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Overdraft Payment Programs and Consumer Protection
Comments Received from Financial Institutions

Comment Letters from:


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Overdraft Payment Programs and Consumer Protection
Comment Letters from Financial Institutions
August 11, 2010 Becky Miller
Farmers Trust and Savings Bank, IA
August 11, 2010 Robert Kernodle, EVP/CIO/CRO
Cornerstone Bank, Wilson NC
August 12, 2010 Lori L. Kelley, VP & Sr. Operations Officer
First Federal, Independence, KS
August 12, 2010 Donna Bagshaw
Bank of Edmonson County, Brownsville, KY
August 12, 2010 Dana Eckhart, Coordinator VITA/IDA
BVCAA/United Way of the Brazos Valley
College Station, TX
August 12, 2010 Rob Sullivan, CFO/VP
Oak Bank, Chicago, IL
August 12, 2010 Clark A. Hervert, VP
First National Bank in Ord, Ord, NE
August 16, 2010 Larry Neal SVP/Cashier
Security State Bank Pearsall, TX
August 17, 2010 Karen Farah, Vice President/Commerical Banker
First Atlantic Bank, Jacksonville, FL
August 18, 2010 Timothy S. Avery, President & CEO
Scott Valley Bank, Yreka, California
August 23, 2010 Cheryl A. Nakashige
Bank of Central Florida, Lakeland, FL
August 25, 2010 Ruben Robledo
Citizens State Bank, San Antonio, TX
August 30, 2010 Donna M. Stone
First Community Bank of Bedford County
September 1, 2010 Lucas R. Moore
Pony Express Community Bank
September 1, 2010 Linda D. Means
Pony Express Community Bank
September 2, 2010 Robert Means
Pony Express Community Bank
September 3, 2010 Barbara Johnson
Pony Express Community Bank
September 3, 2010 John Means
Pony Express Community Bank
September 3, 2010 Sheldon Hendrix
First Community Bank, Corpus Christi, TX
September 7, 2010 Jim Lemon
Friendship State Bank
September 7, 2010 Robert Sebaugh
First State Bank of Livingston
September 8, 2010 Pete Butcher
Williamstown Bank, Inc. Williamstown, WV
September 8, 2010 Thomas Aden
Great American Bank, De Soto, KS
September 9, 2010 John Hampton
First Western Bank, Booneville, AR
September 9, 2010 Joan Stephenson
First Enterprise Bank, Oklahoma City, OK
September 9, 2010 Stacy Stevens
Pony Express Community Bank
September 10, 2010 Eric Werner
First State Bank, Spearman, TX
September 10, 2010 Ginger Turner
First State Bank, Spearman, TX
September 13, 2010 Greg Strube
Pony Express Community Bank
September 13, 2010 Ray Stipp
Community Bank and Trust, Neosho, MO
September 14, 2010 Carol A. Chastain
United Community Bank, Blairsville, GA
September 15, 2010 Chris S. Caley
Bank of Clarks, Clarks, NE
September 16, 2010 Gary Propheter
Bank of Eastern Oregon, Heppner, OR
September 16, 2010 Raymond Witte
Shell Lake State Bank, Shell Lake, WI
September 16, 2010 Warren T. Biggs
Panola National Bank, Carthage, TX
September 16, 2010 Franklin Weber
State National Bank, Big Spring, TX
September 16, 2010 Traci Molt, Diane Barton, Bonnie Eubanks
Pony Express Community Bank
September 16, 2010 J.H. Herlocker, III
Mineola Community Bank, Mineola, TX
September 16, 2010 Brian "Chip" J. Chippeaux
Century Bank, Santa Fe, NM
September 16, 2010 Kenneth A. Williamson
First Financial Bank, N.A. Mineral Wells, TX
