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1st ANNUAL RELAY FOR LIFE ROOK TOURNATMENT REGISTRATION FORM

 
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IMPORTANT INFORMATION ABOUT OVERDRAFTS AND OVERDRAFT FEES

Your checking account comes with standard overdraft practices. Beginning August 15, 2010, regulations will require banks to have a customer’s permission to authorize and pay overdrafts on ATM and everyday debit card transactions. First State Bank wants you to be fully informed and prepared to make this decision about overdrafts and overdraft fees. Information regarding these changes is available.
 
Stocks are not deposits, not insured by the FDIC, not guaranteed by the Bank, and may lose value.
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FDIC
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In accordance with the Dodd-Frank Wall Street Reform and Consumer Protection Act, from December 31, 2010, through December 31, 2012, all funds in "noninterest-bearing transaction accounts" are insured in full by the Federal Deposit Insurance Corporation. This unlimited coverage is in addition to, and separate from, the coverage of at least $250,000.00 available to depositors under 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 also includes Interest on Lawyers Trust Accounts ("IOLTAs"). 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.

The temporary full insurance coverage of "noninterest-bearing transaction accounts" expires on December 31, 2012. After December 31, 2012, funds in noninterest-bearing transaction accounts will be insured under FDIC's general deposit insurance rules, subject to the Standard Maximum Deposit Insurance Amount of $250,000.00.

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