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West Central Georgia Bank will NEVER request any personal information (such as account numbers, passwords, PINS, Social Security Numbers, etc.) through an unsecured email OR telephone call.

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.


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.

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………Picnic Table with Umbrella
    Hunter Clay

5- 10 Years………….Nintendo DSI
    Sara Lee

11-14 Years…………IPOD Nano
    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 CELEBRATES 37 YEARS

West Central Georgia Bank held its 37th birthday celebration on April 15th & 16th, 2011 and drawings for prizes were held. Eddie Rogers and Julie Peyton congratulate the winners:

1st prize...2 Adirondack Chairs………....Jack Kendrick

2nd prize..6 Burner Char-Broil Gas Grill……...Ken Love

3rd prize...22" Vizio LED-HDTV………….Crystal Burks

4th prize...$100.00 Savings Bond……………..Evan Bell

CONGRATULATIONS TO ALL OF OUR WINNERS!

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.

 

U.S. SAVINGS BONDS ARE GOING PAPERLESS!

    Paper U.S. Savings Bonds will not be sold at financial institutions or through mail-in orders after December 31, 2011. Buy and manage electronic savings bonds safely, online, 24/7, through TreasuryDirect, www.treasurydirect.gov.

OVERDRAFT PRIVILEGE

    We are always looking for ways to make banking with us as easy and convenient as possible for our customers. Beginning December 16, 2010, we will provide a valuable new service – Overdraft Privilege – for our qualified individual and small business checking account customers.
    With Overdraft Privilege, if you overdraw your checking account, West Central Georgia Bank may cover your shortfall up to $500.00 instead of returning items unpaid. Overdraft Privilege will be available to qualified customers for checks, in-person withdrawals, ACH and Internet Bill Pay transactions.
    We will, however need your consent to authorize Overdraft Privilege for ATM and everyday debit card transactions. If you do not consent for this coverage, the transaction would be declined.
    You must complete a ATM/Debit Card Consent Form if you would like this additional service. Just stop by any of our offices to sign a consent form.

SHAZAM

    Effective 1/31/2011, West Central Georgia Bank will begin processing all ATM/Debit Card transactions through SHAZAM. With this, we will begin processing real time which means all cash and on us check deposits will immediately post to your card balance, as well as all withdrawals will be debited from your balance. SHAZAM will also feature state of the art fraud prevention tools and services to help protect you from fraud and identity theft pertaining to your card.
    We will not be reissuing cards with this change, but you will receive a newly designed card when your current card expires.
    Please do not hesitate to call with any questions or problems after our conversion date. For full details on these services please check our newsletter in this website. Thank you for your patience and continued support of West Central Georgia Bank.
   

The Banking Buddies are a special group of customers that enjoy special get togethers, travels and meetings with special speakers. Learn More...

Could you be a victim of identity theft?

No matter how careful you are, you can still become a victim of identity theft. Each day, criminals find new ways to steal personal information, so they can take over existing accounts and open fraudulent new accounts. Victims may be left with permanent damage to their credit rating – or worse yet, an undeserved criminal record.

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Wouldn’t you like help protecting your money and your good name? Learn more about the Deluxe ID TheftBlock by clicking the link below.


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