VISHING/PHISHING ALERT

Incidents of fraudulent activity are on the rise. Protect yourself...NEVER…provide the following information via an unsolicited phone call, email, a link in an email or a website that you have not intentionally accessed: User ID’s, Passwords, Card Account numbers, PIN’s or other sensitive data. West Central Georgia Bank will never contact you by phone, email or text to solicit personal or account information. Visit www.onguardonline.gov for more details. If you receive a suspicious call, email or text concerning your accounts with us, please contact West Central Georgia Bank immediately at 706-647-8951.

VISHING
Vishing is a means of identity theft where attackers pose as representatives from a financial institution and call people to obtain sensitive information for fraudulent use. The thieves often claim that the individual’s credit or debit card needs to be reactivated or, ironically, that fraud has been committed on their card. Customers are then asked to enter their card number into the phone along with other personal information. This information is recorded by the thieves and then used to commit fraud.

ANNUAL KIDS DAY CELEBRATION

West Central Georgia Bank would like to thank you for all of your support over the last 37 years. We just had our annual Kid’s Day and a great time was had by all. We had three prizes in three age groups and the winners are as follows:

Birth – 4 Years………Child's Patio Set
    Ansley Owens

5- 10 Years………….Leap Frog Game
    Kara Beth Neighbors

11-14 Years…………Digital Camera
    Desmon Garner

If your child does not already have a Kid’s Club Account, come in and open one. The accounts are available to kids through age 14 and the child must be accompanied by a parent or guardian. Please be sure to bring the child’s Social Security Card.

WEST CENTRAL GEORGIA BANK CELEBRATED 38 YEARS OF SERVICE

West Central Georgia Bank celebrated our 38th birthday the week of April 9th through April 14th. A drawing was held at the close of the business day on Saturday, April 14,2012. The prizes and winners are listed below:

1st prize....4 Piece Patio Set......Donnie Ivie

2nd prize...Brinkman Gas Grill....Mark Virani

3rd prize....Adirondack Chairs.....Keith Bryant

4th prize....$50.00 Gift Card........William Thaxton

We would like to thank you for your loyalty and support and look forward to serving you for many years to come.

FDIC DEPOSIT INSURANCE
On July 21, 2010, President 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.

PROTECT YOUR MONEY AND IDENTITY WITH DIRECT DEPOSIT

You can protect yourself by signing up to have your federal benefit payment deposited directly into your checking or savings account. You can do this with a simple phone call to the Social Security Administration at 1-800-772-1213 or you can come in and we will be happy to make the call for you. Come in today and sign up for Direct Deposit.

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 and money-market deposit accounts.

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

BILLPAY UPGRADE / “REAL TIME”

BILLPAY has been upgraded as of Wednesday, May 16, 2012. We have set up all of your payees that were available for upgrade. Please ensure that all of your payees are present and correct. None of your "old" scheduled payments were converted. All scheduled payments in the "old" Bill Pay were cancelled on May 15, 2012 and will have to be scheduled by you in the "new" Real Time Bill Pay system. Some of the improvements with your "new" Bill Pay Account are, your account will not be debited until your check has cleared, once you have logged into Online Banking you have access to your Bill Pay without a separate signon, and you will have the ability to pay anyone via e-mail.
If you have any questions or concerns please call
706-647-8951 and ask for Bookkeeping.