September 16, 2010 LeAnne Harrignton
Cascade Bank, Everett, WA
September 16, 2010 Monte Thiebaud
Dublin National Bank, Dublin, TX
September 17, 2010 Dan Combs
First State Community Bank, Farmington, MO
September 17, 2010 Donna Lee Varner
Gilmer National Bank, Gilmer, TX
September 17, 2010 Peggy Rowden
The Maries County Bank, Vienna, MO
September 18, 2010 John Wassilak
First Community National Bank, Steelville, MO
September 18, 2010 Kenneth Littlefield
Central Bank, Jefferson City, MO
September 20, 2010 Darrell Brown
Community Bancshares of Mississippi, Brandon, MS
16 total near-identical letters submitted individually by representatives of same bank, as of September 29, 2010
September 20, 2010 James M. Ford
PremierWest Bank, Medford, OR
September 20, 2010 Alex O'Brien
Bank of Commerce, Amarillo, TX
September 20, 2010 Adam Courter
Bank of Thayer/Howell County Bank, Thayer, MO
September 20, 2010 John R. Frey
Jersey Shore State Bank, Williamsport, PA
September 20, 2010 Dennis R. Bohnert
First State Community Bank, Farmington, MO
September 20, 2010 Rudolph E. Farber
Community Bank & Trust, Neosho, MO
September 21, 2010 Randy Minshew
First National Bank (various locations)
7 total similar letters submitted individually by representatives of same bank, as of September 21, 2010
September 21, 2010 Mark Williamson
West Texas State Bank, Downtown Snyder, TX
September 21, 2010 Dallas D. Lockridge
Horizon State Bank, Cameron, MO
September 21, 2010 Karen Anderson
Platte Valley Bank
September 21, 2010 Craig DeYoung
Charlotte State Bank, Port Charlotte, FL
September 21, 2010 Jon B. Ruff
First State Bank, Hallsville, TX
September 21, 2010 Judy Fore
Horizon State Bank, Cameron, MO
September 21, 2010 Jimmy Campbell
Community Bank, Fort Worth, TX
September 21, 2010 Tara Youtsey
Horizon State Bank, Cameron, MO
September 21, 2010 Paula Bertels
The Callaway Bank, Fulton, MO
September 21, 2010 Barry Orr
First Bank and Trust, Lubbock, TX
September 22, 2010 Franklin S. Wanjura, Jr.
Lytle State Bank, Lytle, TX
4 similar letters submitted individually by representatives of same bank as of September 22, 2010
September 22, 2010 Jeff Frazier
Vintage Bank, Waxahachie, TX
13 similar letters submitted individually by representatives of same bank as of September 22, 2010
September 22, 2010 Cliff Berg
First National Bank, Wichita Falls, TX
7 similar letters submitted individually by representatives of same bank, as of September 21, 2010
September 22, 2010 Debbie A. LaRue
The Callaway Bank, Fulton, MO
September 22, 2010 Adam J. Witmer
Independent Alliance Banks, Fort Wayne, IN
September 22, 2010 Dennis Parente, et. al
Foxboro Federal Savings, Foxboro, MA
September 22, 2010 Paul J. Henry
First Liberty National Bank, Liberty, TX
September 22, 2010 Twana Billeaudeau
The Bank & Trust, Del Rio, TX
September 22, 2010 Peggy Herzog
Mechanics Bank, Richmond, CA
September 22, 2010 Duncan W. Stewart
Texas Citizens Bank, NA, Pasadena, TX
September 22, 2010 Jennifer Hughes
First Federal Savings, Newark, OH
September 22, 2010 David Zapalac
Fayette Savings Bank, FSB, LaGrange TX
September 22, 2010 Jan Weiberg
