|
Contact us about your mortgage needs...
 There is no time like the present to buy a home or refinance your mortgage!
Contact our mortgage specialist Shane Fendley - (706)-216-5900
At First Citizens Bank of Georgia, we respect a customer's right to financial privacy and obligate ourselves to honor the trust you have placed in us. We recognize the financial information you have chosen to share is of a sensitive nature, and your privacy should not be compromised. We are committed to treating your personal financial information responsibly and will adhere to all federal and state laws to protect your privacy.
Collection of Financial Information
First Citizens Bank of Georgia collects, retains, and uses information about our customers only where it is necessary to administer our business, provide superior customer service, and offer opportunities we think will be of interest to you. Personal financial information is obtained only for specific business purposes and collected primarily from our customers, developed within our bank, and occasionally obtained from outside sources. We continually strive to ensure your financial information is accurate, current and complete and will respond to any requests by you to investigate and correct any inaccuracies in a timely manner.
Information to Third Parties
It is our policy not to reveal financial information concerning our customer's accounts, or personal data, to third parties. However, there are certain situations in which this occurs. Your information may be shared with a third party for the following reasons;
-
when it is necessary to assist you in completing certain business transactions,
-
to verify the existence of your account to a third party (such as a credit bureau),
-
to comply with a court order, laws or regulations, and
-
when requested by you.
ATTENTION
On July 21, 2010, President Barack Obama signed the Dodd-Frank Wall Street Reform and Consumer Protection Act, which, in part, permanently raises the current standard maximum deposit insurance amount to $250,000. The standard maximum insurance amount of $100,000 had been temporarily raised to $250,000 until December 31, 2013. The FDIC insurance coverage limit applies per depositor, per insured depository institution for each account ownership category.
The temporary increase from $100,000 to $250,000 was effective from October 3, 2008, through December 31, 2010. On May 20, 2009, the temporary increase was extended through December 31, 2013.
"With this permanent increase of deposit insurance coverage to $250,000, depositors with CDs above $100,000 but below $250,000 will no longer have to worry about losing coverage on those CDs maturing beyond 2013. We strongly encourage all bank depositors who have questions about their insurance coverage to go to our Web site at www.fdic.gov and use our Electronic Deposit Insurance Estimator (EDIE) or call our toll-free number at 1-877-ASK-FDIC. Insured deposits provide the comfort and peace of mind to depositors that their money is 100 percent safe – provided they keep their deposit balances within the insurance limits," said FDIC Chairman Sheila C. Bair.
To help consumers, bankers and others understand how the new law affects deposit insurance coverage and to help consumers verify whether their deposit accounts are fully protected, the FDIC provides the following resources:
-
Information on deposit insurance on the FDIC Web site: Updated brochures on deposit insurance coverage (including the basic guide, Deposit Insurance Summary, and the more comprehensive guide, Your Insured Deposits) and a new version of the "Electronic Deposit Insurance Estimator" (EDIE), an interactive service that allows consumers to quickly and easily check whether their accounts are fully protected, are now available on the FDIC's Web site (www.fdic.gov).
-
A toll-free consumer assistance line: Help and information about deposit insurance and other matters of interest to bank customers are available at 1-877-ASK-FDIC (1-877-275-3342) Monday through Friday from 8:00 a.m. to 8:00 p.m., Eastern Time. For the hearing-impaired, the number is 1-800-925-4618.
# # #
Congress created the Federal Deposit Insurance Corporation in 1933 to restore public confidence in the nation's banking system. The FDIC insured deposits at the nation's 7,932 banks and savings associations and it promotes the safety and soundness of these institutions by identifying, monitoring the addressing risks to which they are exposed. The FDIC receives no federal tax dollars – insured financial institutions fund its operations.
FDIC press releases and other information are available on the Internet at www.fdic.gov, by subscription electronically (go to www.fdic.gov/about/subscriptions/index.html) and may also be obtained through the FDIC's Public Information Center (877-275-3342 or 703-562-2200). PR-161-2010
This financial institution participates in the Temporary Liquidity Guarantee Program. Funds held in non-interest bearing transaction accounts at this institution are fully insured by the FDIC. |
