FDIC (Federal Deposit Insurance Corporation) insurance covers funds in deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit (CDs).

Deposits at FDIC - insured institutions, including Citizens Bank of Effingham, are insured up to at least $250,000 per depositor until December 31, 2013. On January 1, 2014, FDIC deposit insurance for all deposit accounts - except for certain retirement accounts - will return to at least - $100,000 per depositor. Insurance coverage for certain retirement accounts, which include all IRA deposit accounts, was increased permanently to $250,000 per depositor in 2006.

Citizens Bank of Effingham is participating in the FDIC's Transaction Account Guarantee Program.

Under that program, through December 31, 2009, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guaranteed Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

For more information on FDIC coverage and how it affects your accounts, please stop by your local Citizens Bank of Effingham branch office. You may also visit the FDIC's Web site at fdic.gov.