First Service Bank

Information may not be reliable

The following links are educational tools which can help you to better understand how to protect yourself from these threats.

You may have seen or heard about changes to Federal Reserve rules that will have an impact on how you as a First Service Bank customer can access overdraft coverage on your account. Call, click or come in today to learn more about these additional options regarding overdrafts and to Opt In or Opt Out of overdraft service.
You have several options to report your Opt In or Opt Out decision

Complete this form and return to your local First Service Bank location either by mail, fax or email
Come into any of our locations to talk to any member of our knowledgeable staff and receive a form
Call any of our locations to have a form mailed directly to you

First Service Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2013, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules."
FDIC Insurance Update

On December 31, 2009, the Federal Reserve announced the last in its continuing efforts to consolidate the check processing regions. February 27, 2010 marked the date of the completion of these efforts, which left only the Federal Reserve Bank of Cleveland. This change eliminated the concept of a check being “nonlocal”, and has affected First Service Bank’s funds availability policy. If you have questions regarding how this could potentially affect your deposits, please contact your local customer service representative for details.