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Personal Banking News

 

FDIC Insurance Changes

FDIC Insurance Coverage Made Permanent. The Dodd-Frank Wall Street Reform and Consumer Protection Act, signed into law on July 21, 2010, made permanent the current standard maximum deposit insurance amount (SMDIA) of $250,000. The SMDIA was scheduled to return to $100,000 on January 1, 2014. The FDIC coverage limit applies per depositor, per insured depository institution, for each account ownership category.

For more information about FDIC insurance coverage, please go to the FDIC website, www.fdic.gov, and view: Your Insured Deposits brochure and EDIE the Estimator.

 

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CDARS®

Enjoy the convenience of our Certificate of Deposit Account Registry Service®, or CDARS®.  Now you can invest up to $50 million and still be eligible for FDIC insurance on every dollar.**  Using CDARS®, we will place your funds with multiple FDIC-insured institutions, making you eligible for FDIC insurance up to $50 million.  You will enjoy the simplicity of working with just one bank.

 

**Virginia Heritage Bank, Member FDIC.  Funds may be submitted for placement only after a depositor enters into the CDARS® Deposit Placement Agreement.  The agreement contains important information and conditions regarding the placement of funds by our bank.  CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC.

 

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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.

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New Overdraft Rules for Debit & ATM Cards

Ask your banker...  New Overdraft Rules for Debit & ATM cards click for more informtion.

 

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eStatements are Now Available

The modern way to get your bank statement. You told us to go green and we listened. No more paper statements!

Enrollment is easy:

Retail customers sign in to your personal online banking and select the options tab at the top of the page. Business customers sign in to business online banking and select the eStatement enrollment tab at the bottom of the page.

We're saving the enviroment - one statement at a time.

 

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Help VHB Stop Financial Elder Abuse

 

Financial fraud encompasses a wide range of illegal behaviors including elder abuse.  At VHB, we recognize that financial abuse of the elderly is a growing problem and that we play a key role in addressing the problem. We are committed to promoting financial security and stability for all of our customers.

 Tips_to_Help_Prevent_Elder_Financial_Abuse

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