of financial intermediation and quotas in mutual funds or through certain contracts can use a simplified mechanism for obtaining a rut through institutions that act as custodians . if a custodian is not used , investors may obtain a rut through their stockbrokers . more information on the next steps to start a business can be found here : urltoken
limited expropriations in chile have occurred typically as a consequence of infrastructure and urban projects . article 19 . 24 of the constitution establishes that expropriations can take place only under a general or special law authorizing expropriation for public purpose or national interest reason . courts can hear on claims by those affected by expropriations , who have the right to cash compensation for their loss , either upon agreement with the state or by decision from the courts . law decree . nº 2186 of 1978 regulates the compensation procedures .


founded in 1991 , first bank and trust is a new orleans-based independent bank with branch locations across the gulf coast .

the main office is located in downtown new orleans inside the first bank and trust tower first bank and trust has branches located in louisiana in new orleans , metairie , algiers , kenner , harahan , covington , harvey , baton rouge , amite , greensburg , hammond , and lafayette .

additionally , first bank and trust serves mississippi with branches in biloxi and gulftport .

home mortgage offices ( fbt mortgage , llc ) , covering southeast louisiana .

first bank and trust 's parent company , first trust corporation , also holds affiliated subsidiaries fbt investments , fbt advisors and first insurance agency .

first bank and trust is state chartered and federal deposit insurance corporation-insured with approximately $ 925 million in assets .

first bank and trust

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2001 - first state bank & trust co . adds 28 , 800 square feet
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2006 - first state bank & trust co . celebrates 50 years of service to fremont
2013 - first state bank & trust co . begins providing in - house investment services and launches first state financial services .
first trust bank online banking is an easy , simple and convenient way to manage your finances .
first bank and trust is very proud of our board of directors . as business leaders and community advocates , their entrepreneurial background is embedded in the mind , spirit and attitude of every first bank and trust employee .
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first state bank & trust company ' s mission is to satisfy customers , guarantee quality products and provide professional service .
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first trust bank online banking is available from 7am until 3am 365 days a year for you to manage your finances .
2005 - first state bank & trust co . dedicates james h . moore jr . board room in honor of jim ' s 50 years of service to the bank
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first bank & trust ( fb & t ) is part of byline bank ( byline ) and operates as a division of byline . any reference to fb & t should be deemed to be a reference to byline .
we ' re excited to announce that first bank & trust is now part of byline bank . together , we ' re better . the same commitment to our customers and the community , with greater resources to serve you .
customers who hold a cash isa account will not be able to transfer funds into this account online . lodgements can only be made at a first trust bank branch .
investment management solutions provided by first merchants private wealth advisors may not be fdic insured , are not deposits of first merchants bank , are not guaranteed by any federal government agency , and may lose value . investments are not guaranteed by first merchants bank and are not insured by any government agency .
as an additional layer of security , for some of our services , you will be required to validate these transactions with either a card reader ( if you hold a first trust visa debit card ) or code card ( if you do not hold a first trust bank visa debit card ) .
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investing in fremont . . . it ' s more than our tagline . it ' s what we at first state bank & trust will continue to live and believe in for the coming years .
waypoint bank offers reliable and innovative banking through people you know and trust . in simple terms , we give you the answers straight and stick to our word – in person and online .
chicago - - ( business wire ) - - byline bancorp , inc . ( nyse : by ) , the holding company of byline bank , today announced that it has completed its acquisition of first evanston bancorp , inc . ( “first evanston” ) , the parent company of first bank & learn more
the information and materials contained in these pages - and the terms , conditions , and descriptions that appear - are subject to change . not all products and services are available in all geographic areas . your eligibility for particular products and services is subject to final first bank & trust company determination and acceptance . investment products are not obligations of or guaranteed by first bank & trust company . investment services are not bank deposits or insured by the fdic or any other entity , and are subject to investment risks , including possible loss of the principal amount invested .
as a locally managed community and commercial relationship bank , first bank & trust is committed to helping owner - operated businesses , nonprofit organizations , and individuals achieve their financial goals . together we can encourage economic growth and development throughout chicago , the north shore , and beyond . it is our mission to be the most responsive and the most responsible bank in the communities we serve . visit fb & t at our bank branches in evanston , skokie , naperville , itasca , liberyville and winnetka .
secure messaging allows you to conveniently and securely send a query to the bank .
banking products are provided by synovus bank , member fdic . synovus bank , nmls # 408043 , is an equal housing lender .
the freedom and flexibility to bank whenever you need to , from wherever you are .
