Citizens Bank Sac City, Iowa




	Direct Deposit Benefits Direct Deposit is a safe, convenient way to have your checks put directly into your account(s). It is one less errand to do. You no longer have to worry about the weather or lost/stolen checks. We offer Direct Deposits at no extra charge to our customers. To sign up for Direct Deposit for Social Security checks, you can call the Social Security’s toll-free number weekdays from 7AM to 7PM at 1-800-772-1213. At that time, you will be asked for Citizens Banks’ ABA (routing) number which is 073921048; your account number, which is the six digits between the banks’s routing number and your check number when looking at your checks. Please contact us if you should have any questions concerning Direct Deposits.

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, money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit http://www.fdic.gov/.

FDIC

Equal Housing Lender

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