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 additional insurance coverage does not apply to savings, Venture checking or Money Market accounts; however, all regular checking and other interest bearing checking accounts are covered.

The FDIC's deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013.