Liberty National Bank, Paris TX
September 22, 2010 Jerry Campbell
Town and Country Bank, Stephensville, TX
September 22, 2010 Bill Landiss
First National Bank, Giddings, TX
September 22, 2010 J. Michael Lee
Citizens National Bank of Texas, Waxahachie, TX
September 22, 2010 Darla Rooke
Junction National Bank, Junction, TX
September 22, 2010 Gregory Niemeyer
North Dallas Bank & Trust, Dallas, TX
September 22, 2010 Winona Mowrey
September 23, 2010 Charlie Maddy
Summit Financial Group, Inc., Moorefield, WV
September 23, 2010 Lori Kelley
First Federal, Independence, KS
September 23, 2010 Rhonda McHenry and Kurt Saylor
Morrill & Janes Bank and Trust Company, Merriam, KS
September 23, 2010 Sam Kana
First National Bank, Eagle Lake TX
September 23, 2010 Tammy Phillips
Community Bank of Mississippi, Flowood, MS
September 23, 2010 Cyndi Carmichael
Central Valley Community Bank, Fresno, CA
September 23, 2010 Audrey Roering
Minnesota National Bank, Sauk Centre, MN
September 23, 2010 Terri Stafford
First Community Bank, Lee's Summit, MO
September 23, 2010 Ronald E. Bowden
Iowa-Nebraska State Bank, South Sioux City, NE
September 23, 2010 Mary Fowler
Peoples Bank, Magnolia, AR
September 23, 2010 Elizabeth Rhoades
Vintage Bank, Midlothian, TX
September 23, 2010 Dale Wilson
First State Bank of San Diego, San Diego, TX
September 23, 2010 Mickie L. Gilberson
Central National Bank, Enid, OK
September 23, 2010 Anonymous Banker
September 23, 2010 Mark L. Smith
First Missouri National Bank, Brookfield, MO
September 23, 2010 Reid Sharp
First National Bank of Bastrop, Bastrop, TX
September 23, 2010 Lori Graham
Farmers & Merchants State Bank, Archbold, OH
September 23, 2010 Sharon W. Burran
Woodhaven National Bank, Fort Worth, TX
September 23, 2010 Debby Adair
Woodhaven National Bank, Fort Worth TX
September 23, 2010 Bobbie McMillan
The Commercial Bank, Mason, TX
September 23, 2010 John L. Snider
Shelby Savings Bank, SSB, Center, TX
September 23, 2010 Jay Shands
Diboll State Bancshares, Inc. Diboll, TX
September 23, 2010 Austin Hammett
Vintage Bank, Midlothian, TX
September 23, 2010 Ann Cooksey
Woodhaven National Bank, Rhome TX
September 23, 2010 Drew Lindsey
First State Bank, Clute, TX
2 total similar letters received as of September 23, 2010
September 23, 2010 Greg Studer
Northstar Bank of Texas, Denton TX
September 23, 2010 Tony Whitehead
American State Bank, Lubbock, TX
September 23, 2010 Geneva Patton
Woodhaven National Bank, Fort Worth, TX
September 23, 2010 Harry Zimmerman
American State Bank, Lubbock, TX
September 23, 2010 David M. Gohn
West Plains Bank and Trust Company, West Plains, MO
September 23, 2010 Michael Epps
American State Bank, Lubbock, TX
September 23, 2010 Fay Moore
Bank of Commerce, Amarillo, TX
September 23, 2010 Elsie Gunter
September 23, 2010 Mary Galloway
Mansfield, Community Bank, Mansfield, TX
September 23, 2010 Mark Dennis
FNB Town Square Mortgage, Dallas, TX
September 23, 2010 Catherine Ochs
York State Bank & Trust Company, York, NE
September 23, 2010 Robert Bodio
Milford Federal Savings and Loan Association, Milford, MA
September 23, 2010 Kim Barnes, et al.