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this email address ( alert @ urltoken ) is a collection point for notifications of potential online fraud ( for example if you receive an email that appears to be from first trust bank or aib , which you believe to be bogus ) .
ssi is a subsidiary of synovus financial corp . and an affiliate of synovus bank , and stc is a subsidiary of synovus bank . you can obtain more information about ssi and its registered representatives by accessing brokercheck .
notice : first state bank & trust company , inc . is not responsible for and has no control over the subject matter , content , information , or graphics of the web sites that have links here . the portal and news features are being provided by an outside source - the bank is not responsible for the content . please contact us with any concerns or comments .
transfer money between your own accounts and to any bank or building society account in the uk .
in no event will first bank & trust company be liable for any damages , including without limitation direct or indirect , special , incidental , or consequential damages , losses or expenses arising in connection with this site or use thereof or inability to use by any party , or in connection with any failure of performance , error , omission , interruption , defect , delay in operation or transmission , computer virus or line or system failure , even if first bank & trust company , or representatives thereof , are advised of the possibility of such damages , losses or expenses . hyperlinks to other internet resources are at your own risk ; the content , accuracy , opinions expressed , and other links provided by these resources are not investigated , verified , monitored , or endorsed by first bank & trust company .
please note that first trust bank never request any login or personal details via email . if you have received an email asking for your online banking / ibusiness banking details please forward the email you received to alert @ urltoken and then immediately delete the email . do not click on any links in the email .
the below table compares the services available on online banking against our other online services and ways to bank .
at first bank & trust , we empower you to take control of your finances with reliable banking resources . we even share firsthand advice from our team members in their respective areas of expertise . we have information on personal banking , mortgages , and everything in between . search helpful articles , how - to guides , and financial calculators .
approval of any bank product or service is not contingent upon purchasing insurance from synovus bank . insurance products marketed through synovus and its affiliated companies are underwritten by insurance companies not affiliated with synovus .
if you need to withdraw money from your cash isa account online , you can do so provided you have made a lodgement to the account in the previous or current tax year . if this is not the case you will need to visit a first trust bank branch to make this withdrawal .
byline bancorp , inc . announces receipt of regulatory approval for acquisition of first evanston bancorp , inc .
byline bancorp , inc . ( nyse : by ) ( the “company” or “byline” ) and first evanston bancorp , inc . ( “first evanston” ) today jointly announced the receipt of the required regulatory approval from the illinois department of financial and professional regulation learn more
identity theft can happen to anyone , and the risks are high . attempting to prevent and resolve identity fraud issues on your own can be complicated and overwhelming . that’s why first bank & trust has partnered with kroll , the world’s leading risk consulting company , to offer you three great levels of id theftsmart – tier 1 , tier 2 , and tier 3 . learn more about this great product and find out how to sign up .
first merchants provides third party links for your convenience . first merchants is not responsible for the products , services , content , privacy policy , and security policy on third party websites . you can click cancel now to stay on the current page .
at waypoint bank , we greet you with a smile , then roll up our sleeves to make things work for you . you’ll find everything you need in a bank , right here .
first trust bank is a trade mark of aib group ( uk ) p . l . c . ( a wholly owned subsidiary of allied irish banks , p . l . c . ) , incorporated in northern ireland . registered office 92 ann street , belfast bt1 3hh . registered number ni018800 . authorised by the prudential regulation authority and regulated by the financial conduct authority and the prudential regulation authority .
built on a foundation of community , first bank & trust continues to promote local banking . when you open an account at a location near you , you’ll work with a banker who understands the needs of customers , like you , in your area . this idea of independent community banking stems from a long history of upholding family ideals and always delivering the best products possible .
investment products and services provided by synovus are offered through synovus securities , inc . ( ssi ) a registered broker - dealer and member finra / sipc , synovus trust company , n . a . ( stc ) , globalt , a separately identifiable division of stc and creative financial group , a division of ssi . trust services for synovus are provided by stc .
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we have been in business for 60 years as fremont ' s only 100 % locally - owned community bank . we began our work in fremont in 1956 and take pride in the role we have played in the growth of our community . moreover , we are deeply grateful for the trust and support we have received from you , our customer and friend , over the past half - century .
we will respond to your query within 24 hours ( 9am to 5pm , monday to friday , excluding bank holidays ) .
