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   CHANGE IN FUNDS AVAILABILITY POLICY 
Effective July 21,2011, First Commercial Bank will increase the amount of funds made available to you if a hold is placed against your deposit.  If a hold is placed, the first $200 of the deposit will be made available to you on the first Business Day after the day of your deposit.  We will notify you if a hold is placed against your deposit and when the full amount of your deposit will become available.

  NEW DEPOSIT INSURANCE LIMITS
On July 21,2010, FDIC deposit insurance limits were permanently raised to $250,000. per deposit owner.

  NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE    
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 rules. 

The term "noninterest-bearing 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 ("IOLTA's").  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
https://www.fdic.gov/edie/index.html.  
 

FDIC E-MAIL ALERTS

    June 3, 2011

    October 27, 2009