A mutual bank that has obtained approval from the commissioner to complete the reorganization shall give its depositors written notice of the reorganization at least 30 days prior to the effective date of the reorganization. The notice shall include a brief description of the plan of reorganization. Any depositor of the mutual bank who fails to withdraw the amount deposited to his or her credit at the bank prior to the effective date of the reorganization shall be deemed to have assented to the reorganization.