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being a family - owned bank with friendly , knowledgeable bankers who truly care for you and the community , gives us a competitive edge . let waypoint be your guide to financial success .
an estatement is an electronic version of your printed bank account or credit card statement . estatements will be available online for up to seven years for bank accounts . you will be able to view your credit card estatements issued on or after 6 november 2014 for up to seven years , and / or you can download and save these on your computer or device if you prefer .
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we would like to share with you that our commitment to making fremont a progressive and caring place to live and raise a family is of paramount importance to the board of directors , officers and staff of first state bank & trust company . we have an unwavering dedication to take excellent care of our customers . we also have a strong tradition of supporting the fremont community . our bank associates continue to be the people who volunteer in community churches and schools , serve on area boards and committees and participate in the leadership of fremont . you may see us building houses for habitat for humanity , supporting legion baseball , volunteering at linden elementary school ( our partner - in - education ) or archbishop bergan catholic elementary school ( our corporate companion ) , ringing bells for the salvation army , raising funds for the ymca , encouraging the progress at midland university or collecting hats and mittens for the low income ministry . while it is impossible to represent all of the causes we care about , know that strengthening fremont and its citizens is our focus .
our bankers will support you and your business with vision and the resources to back it up .
we’re committed to and focused on our clients , giving them a flexible and easy to manage program .
you deserve more than just a bank . you deserve a lasting relationship with a local decision - maker who always has your best interests at heart . learn more ›
synovus is the bank of here . we ' re proud to serve communities across the southeast – from major cities to main - street hometowns . stop by your local branch and let us help with all your financial needs .
if you plan to transfer money to another bank or building society , or pay any credit card , store card or finance bills , you will require a card reader or code card .
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find details of specific current security threats to our online and mobile banking customers and alerts that you should be aware of .
alternatively , you can download and complete the paper application and post this to your local branch . once your form has been received and validated , your registration details will be sent to you .
the service is available to personal customers ( aged 12 and over ) , personal business customers and partnerships . once registered for online banking , you can also use our mobile and phoneline banking services .
important : before entering this site please take time to read our site legal notice and privacy statement . by proceeding further you are deemed to have read and accepted our site legal notice and privacy statement .
the 21st century brings many new and exciting changes to the banking industry . we could promise you that the continued emergence of internet banking will help you manage your money and conduct your banking 24 - 7 . we could also share that products like health savings accounts could change the face of health care spending . first state ' s vision , however , remains constant . . . continue to provide you with the highest level of customer service , the latest technology and innovative products .
* our business hours are monday to friday from 9am to 5pm , excluding bank holidays . although we aim to provide you with a decision within 3 business hours , this period may be extended for technical or other legitimate reasons .
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the mississippi delta region comprises much of coastal louisiana and adjacent mississippi , stretching from the atchafalaya bay on the west to the chandeleur islands on the east , and includes the metropolitan area of new orleans . the delta complex contains major river channels and levees , numerous bayous , swamps and marshes , lakes , tidal flats and channels , barrier islands , and shallow sea enviroments . water chemistry grades from fresh to brackish to marine . the climate is subtropical ; freezing conditions occur rarely , almost never near the coast . the major climatic events are hurricanes that strike the region every few decades , and floods derived from upstream runoff . economic activities include shipping , traditional fishing and farming enterprises , as well as oil production and petrochemical processing . recreation and tourism are likewise quite siginificant for the local economy .
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we provide comprehensive solutions and personal service in pursuit of a secure financial future .
craig h . johnson retired vice president of finance and cfo larson manufacturing co .
synovus mortgage corp . , a subsidiary of synovus bank , lends in the states of alabama , georgia , florida , tennessee , north carolina and south carolina . this communication is directed to properties in those states . loans subject to approval , including credit approval . synovus mortgage corp . , nmls # 179119 , is an equal housing lender .
simply call phoneline banking on 0345 793 0000 † , press hash ( # ) and one of our customer service advisers will be happy to help you . our advisers are available between 8am and 12am ( midnight ) , 7 days a week and will register you and activate the service for you while you are on the phone .
our personal credit cards offer you reliability and worldwide acceptance at over 30 million locations .
begin by finding the login section . use your existing username and click log in .
our new personal resource center has insights to help you learn and manage your finances .
when a lobe of the delta is abandoned by a shift in drainage , that portion begins slowly to subside into the sea and is further reduced by erosion . some of the sediment may be reworked by wind and waves into barrier islands ; the chandeleur islands are an excellent example of this situation . another example is grand isle ; it is the only barrier island accessible via highway in louisiana . grand isle has a long history of agricultural , recreational , and industrial development . first colonized by the spanish in the 1700s , the island was shifting sand without any tree cover . french creole settlers took over in the 1800s with agriculture and fishing . gradually woodland vegetation became established on the dune sands - - oaks and oleander . salty meadows , marshes and lagoons occupy the lower terrain . the island remained relatively inaccessible until offshore oil production began in the late 1940s . electricity and telephones arrived in the 1960s along with a recreational boom .
