At First Farmers Bank & Trust, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC).

IMPORTANT NOTICE
Changes to FDIC Insurance Coverage
FDIC Deposit Insurance has permanently increased to $250,000 per depositor. If you have any questions or concerns about how this change may affect the funds you have on deposit with First Farmers Bank & Trust, please speak with a Customer Service Representative. For additional details, please visit the FDIC website at www.FDIC.gov.

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.

Use the links below for more information:

• EDIE, the FDIC's Electronic Deposit Insurance Estimator
• FDIC Insurance Explained - FDIC (video)

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People you can trust
If you have any questions about our products and services, please use our information request form, visit any of our offices, or call (800) 371-3316 to speak with a member of our staff. We will be happy to answer your questions and assist you in selecting the products and services that best meet your financial needs.