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



Home > Regulation & Examinations > Laws and Regulations > Overdraft Payment Programs and Consumer Protection



Overdraft Payment Programs and Consumer Protection
Comments Received from Financial Institutions

Comment Letters from:


PDF Help - Information on downloading and using the PDF reader.

Overdraft Payment Programs and Consumer Protection
Comment Letters from Financial Institutions
September 27, 2010 Jeff Crawford
Wood & Huston Bank, Marshall, MO
September 27, 2010 Christina Jones
G.W. Jones Exchange Bank, Marcellus, MI
September 27, 2010 Robert Glunk
Jersey Shore State Bank, Williamsport, PA
September 27, 2010 Jill Stundebeck
Regional Missouri Bank, Keytesville, MO
September 27, 2010 Mark Hodges
Cattleman's National Bank, Round Mountain, TX
September 27, 2010 Suzanne Whittle
Northrim Bank, Anchorage, AK
September 27, 2010 Nancy Baerwald
Country Bank USA, Cando, ND
September 27, 2010 Mark Hewitt
North Woods Bank, Park Rapids, MN
September 27, 2010 Thomas F. Rokisky
CNB Bank, Berkeley Springs, WV
September 27, 2010 Philip Hensley
Union Bank of Mena, Mena, AR
September 27, 2010 Robert Epling
Community Bank of Florida, Homestead, FL
September 27, 2010 Benjamin Beckman
Farmers State Bank of Darwin, Dassel, MN
September 27, 2010 Jeff Pyatt
First Community National Banks, Steelville, MO
September 27, 2010 James Stoner
Welch State Bank, Welch, OK
September 27, 2010 Michael E. Tucker
Greenfield Co-operative Bank, Greenfield, MA
September 27, 2010 Linda Perkins
First Community National Banks, Steelville, MO
September 27, 2010 Jennifer Cash
Manufacturers Bank and Trust Co., Forest City, IA
September 27, 2010 Jamie Shinabarger
Springs Valley Bank & Trust, Jasper IN
September 27, 2010 Nina Moore
Union Bank of Mena, Mena, AR
September 27, 2010 Jolene Bair
First Community National Banks, Cuba, MO
September 27, 2010 Linda Rowe
Union Bank of Mena, Mena, AR
September 27, 2010 Dennis Kutach
First State Bank, Yoakum, TX
September 27, 2010 Cathy Jones
First Community National Banks, Steelville, MO
September 27, 2010 Ann Reusch
Western Reserve Bank, Medina OH
September 27, 2010 Jon Hippler
Moutain West Bank, Coeur d' Alene, ID
September 27, 2010 Paul Ellis
American Heritage Bank, Clovis, NM
September 27, 2010 Dora E. Palmer
Regional Missouri Bank, Keytesville, MO
September 27, 2010 Kem Schwieder
First Community National Banks, Steelville, MO
September 27, 2010 Kent Roth
The Farmers & Merchants State Bank, Archbold, OH
September 27, 2010 Patti Campbell
First Community National Banks, Steelville, MO
September 27, 2010 Lisa Cook
Citizens National Bank, Henderson, TX
September 27, 2010 Gary Gruben
Cattleman's National Bank, Round Mountain, TX
September 27, 2010 Max Johnson
Darwin, MN
September 27, 2010 Alan J. Vickers
First Community National Banks, Steelville, MO
September 27, 2010 David J. Bruce
Mountain West Bank, Boise, ID
September 27, 2010 Jacqueline Bend
First State Bank, Mendota, IL
September 27, 2010 Kerry Johnston
Union Bank of Mena, Mena, AR
September 27, 2010 George W. Schuh
Cattleman's National Bank, Round Mountain, TX
September 27, 2010 J. Andrew Rottner
North Texas Bank, Decatur, TX
September 27, 2010 Rosslyn K. Duncan
Valley Bank of Helena, Helena, MT
September 27, 2010 Jessica Wagnon
Four Corners Community Bank, Farmington, NM
September 27, 2010 Dan Price
Mountain West Bank, Meridian, ID
September 27, 2010 John Cerny
Idaho Independent Bank, Boise, ID
September 27, 2010 Robert J. Larison, Jr.
Atlantic Coast Bank, Jacksonville, FL
September 27, 2010 Rod B. Colwell
Mountain West Bank, Coeur d' Alene, ID
September 27, 2010 Liz Wilson
Mountain West Bank, Coeur d' Alene, ID
September 27, 2010