simply call phoneline banking on 0345 793 0000 † log in and choose option zero ( 0 ) and one of our customer service advisers will be happy to help you . our advisers are available between 8am and 12am ( midnight ) , 7 days a week .
for more information on alerts and how to set up a balance alert , click here .
you can now view and update your telephone numbers and email address at any time through online banking . you will need your card reader or code card to update your telephone numbers .
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you have certain rights under federal law related to resolving errors and requesting information about your mortgage account , and you may learn more about your rights by contacting synovus mortgage corp . , or by visiting urltoken
u . s . coast guard station to right , recreational houses and boat sheds to left , and barataria bay visible in background . kite aerial photograph , 3 / 04 ; © j . s . aber .
we are proud to offer you great savings and packages when you sign - up for a tuition loan .
you can open a new regular saver account or fixed rate saver account online – it’s quick and easy .
open a money market savings account and let your money work for you ! smart . effective . trusted .
by clicking continue above , you will be leaving urltoken to visit covr ' s life insurance site . insurance products and services are offered through synovus securities , inc . , a licensed insurance agency , and are not available in all states . the information you enter may be retained by these companies and may be shared with insurance companies . these companies will maintain and manage your information in accordance with their policies and procedures , please review them . synovus securities , inc . receives compensation from insurance companies or their affiliates in the form of commissions .
you will be asked to input your registration number , three random digits of your pac and a third piece of personal information to confirm your identity before you will be allowed to view your accounts and complete simple transactions .
view over vegetated dunes at grand isle state park . the woodland consists of oaks and oleander . a salty meadow and lagoon appear in the left background . photo date 3 / 04 ; © j . s . aber .
hurricanes are a way of life in the mississippi delta and adjacent gulf coast region . for example , major hurricanes impacted grand isle in 1893 and 1965 . the hurricane season of 2005 was the most devastating in recent times , when hurricane katrina struck new orleans and hurricane rita came onshore in western louisiana . some 100 square miles ( 260 kmē ) of marshes were converted into open water , as a consequence of erosion during storm surges . most of this wetland loss was attributed to hurricane katrina and took place east of the mississippi river in st . bernard and plaquemines parishes and in breton sound . hurricane rita caused marsh loss west of the mississippi river to the texas border .
certificates of deposit ( cds ) with special rates ! save for short and long - term goals . learn more ›
please note , online services may be unavailable between 3 : 00am and 7 : 00am daily due to essential maintenance .
online banking is responsive and resizes to suit each device . be it a desktop , tablet or phone , you have the flexibility of banking at a time and place that suits you . our security precautions mean your money is kept safe .
the foundation of the modern mississippi delta was constructed during the pleistocene ( ice age ) , when melt water from ice sheets poured down the ohio , missouri and mississippi valleys . these melt - water floods transported huge volumes of sediment that accumulated in the delta . since the end of glaciation , the delta has undergone continual change during the past several millennia . as distributary channels ( passes ) build farther and farther into the sea , river gradient is reduced . eventually the channel gradient becomes too low for water to flow readily . when this happens a new channel , with a shorter route and steeper gradient , may be carved during flooding , and then a new delta lobe begins to build . in this way , the water flow within and across the delta shifts back and forth , and many delta lobes have been constructed during past centuries .
once the service is activated , you can access our online , mobile and phoneline banking services by using these secure numbers .
to get started has never been easier . you can register now and start to use the service within a few minutes .
for the fourth consecutive year , synovus has been ranked one of the country’s most reputable banks by reputation institute and american banker .
third - party sites aren ' t under our control , and we are not responsible for any of the content or additional links they contain . we don ' t endorse to guarantee the goods or information provided by third - party sites , and we ' re not responsible for any failures or inaccuracies . third - party sites may contain less security and may have different privacy policies from ours .
if the address we hold for you is incorrect , please call phoneline banking on 0345 793 0000 † , log in and press zero ( 0 ) to speak to a customer service adviser . our advisers are available between 8am and 12am ( midnight ) , 7 days a week and will be happy to change your address . you will need your card reader or code card to complete this process .
there are however cut off times and transaction limits that apply to any value transactions that you are sending , setting up or cancelling .
