NEW FEATURES AND AN UPDATED LOOK ARE AVAILABLE IN PERSONAL ONLINE BANKING!

We have been telling you it was coming and it is here!  All of the same information is available to you on the landing page.  It is just in a different format and a couple of new things were added.

Bill Payment -- You can now pay your bills and pay people right from the landing page.  As a caution, there is a ten minute timeout security feature for bill payment, so please work in this area first or you may be asked to log in again.

Spending Report -- This feature will soon allow you to categorize your transactions to see, at a glance, how you spend your money.  Look for more information on this page regarding this feature; We will let you know when it is ready to use!!  

INFORMATION FOR BILL PAYMENT CUSTOMERS:

New bill payments can be set up, and old payments adjusted, to debit from your account on the due date of the bill -- where previously you had to schedule lead time -- with a CheckFree guarantee that your payment will be made on the due date.  A convenient payment calendar will also let you know if you can take advantage of Same Day or Overnight Payment -- in addition to the new Account to Account Transfer and Zash Pay services (fees will apply). If you have not already adjusted your payments due dates, please do.

To learn all about the new bill payment features, view a demo at http://www.onlinebanktours.com/oec/index.php?BID=567

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FDIC Insurance Information 

On July 22, 2010, the FDIC's standard maximum deposit insurance amount was permanently increased to $250,000 per depositor. 
 

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 insurance 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, and money-market deposit accounts.

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

Call 231.780.1800 (Toll Free 888.853.6633) or visit your local Community Shores branch for details.