Peabody State Bank

CheckProtect®: A New Standard of Check Delivery

More security. Less worry.

At Peabody State Bank, we know you depend on us to provide you with a variety of financial services while protecting your personal information. That's why we take many steps to safeguard the confidential information you entrust to us.

One such step is selecting CheckProtect as our new standard of delivery for personal check orders. Why? Because your checks are so much more than paper. They represent your checking account and the services associated with it, such as your debit card, automatic withdrawal payments and direct deposits — all of which could need to be re-established if your check order does not arrive to you safely.

CheckProtect provides you with an improved level of security at a low cost by offering:

Tamper-evident polywrap packaging that helps conceal your checks
Fully trackable deliveries, so you know where your checks are
Estimated delivery dates that let you know when to expect your order

Working closely with our check program provider, Harland Clarke, we are able to provide this valuable service to you at a competitive low price. The charge for CheckProtect will be added to the price of any check design you choose to purchase or, if you are part of our checking account programs that provide complimentary checks, it will appear as a separate item on your statement. The value of the CheckProtect delivery will be deducted from your account when you place your next order of checks.

If you have questions about the benefits of CheckProtect, visit www.harlandclarke.com/checkprotect.

FDIC Insurance News

Notice of Changes in Temporary FDIC Insurance Coverage
for Noninterest-Bearing Transaction Accounts (see notice below)

FDIC insurance covers all deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit. FDIC insurance does not cover other financial products and services that banks may offer, such as stocks, bonds, mutual fund shares, life insurance policies, annuities or securities.

The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.

The FDIC provides separate coverage for deposits held in different account ownership categories. Depositors may qualify for more coverage if they have funds in different ownership categories and all FDIC requirements are met. (For details on the requirements, go to www.fdic.gov/deposit/deposits).

FDIC Deposit Insurance Coverage Limits¹ by account ownership category
Single Accounts owned by one person	$ 250,000 per owner
Joint Accounts owned by two or more persons	$ 250,000 per co-owner
Certain Retirement Accounts includes IRAs	$ 250,000 per owner
Revocable Trust Accounts	$ 250,000 per owner per beneficiary up to 5 beneficiaries (more coverage available with 6 or more beneficiaries subject to specific limitations and requirements)
Corporation, Partnership and Unincorporated Association Accounts	$ 250,000 per corporation, partnership or unincorporated association
Irrevocable Trust Accounts	$ 250,000 for the non-contingent, ascertainable interest of each beneficiary
Employee Benefit Plan Accounts	$ 250,000 for the non-contingent, ascertainable interest of each plan participant
Government Accounts	$ 250,000 per official custodian
To calculate your deposit insurance coverage Use the FDIC’s Electronic Deposit Insurance Estimator (EDIE) at: www.fdic.gov/edie.
For questions about FDIC coverage limits and requirements Visit www.FDIC.gov/deposit/deposits, call toll-free 1-877-ASK-FDIC, or ask a representative at your bank.
¹NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING 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.

FREE CREDIT REPORTS

A recent amendment to the federal Fair Credit Reporting Act requires each of the nationwide consumer reporting companies - Equifax, Experian, and TransUnion - to provide you with a free copy of your credit report, at your request, once every 12 months. But there's only one online source authorized to do so. That's annualcreditreport.com .

Some other sites claim to offer "free" credit reports, but may charge you for another product if you accept a "free" report. Peabody State Bank has added this link to it's own website for your convenience and security. You will find the link listed in the Banking Services page and the Loan Services page.

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