viewing your account balance and seeing what is available for you to withdraw or transfer . this will include your overdraft ( if you have arranged one )
whether a you can make it into a branch or you are banking from a phone or computer , a banker and a conversation are here to help .
customers who hold joint accounts should be aware that all account holders are jointly and severally liable for all transactions carried out on their accounts through online services .
cancel your direct debits . you can also view the details of your current active direct debits and of any direct debits you have cancelled within the last 6 months .
they will also talk you through how to use the service and order you a card reader or code card if you plan to complete transactions or services that require these .
a shred event hosted by fb & t ; at the downtown evanston farmers ' market . bring up to 25 pounds of paperwork to be safely shredded and recycled . specific directions .
you can now login to your accounts and services , plus find any other conversion information at southside . com . bookmark or save the southside home page to favorites for quick access .
in order to better assist you , we will need to gather some information . please fill out the information below and click the start chat button to talk to a customer service representative .
you have selected a link that is going to navigate you away from our domain . we are not responsible for and have no control over the content or subject matter of this link .
choose to make these payments on a one - off basis , or for convenience you can save these bill and account details if you plan to pay to them on a regular basis .
this is a slider that displays 4 slides at a time on desktop and tablets , or one slide at a time on mobile portrait view . inactive slides ( on mobile ) are hidden for all users , and the use of next / previous buttons or swiping is necessary to view all slides . all content contained in the slider is available in website navigation or elsewhere in the page . skip slider
recreational development in foreground includes raised houses , boat sheds and canals . an oil terminal can be seen in the background . kite aerial photograph , 3 / 04 ; © j . s . aber .
you can apply for a fixed rate personal loan and you can apply for an overdraft facility on your classic current account . we aim to decision your fixed rate personal loan application within 3 business hours * .
closeup view of tidal - flat meadow and upland forest . deciduous trees are just beginning to leaf out in this early spring scene . kite aerial photograph , 3 / 04 ; © j . s . aber .
seaward view over vegetated sand dunes and beach . the elevated walkway provides access to the beach without disturbing the dunes at grand isle state park . photo date 3 / 04 ; © j . s . aber .
that ' s what our customers can expect . whether you can make it into a branch or you are banking from a phone or computer , a banker and a conversation are here to help . learn more ›
you can contact us in a number of ways . fill in the enquiry form , find the relevant phone number and location , or contact us on one of our social media channels . choose whatever suits you .
need to fix up the house , want to take a trip or maybe you’re looking for a way to pay for college ? do it all and more with a home equity line of credit ( heloc ) .
if you would like to assert there has been an error made with the servicing of your consumer mortgage loan , or if you would like to request information about the servicing of your consumer mortgage loan , and if you would like your assertion or request to be treated in accordance with the procedures provided in 12 c . f . r . parts 1024 . 35 and 1024 . 36 , then you must send written notice to us at synovus mortgage corp . , attention : customer service , 800 shades creek parkway , ms 100 , birmingham , al 35209 . otherwise , we will treat your assertion or request per our standard policies and procedures .
view toward the southwest ; open sea to left , protected water of barataria bay to right . notice the recreational housing and industrial development . kite aerial photograph , 3 / 04 ; © j . s . aber .
upon registration , you will be issued with two sets of secure numbers , an eight digit registration number and a five digit personal access code ( pac ) . you can change your pac to make it easier to remember .
if your joint account was set up so that any one of you can sign solely to complete transactions , then full access will be granted and you will be able to complete value transactions on this account through online services .
to get the best possible experience and added internet security using our website , we require you to upgrade your current web browser or install another web browser . a list of the most popular web browsers can be found below .
space - shuttle photograph of the mississippi delta region , southeastern louisiana and southwestern mississippi . a - grand isle , b - head of passes , mississippi river , c - chandeleur islands , d - mississippi sound . adapted from nasa
we understand how important the security and confidentiality of your information is to you . your security is our highest priority . for added piece of mind visit our security centre on urltoken which provides tips on how to stay safe online .
