Dear Farmers Bank Customers,

The media has been giving a lot of attention to the banking industry in recent weeks.  Here at the Farmers Bank of Mt. Pulaski, we want to assure you that our bank continues to be strong and remains a solid and important member of our community.  We are well, capitalized, routinely examined by our bank regulators - who make certain that we are operating in a safe and sound manner for your protection - and far-removed from the events on either coast that have prompted so much fanfare lately.

As you know, The Farmers Bank of Mt. Pulaski is insured by the Federal Deposit Insurance Corporation (the FDIC).  You can be confident that your insured deposits are safe.  FDIC insurance is backed by the full faith and credit of the United States government.

All FDIC-insured deposits, including checking, NOW, savings and money market accounts, as well as certificates of deposit, are insured up to the following legal limits for each unaffiliated financial institution:  $ 250,000 per person (effective October 3, 2008 until December 31, 2009), plus $ 250,000 for most retirement accounts, such as Individual Retirement Accounts.  Moreover, if you believe that some of your deposits are not fully insured, it may be possible to restructure your accounts to bring your deposits into insurance coverage.

If you have any questions as to what types of account are insured by the FDIC, you can obtain more information at http://www.fdic.gov/deposit/deposits/insuringdeposits/iyd.pdf, where you can download a comprehensive brochure prepared by the FDIC.  If you want to calculate your own insurance coverage for deposits held by our bank or any other financial institution, you can use the FDIC's on-line "Electronic Deposit Insurance Estimator" at http://www4.fdic.gov/EDIE.  You also can speak directly with the FDIC specialist by calling 1-877-ASK-FDIC.

We want you to know that we appreciate your business.  If you have any questions about your accounts, please do not hesitate to call our bank at 217-792-5211.

Sincerely,

The Farmers Bank of Mt. Pulaski 

BILL PAY IS HERE!  To sign up for bill pay, you must first be signed up for our Internet Banking.  Once you are signed up for Internet Banking, you can enroll in our Bill Pay service.  You just click on "Bill Pay" from our Internet Banking site and complete the enrollment process through CheckFree Services. 

Bill Pay is FREE if you use it.  If you sign up for Bill Pay but don't make any transactions during any given month, you will be charged the per user fee that the bank incurs to make this service available to you.  Currently, the per user fee per month is $5.65.

If you have any questions about this service, please call Tricia at 217-792-5211.