If a bank is merging with an affiliate bank, and nothing is really changing. Accounts stay the same, rates, computer software, etc., are we required to notify the customer? It should be seamless to the customer other than the name of the bank.

I believe you would (better qualified others hope will chime in). In one major respect, there will be FDIC insurance from only one rather than both institutions. If a customer has maximum FDIC coverage with accounts at both banks, they will not in the future.

Those customers we will definitely contact directly. We have a list of them already. Was just wondering about the general customer base.

You may have some mortgage loan considerations (commercial too for flood):

RESPA transfer of Servicing, Flood notification to agent, TILA sale of loan?

Contact address and phone number for error resolution (Reg E).

in a merger, should the acquiring bank provide the new contact address and phone number for error resolution prior to the change (i.e. 30 days before) or is it sufficient to provide it with the first periodic statement after conversion / under the new bank? We will still accept consumer requests at the old bank if they come in until the acquired staff learns where to send these.

All other pieces of the notice / back of statement paper is the same for both banks - both are using the model form language.