Effective October 3, 2008
FDIC deposit insurance increased from $100,000 to $250,000 per depositor.  Contact a Personal Banker to review your accounts.                       

Temporary Liquidity Guarantee Program
Our institution has elected to participate in the FDIC's Transaction Account Guarantee Program.  Under that program, through December 31, 2010, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account.  Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.  The definition of noninterest-bearing transaction accounts includes low-interest NOW accounts (defined as NOW accounts with interest rates no higher than 0.25 percent)