DETROIT – A major banking merger is reshaping the financial landscape in Michigan — and customers need to take action before the changes take effect.

Fifth Third Bank completed its acquisition of Comerica, and beginning Sept. 8, Comerica customers will transition onto Fifth Third’s systems. The switch affects everything from mobile banking to direct deposits.

What Comerica customers need to do

Steve Davis, regional market president for Michigan, said the transition is designed to be straightforward for most customers.

“For the most part, what our customers are going to need to do is on September 8th, they’re going to log in to the Fifth Third app or their website, create a new user ID, a new password, and they’re good to go,” Davis said. “Their debit card, their ATM, their direct deposit information, all their ACHs — that’s all going to transfer over for them.”

To help customers prepare, welcome packets will be mailed in August walking through every step of the process. The bank says it is also staffing up to handle an expected surge in questions.

“It’s an all hands on deck to make sure that we can exceed customer expectations,” Davis said.

Customers looking for additional information can visit Fifth Third’s Better Together page.

Branch closures, but more options overall

The $10.9 billion all-stock deal — finalized in October — comes with significant changes to the branch network. More than 70 locations are slated to close as part of the merger.

The bank says it is working to relocate affected employees or help them find other opportunities. And while the closures mark a loss for some communities, Davis says the combined network ultimately gives customers more options.

“If you’re in the tri-county of Southeast Michigan — like Livingston, Macomb, Wayne, etc., we’re going to be number one in terms of branches there,” Davis said. “In the City of Detroit, we’re going to be number one in terms of branches there, so for our customers on average it’s a much better thing than a worse thing.”

Will Comerica Park be renamed?

Perhaps no question has captured more public attention than the fate of Comerica Park — the downtown Detroit ballpark that is home to the Detroit Tigers.

Could it become Fifth Third Park? That answer isn’t ready yet.

“We’re evaluating everything — we’ll decide something in the offseason,” Davis said. “It’s really cool that people care so much about Comerica Park and what it’s meant to them.”