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©1998 Security Bank, Tennessee All Rights Reserved
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The information contained or accessed, and references to corporations, including their services and products, are provided "as is" without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, or error-free or uninterrupted service.
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This publication could include technical inaccuracies or typographical errors. Changes may be periodically made to the information herein.
Disclosures
Disclosure Statement For Consumers: Loan information presented on the website of SECURITY BANK is in accordance with the Federal Reserve Truth in Lending Act (12CFR226). Interest rates displayed for loan products are based on an Annual Percentage Rate (APR) and may fluctuate at any time.
Deposit information presented on the website of SECURITY BANK is in accordance with the Federal Reserves Truth in Savings Act (12CFR230). Interest rates displayed for deposit products are based on Annual Percentage Yield (APY) and may fluctuate at any time.
Securities products are provided by Sorrento Pacific, LLC., a registered broker/dealer and Member NASD, SIPC. Securities products are not insured by the Federal Deposit Insurance Corporation (FDIC) or other deposit insurance. They are not deposits or other obligations of and are not guaranteed by Security Bank. These products are subject to investment risks, including the possible loss of principal invested.
Facts, data, & other information presented on SECURITY BANK website pages are provided directly by SECURITY BANK.
SECURITY BANK, our employees, officers, directors and shareholders, as well as BankSITE(TM), are not responsible for typographical errors or errors of omission; and, we cannot guarantee that all information is accurate or complete.
New FDIC Deposit Insurance Coverage Limits
On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013.
The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government that protects against the loss of insured deposits if an FDIC-insured bank or savings association fails. FDIC deposit insurance is backed by the full faith and credit of the United States government. Since the FDIC was established, no depositor has ever lost a single penny of FDIC-insured funds.
FDIC insurance covers funds in deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit (CDs). FDIC insurance does not, however, cover other financial products and services that insured banks may offer, such as stocks, bonds, mutual fund shares, life insurance policies, annuities or municipal securities.
There is no need for depositors to apply for FDIC insurance or even to request it. Coverage is automatic.
To ensure funds are fully protected, depositors should understand their deposit insurance coverage limits. The FDIC provides separate insurance coverage for deposits held in different ownership categories such as single accounts, joint accounts, Individual Retirement Accounts (IRAs) and trust accounts.
*Basic FDIC Deposit Insurance Coverage Limits
Single Accounts (owned by one person) $250,000 per owner
Joint Accounts (two or more persons) $250,000 per co-owner
IRAs and certain other retirement accounts $250,000 per owner
Trust Accounts $250,000 per owner per beneficiary subject to specific limitations and requirements
* These deposit insurance coverage limits refer to the total of all deposits that an accountholder (or accountholders) has at each FDIC-insured bank. The listing above shows only the most common ownership categories that apply to individual and family deposits, and assumes that all FDIC requirements are met.
The legislation authorizing the increase in deposit insurance coverage limits makes the change effective October 3, 2008, through December 31, 2013.
If you have questions about FDIC coverage limits and requirements, please visit www.myFDICinsurance.gov, call toll-free 1-877-ASK-FDIC, or ask a representative at your bank.
