Disclosures

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "non-interest bearing transaction account" and Interest On Lawyers Trust Accounts ("IOLTAs") 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 seperate 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 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, and money market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

 

Patriot Act

Help Us Prevent Identity Fraud

According to the Federal Trade Commission, identity theft is the fastest-growing crime in the country.  Our ability to feel safe is becoming more difficult with terrorism and crime on a steady increase. 

The USA PATRIOT Act has paved the way for financial institutions to help prevent fraud, identity theft, and the spread of terrorism.  It requires financial institutions to obtain more information from an individual or legal entity to help establish identity.

Your cooperation is needed when you open a new account or request a loan.  You may be asked more questions to establish and confirm your identity.  It may also be required for you to provide one or more forms of identification.