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 changes in Temporary FDIC Insurance Coverage for Transaction Accounts

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 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, money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.