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 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.

Helping You Stay Safe Online

Jonesburg State Bank, along with the banking industry, recognizes that as the electronic financial world gets more complex, online fraud has become more sophisticated.  In an effort to help you stay safe online we would like to offer some safety tips to help protect your personal information.

• Do not reply to any unsolicited e-mail, pop-up message or phone call asking for personal and/or financial information.  Legitimate businesses should never ask for this information online.

• Do not open any e-mail link or attachment if you suspect the message is fraudulent.  Be suspicious.

• Review account statements regularly to verify all transactions.

• Use anti-virus software, anti-spyware and a firewall, and keep them up to date.

While no defense can protect against every threat, you can enhance your security online with some common sense and a little healthy skepticism.