Important Notice to Debit Card Holders

Twin Valley Bank has added enhanced Fraud Security Protection to our Debit Card Program. When High-probability Fraud Transactions Occur, they will be blocked at the point of Authorization. Due to this increased security it is important to provide Twin Valley Bank with any updated contact information.

Protecting Yourself from Online Fraud

• Keep your credit/debit card numbers private. Never give your card number to anyone- not even someone claiming to be from a charity-over the phone.

• Don't fall for scams claiming big rewards for a donation of money. For example, don't believe anyone who says they will give you a cruise if you donate $100 dollars to their charity.

• Only buy from secure online shopping sites.

• If possible use online bill payment services when you shop online to avoid having to enter in your credit card information

• Be wary of work-from-home scams. Remember, you should be paid for doing a job; you shouldn't have to pay to get one.    

Notice of Expiration of the Temporary Full FDIC Insurance Coverage for Noninterest-bearing Transaction Accounts

By operation of federal law, beginning January 1, 2013, funds deposited in a     non-interest bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transactions accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information, visit: www.fdic.gov/deposit/deposits/unlimited/experation.html