* funds can only be added to your fixed rate saver account during the initial account opening period , two days from account opening and when the account is in the pre - maturity window , five business days before the maturity date .
landsat tm false - color image of the modern mississippi delta . pink and red depict active , emergent vegetation ; cyan shows water rich in suspended sediment ( mud ) ; dark blue to black is relatively clear water . image obtained from nasa
coastal louisiana has experienced rapid loss of wetland habitats , in which wetlands become open - water environments . rates of loss exceeded 100 km² per year in the early 1980s . these rates have declined to 60 - 70 km² yearly loss more recently , which remains the greatest wetland conversion for any state in the nation . the losses are due to a combination of natural and human factors , including land subsidence , rising sea level , and human drainage modifications . for more information , see
due to regulatory changes , as of july 1 , 2018 , all checks deposited into your account via mobile banking must include the following in the endorsement : “for mobile deposit only at fb & t ; ” and your signature . learn more
just click on the icons to get to the download page . please note : these links will navigate you away from our domain . we are not responsible for and have no control over the content or subject matter of these external links .
the long - term wetland retreat in the mississippi delta region ( see above ) may have contributed to severity of damage during the hurricane season of 2005 . loss of coastal wetlands has reduced the capacity to absorb storm surges . flooding has become more frequent and deeper in some delta areas . the exact contribution of wetland loss to storm damage is difficult to quantify , but it is undoubtedly significant . efforts to mitigate this situation will be quite expensive ( $ 2 billion ) and require decades to put into place , as detailed in the
view inland near buccaneer state park , mississippi showing a tidal - flat meadow with a meandering stream in foreground and artificial reservoir in background . forests occupy dry , sandy soils of higher ground . kite aerial photograph , 3 / 04 ; © j . s . aber .
view toward northeast ; open sea to right , barataria bay to left . another barrier island is visible in the distance . the open channel provides passage for ships between the sea and bay . kite aerial photograph , 3 / 04 ; © j . s . aber .
the eye of hurricane katrina passed directly over the chandeleur islands , a chain of delicate barrier islands east of the modern delta ( see above ) . these islands were heavily damages by the storm ; initial estimates indicate the land area of the islands was reduced by about one half . hurricane katrina was the latest of five hurricanes to impact the chandeleur islands during the brief period 1998 to 2005 . grand isle also was heavily affected by katrina ' s storm surge and high winds that caused widespread structural damage to most buildings on the island .
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skip navigation download acrobat reader 5 . 0 or higher to view pdf files .
opening an account online has never been easier . to get started , let us know where you ' ll be doing your primary banking .
questions ? not sure what product is right for you ? talk with one of our banking experts . we ' re here to help you .
a no monthly fee , no minimum balance online checking account . don ' t need to write checks ? this account is for you . learn more ›
bring those old statements , letters , bills , or any type of document containing confidential , private or sensitive information that you need to shred .
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private banking means having a dedicated resource for financial advice tailored to your situation .
online banking is a tremendous time saver giving you instant access to current account information .
if you have trouble logging in using this button , please use this online banking link .
if you have any queries on online banking or any of our services please go to our new help centre where you will find answers to all your service queries .
aib group ( uk ) p . l . c . is covered by the financial services compensation scheme ,
when you use our online banking urltoken , you can be safe in the knowledge our service is secure .
viewing any pending visa debit card transactions ( those which you have made but have not yet been taken from your account ) including the retailers name .
if you pay any monthly or service fees on your personal account , this will also be included with your estatement .
if you require a recent paper statement on your account , you can print your estatement , or alternatively you can order a statement to be posted .
pay bills to a list of up to 2 , 000 companies . you can even select a payment date up to 28 days in advance .
set up , amend or cancel standing orders ( regular payments ) . you can also view the details of your current active or any cancelled regular payments .
an alert is a text message notification we’ll send you to help you manage your current account . to receive alerts we will use the mobile telephone number held on file for you .
payments made after the daily cut - off time may take an additional banking day to be received by the recipient . this information will be displayed at the bottom of each payment screen . see the below links for more information :
if your joint account was set up that all or more than one of you must sign or give authority to complete transactions , you will only be allowed to use online services for transactions which do not involve any value , for example checking your balance . you will not be able to carry out transactions such as transferring money or paying bills .
manage your money on the move - it ' s the smart way to go .
documents in portable document format ( pdf ) require adobe acrobat reader 5 . 0 or higher to view , download adobe® acrobat reader .
for more information on any of our services please stop by , e - mail us , or call 308 - 784 - 2515 .
with a certificate of deposit ( cd ) or individual retirement account ( ira ) , you can earn more while saving ! don’t just seize the day , seize tomorrow .
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get access to your accounts 24 hours a day from wherever you are . download the app today !
our free checking is a simple no - cost way to make managing your money easier .
synovus has partnered with covr to bring you the right life insurance for you , backed by high quality service from a team of insurance experts ready to help .
dr . aelred ( al ) kurtenbach retired chairman / ceo & co - founder daktronics , inc .