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| Frequently Asked Questions | |||||
| How has FDIC insurance changed? | |||||
| On October 3, 2008 the Federal Deposit Insurance Corporation increased the insurance from $100,000 to $250,000 per depositer. This level of insurance is guaranteed through December 31,2009. This means that a single account or your accounts collectively are guaranteed by the full faith and credit of the United States government up to $250,000. The State Bank of Speer has also elected to participate in the FDIC’s Transaction Account Guarantee Program. This program fully guarantees all non-interest bearing accounts for the entire amount in the account—if you are fortunate enough to have one million dollars in your checking account, the entire one million is guaranteed. The key is these accounts must be non-interest bearing. This program also ends December 31,2009. | |||||
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What will I need to do to have my pay check or my social security check automatically deposited into my account? |
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| You need to check with your employer to determine their willingness to make automatic payroll deposits. If they agree to do this you will need to give your employer your account number, the name of your bank and the bank routing number. The Social Security Administration encourages automatic deposit, and you will need to contact them and provide them with the same information listed above. You can deposit into either a checking account or a savings account. | |||||
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What will the bank need if I want to apply for a loan? |
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| We will ask you to complete a loan application in most instances, and we will assist you in this process. We will also need copies of your income taxes for the last 2 years, a current bank statement (if you bank somewhere else), a current financial statement (a list of what you own and what you owe—assets and liabilities) and your most recent payroll stub or evidence of your monthly pension or social security payment. We will also conduct a credit check. We will ask you the purpose of the loan and will also discuss the interest rate and the length of time you want to pay the loan back. This information will help us determine your monthly payment, and help us collectively determine whether you can afford the loan payment. | |||||
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