Citizens Bank of Pagosa Springs

Debit Card Fraud Alert
It has been reported that several customers have received telephone calls notifying them that their cards have been compromised and asking customers to reveal their Debit Card Account Number. DO NOT RESPOND TO THESE CALLS. This is an attempt from an outside source to obtain your personal account information. These calls are not from anyone at Citizens Bank. If you have given account information out please contact the Bank immediately.

CUSTOMER ALERT!
We have received calls from several of our customers that they have received an e-mail from Citizens Bank requesting them to go to a web site to update their personal information. Please do not give out any information, as these e-mails are not from Citizens Bank of Pagosa Springs. We will never ask for this confidential information via e-mail.

The Unlawful Internet Gambling Enforcement Act (UIGEA) became effective June 1, 2010. This new Act, which will be enforced through new Regulation GG, prohibits businesses which engage in the business of betting or wagering from knowingly accepting payments in connection with unlawful Internet gambling, including payments made through 1) credit cards, 2) electronic fund transfers, and/or 3) checks.

All banks must inform business customers of this regulation and advise them that any transaction in which they are or a person connected to their account(s) accepts credit, funds, instruments or other proceeds from another person in connection with unlawful Internet gambling are prohibited from transacting at, or from being processed at Citizens Bank of Pagosa Springs, or through any Citizens Bank of Pagosa Springs account.

CITIZENS BANK OF PAGOSA SPRINGS is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2012, all non-interest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage under the FDIC's general deposit insurance rules.

Effective 1/1/2011 Important Disclosure Regarding Deposit Insurance on Noninterest-bearing Account Transactions

Notice of Changes in Temporary FDIC Insurance Coverage For Transaction Accounts

All funds in a "non-interest 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 "non-interest bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. 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.