**TEXT MESSAGE DEBIT CARD SCAM!**
First National Bank of Chrisman would like to remind our customers that there are several SCAMS going around. NEVER RESPOND to any requests of your personal bank account information by phone, text message, email or social media you are the one who INITIATED the contact with your bank. We will not ask for any personal information. Please call the bank with any questions you may have.
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 noninterest-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 depositorís accounts at an insured depository institution, including all noninterest-bearing transaction 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 about FDIC insurance coverage of noninterest-bearing transaction accounts, visit http://www.fdic.gov/deposit/deposits/unlimited/expiration.html
LOST OR STOLEN DEBIT CARD
In the event of a lost or stolen debit card after hours: Please call 800-554-8969 to have the card turned off. In addition, please notify us as 217-269-2307 as soon as possible during normal business hours.
UNLAWFUL INTERNET GAMBLING NOTICE
Effective immediately your account terms and conditions are amended to include the following: Restricted transactions as defined by Federal Reserve Regulation GG are prohibited from being processed through this account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, eletronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling.
NEW FDIC INSURANCE COVERAGE
The standard insurance amount currently is $250,000 per depositor. The $250,000 limit is permanent for IRAs and other certain retirement accounts. The $250,000 limit is temporary for all other deposit accounts through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except IRAs and other certain retirement accounts, which will remain at $250,000 per depositor.
NOTICE TO DEBIT CARD HOLDERS
VISA cardholders are able to do transactions not requiring a PIN that are supported and routed through a PIN network. The networks that support PINless transactions for First National Bank of Chrisman are NYCE and Pulse. PINless debit on a PIN-Debit Network PINless debit transactions are not covered by the provisions of the VISA cardholder agreement since these are non-VISA transaction. An example of a PINless debit would be a bill payment transaction; in initiating payment directly with the biller, your identity is verified using known information instead of the use of a PIN. PINless debit on the VISA Network To initiate a PIN less debit transaction that is routed via VISA, you may take action such as signing a receipt, providing your debit card number over the phone or via the internet, or swiping your card through a point-of-sale terminal. If you have any question please call us at 217-269-2307 Member FDIC
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