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If your account is at If your account is at
   FCB Collinsville, Troy,
Maryville, Highland, Edwardsville,
South County
      
   FCB Swansea, New Baden, Albers, O'Fallon, Trenton 
 
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Temporary Liquidity Guarantee Program
FCB Banks is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2009, all noninterest-bearing transaction accounts, IOLTA accounts and interest checking accounts earning up to .50% 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.

Deposits at FDIC-insured institutions are now insured up to at least $250,000 per depositor through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except for IRAs and other certain retirement accounts which will remain at $250,000 per depositor. (This supersedes the October 3, 2008 changes.)

 
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