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FDIC Insurance Updates
December 31, 2010

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts, and Interest on Lawyers Trust Accounts (“IOLTAs”). These interest bearing accounts are insured up to $250,000 per account owner.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov because rules are changing frequently.

Please contact Rick McSwain at (580)724-3511 if you have any questions.