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Important Information about Deposit Insurance Coverage

Effective January 1, 2013 basic insurance coverage for deposit accounts (checking, savings, and certificates of deposits) is $250,000. There are ways to qualify for more than the $250,000 basic insurance coverage limit based on different categories of ownership.

When determining your deposit insurance coverage, you must consider all deposit accounts maintained in the same right and capacity at different branches or offices of the same insured depository institution. The combined amounts you have on deposit with Century National Bank, Fairfield National Bank, Farmers and Savings Bank, First-Knox National Bank, Richland Bank, Second National Bank, Security National Bank, Park National Bank of Southwest Ohio and Northern Kentucky, United Bank, and Unity National Bank, are divisions of The Park National Bank and are considered insured by the same insured depository institution, namely Park National Bank. Basic insurance coverage for deposit accounts (checking, savings, and certificates of deposits) is $250,000. There are ways to qualify for more than the $250,000 basic insurance coverage limit based on different categories of ownership.

Effective April 1, 2006 FDIC insurance coverage was increased to $250,000 for retirement accounts – the combined total of the traditional and Roth IRAs (Individual Retirement Accounts), self-directed Keoghs and certain other retirement accounts an individual may have on deposit at an FDIC-insured bank or savings institution. In general, self-directed means the consumer chooses how and where the money is deposited. Note: FDIC insurance coverage for self-directed retirement accounts applies primarily to certificates of deposits or “CDs”, which are deposit accounts typically held for anywhere from one month to five years. These accounts also are insured to $250,000 separately from any other deposits you may have at the same institution.

For more information about insurance coverage limits and how to qualify for more insurance coverage, ask us for the FDIC brochure, “Insuring Your Deposits” or go to the FDIC web site: www.fdic.gov. The FDIC has a tool “electronic deposit insurance estimator (EDIE)” that you can utilize to assist you in obtaining a summary of your FDIC coverage amounts.

Member FDIC
As of 01/01/2013