Each depositor insured to at least $250,000 per insured bank

1. Introduction
2. Press Release
3. Acquiring Financial Institution
4. Question and Answer Guide
        En Español
5. Banking Services
6. Loan Customers
7. Possible Claims Against the Failed Institution
8. Priority of Claims
9. Dividend Information
10. Brokered Deposits
11. Purchase and Assumption Agreement (585 kb PDF File - PDF Help)
12. Bid Summary
13. Commerce Bank of Southwest Florida Contact Information
14. Balance Sheet Summary

The FDIC has assembled useful information regarding your relationship with this institution.  Besides a checking account, you may have Certificates of Deposit, a car loan, a business checking account, a commercial loan, a Social Security direct deposit, and other relationships with the institution.  The FDIC has compiled the following information, which should answer many of your questions.

Your transferred deposits will be separately insured from any accounts you may already have at Central Bank for six months after the failure of Commerce Bank of Southwest Florida. Checks that were drawn on Commerce Bank of Southwest Florida that did not clear before the institution closed will be honored as long as there are sufficient funds in the account.  For more information on deposit insurance, you may speak to an FDIC representative by calling 1-800-913-5370 or visit EDIE, the FDIC's Electronic Deposit Insurance Estimator.

EDIE - FDIC's Electronic Deposit Insurance Estimator

You may withdraw your funds from any transferred account without an early withdrawal penalty until you enter into a new deposit agreement with Central Bank as long as the deposits are not pledged as collateral for loans. You may view more information about Central Bank by visiting their web site.

Central Bank (www.centralbnk.com)

As of Monday, November 23, 2009, you may continue to use the services to which you previously had access, such as safe deposit boxes, night deposit boxes, wire services, etc.

Your checks will be processed as usual.  All outstanding checks will be paid against your available balance(s) as if no change had occurred.  Your new bank will contact you soon regarding any changes in the terms of your account.  If you have a problem with a merchant refusing to accept your check, please contact your branch office.  An account representative will clear up any confusion about the validity of your checks.

All interest accrued through Friday, November 20, 2009, will be paid at your same rate.  Central Bank will be reviewing rates.  You will be notified of any changes.

Your automatic direct deposit(s) and/or automatic withdrawal(s) will be transferred automatically to your new bank.  If you have any questions or special requests, you may contact a representative of your assuming institution at your branch office.

For all questions regarding new loans and the lending policies of Central Bank, please contact your branch office.

Please see A Borrower’s Guide to an FDIC Insured Bank Failure for additional information.

Jacksonville Claims Agent: 1-904-256-3925

Claims Email: jacksonvillecreditorclaims@fdic.gov

All shares of Commerce Bank of Southwest Florida were owned by its holding company, Florida Commerce Bancorp, Inc. The holding company was not included in the closing of the bank or the resulting receivership. If you are a shareholder of Florida Commerce Bancorp, Inc., please do not contact or file a claim with the Receiver. You may contact Florida Commerce Bancorp, Inc., directly for information as follows:

Depositors

General Unsecured Creditors

Subordinated Debt

Stockholders

Deposit Broker's Processing Guide