The Callaway Bank, Fulton, MO
September 24, 2010 Andrew Kloeckner
Merchants Bank, Burlington, VT
September 24, 2010 Kevin K. Virdell
First State Bank Central Texas, Temple, TX
11 total similar letters submitted individually by representatives of same bank, as of September 24, 2010
September 24, 2010 Todd A. Burton
Austin Bank, Jacksonville, TX
September 24, 2010 Greg Allen
First State Community Bank, Farmington, MO
September 24, 2010 Joshua Spivey
Woodhaven National Bank, Fort Worth, TX
September 24, 2010 Karen Ruckle
Bank of the Ozarks, Little Rock, AR
September 24, 2010 Sam W. Baker
First Bank of Conroe, Conroe, TX
September 24, 2010 Shirley Fiano
Prosperity Bank, St. Augustine, FL
September 24, 2010 Haynes Standard
North Georgia Bank, Watkinsville, GA
September 24, 2010 Amy Jobson
First Missouri National Bank, Brookfield, MO
6 total similar letters submitted individually by representatives of same bank, as of September 24, 2010
September 24, 2010 Mary Ward
Southwest Securities, FSB, Granbury, TX
September 24, 2010 P. Terry Anderegg
Bank Mutual, Milwaukee, WI
September 24, 2010 Alessandro P. DiNello
Flagstar Bank, Troy, MI
September 24, 2010 C. William Roth
Jonestown Bank & Trust Co., Jonestown, PA
September 24, 2010 Anonymous
September 24, 2010 Samantha Edsel
Grandview Bank, Johnson County, TX
September 24, 2010 K.C. Wyatt
Corsicana National Bank and Trust, Corsicana, TX
September 24, 2010 Jennifer Heine
Security National Bank, Laurel, NE
5 total similar letters submitted individually by representatives of same bank, as of September 24, 2010
September 24, 2010

Odean Busby - letter one
Priority One Bank, MaGee, MS
2 total similar letters submitted individually by representatives of same bank, as of September 24, 2010
Odean Busby - letter two

September 24, 2010 Patrick B. O'Neal
Lamar Bank & Trust Company, Lamar, MO
September 24, 2010 Keith Tonnies
Town & Country Bank Midwest, LaBelle, MO
September 24, 2010 Philip M. Durr
Sunflower Bank, N.A. Salina, KS
September 24, 2010 Kinnan J. Stockton & William R. (Chip) Jenkins
The First State Bank, Louise, TX
September 24, 2010 Henry T. Baum
Guilford Savings Bank, Guilford, CT
September 24, 2010 Karen S. Hughes
First National Bank of Wichita Falls, TX
September 24, 2010 Paul Airhart
Security State Bank, Winters, TX
September 24, 2010 Everett Knight
Banterra Bank, Eldorado, IL
September 24, 2010 Michael L. Brown
Mountain National Bank, Seviersville, TN
September 24, 2010 John Herndon
First National Bank, Broken Arrow, OK
September 24, 2010 Diane Foltz
Farmers State Bank, Marion, IA
September 24, 2010 Sammy D. York
Citizens Bank, Kilgore, TX
September 24, 2010 Brian Nicklason
Woodland Bank, Remer, MN
September 24, 2010 Marla Snyder
The Savings Bank, Wakefield, MA
September 24, 2010 Tim Cooper
First State Bank Spearman, Spearman, TX
September 24, 2010 Monte C. Hostetler
The Peoples Bank, Pratt, KS
September 24, 2010 Michael McCoy
Bank of the Carolinas, Advance, NC
September 24, 2010 Anne McKenna
Tioga State Bank, Spencer, NY
September 24, 2010 Kirk Jones
State Bank of Southern Utah, Cedar City, UT
September 24, 2010 Randy Pruisner
Manufacturers Bank & Trust, Forest City, IA
September 24, 2010 Angie Eirich
First Bank Kansas, Salina, KS
September 24, 2010 Will Lucas
Shelby Savings Bank, Center, TX
September 24, 2010 Theresa East
The Community Bank, Bridgeport, TX
September 24, 2010 Linda McKeehan
Comanche National Bank, Comanche, TX
4 total similar letters submitted individually by representatives of same bank, as of September 27, 2010
September 24, 2010 Robert Weinzapfel
Muenster State Bank, Muenster, TX
September 24, 2010 Vernon Bryant
Southwest Bank, Fort Worth, TX
September 24, 2010 M. Neil Zick
Twin City Bank, Longview WA
September 24, 2010 Pat Stalfort
Georgia
September 24, 2010 Tim J. Cooper
First State Bank, Spearman, TX
September 25, 2010 Tim Aiken
Union Bank, Inc., Middlebourne, WV
September 25, 2010 Scott C. Jennings
Summit Financial Group, Inc.
September 26, 2010 Susan Barrett
The Little Bank, Kinston, NC


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Last Updated 10/27/2010 Supervision@FDIC.gov