Leonard Blevins
Peoples Bank of East Tennessee, Madisonville, TN

September 27, 2010 Cortney Collinson
Union Bank, Lake Odessa, MI
September 27, 2010 Jane Bitler
Citizens First Bank, Clinton, IA
September 27, 2010 John Scott Thomson
C US Bank, Cresco, IA
September 27, 2010 Joan Heffelbower
Hastings City Bank, Hastings, MI
September 27, 2010 Roger Cummings
Alliance Bank, Rensselaer, IN
September 27, 2010 Thomas P. Abelman
BankFIRST, Winter Park, FL
September 27, 2010 Jeff W. Dick
MainStreet Bank, Herndon, VA
September 27, 2010 David Conrad
The Citizens National Bank, Putnam, CT
September 27, 2010 Catherine E. Jackson
Citizens State Bank, Waverly, MN
September 27, 2010 David N. Hanson
American State Bank and Trust Company, Williston, ND
September 27, 2010 Steve Holt
Andrew Johnson Bank, Greenville, TN
September 27, 2010 Donald Bernsteel
Fleetwood Bank, Reading, PA
September 27, 2010 Rita McIntosh
The Farmers Bank, Frankfort, IN
September 27, 2010 Howard O. Phillips
Madison County Community Bank, Madison, FL
September 27, 2010 W.R. Butcher
Williamstown, WV
September 27, 2010 Ralph Widmer
Alliance Bank, Monticello, IN
September 27, 2010 Kevin A. Jaquet
HNB Bank, Hannibal, MO
September 27, 2010 Kenton Meier
First State Bank Southwest, Worthington, MN
September 27, 2010 Sandy Perkins
Prime Meridian Bank, Tallahassee, FL
September 27, 2010 Lisa Brown
North Salem State Bank, North Salem, IN
September 27, 2010 Eli Mullis
Guardian Bank, Valdosta, GA
September 27, 2010 Joe Pierce
Farmers State Bank, LaGrange, IN
September 27, 2010 Mary Sulser
Buena Vista National Bank, Chester, IL
September 27, 2010 Derek Williams
First Peoples Bank, Pine Mountain, GA
September 27, 2010 Kathy Fehlig
Midwest Regional Bank, Festus, MO
September 27, 2010 Robert Vavra
Bank Iowa, Shenandoah, IA
September 27, 2010 R. Molitor Ford, Jr.
Commercial Bank and Trust Company, Paris TX
September 27, 2010 Duane Muecke
Iowa State Bank, Orange County, IA
September 27, 2010 Lisa Eadler
Greenville National Bank, Greenville, OH
September 27, 2010 Wade Gort
Premier Bank, Rock Valley, IA
September 27, 2010 Peter Seitz
First Bank, Troy, NC
September 27, 2010 David S. Cowles
BankSouth, Greensboro, GA
September 27, 2010 Tanya Cowan
Buena Vista National Bank, Chester, IL
September 27, 2010 Michael Aloian
Charlotte State Bank, Port Charlotte, FL
September 27, 2010 John Cole
Southwest Georgia Bank, Mouitrie, GA
September 27, 2010 Kara Wells
Industry State Bank, Industry, TX
September 27, 2010 Donna McKey
Coastal Commerce Bank, Houma, LA
September 27, 2010 James Weber
Secuirty National Bank, Osmond, NE
September 27, 2010 David Phillipy
Monroe Bank, Bloomington, IN
September 27, 2010 Kim Chiasson
The Bank, Jennings, LA
September 27, 2010 Emily Drozd - letter one
Emily Drozd - letter two
First State Bank, Yoakum, TX
September 27, 2010 Michael R. Coleman
Apple Creek Banking Company, Apple Creek, OH
September 27, 2010 Larry L. Edwards
Reliance Bank, Altoona, PA
September 27, 2010 Kevin M. Black
Heartland Bank, Gowrie, IA
September 27, 2010 Brian Holst
Ohnward Bankshares, Inc., Bettendorf, IA
September 27, 2010 Mickie Cross
Bank of Putnam County, Cookeville, TN
September 27, 2010 Neil Beckman
Gogebic Range Bank, Ironwood, MI
September 27, 2010 Nesha L. Joyner
The East Carolina Bank, Greenville, NC
September 27, 2010 Miller Couse
Clewistron, FL
September 27, 2010 Monte Layman
The Page valley Bank, Luray, VA
September 27, 2010

Mark Joy
State Bank of Table Rock, Humboldt, NE

September 27, 2010 Kathleen Vogt
Community State Bank, St. Charles, MI
September 27, 2010 Sylvia Hoffpauir
Gulf Coast Bank, Abbeville, LA
September 27, 2010 David Strautz
First State Bank of St. Charles, St. Louis, MO
September 27, 2010 Chester White
Priority One Bank, Brandon, MS
September 27, 2010 Barry L. McCune
Clay County Bank, Clay, WV
September 27, 2010 Scott Carr
Your Community Bank, New Albany, IN
September 27, 2010 John L. Whitehead
Sabine State Bank and Trust Company, Natchitoches, LA
September 27, 2010 Seyed Yadegari
1st Bank, Evanston, WY
September 27, 2010 Marcia Johnson
Glacier Bancorp, Kalispell, MT
September 27, 2010 John Stolfa
Bank of the San Juans, Durango, CO
September 27, 2010 Riley Peveto
First State Bank of Mineral Wells, Mineral Wells, TX
September 27, 2010 Bill Johnson
Texas National Bank, Sweetwater, TX
September 27, 2010 Russell Marshall
First Victoria National Bank, Victoria, TX
September 27, 2010 Kelly A. Gibbons
1st National Bank of Scotia, Scotia, NY
September 27, 2010 Dianna K. Torman
Prairie Community Bank, Marengo, IL
September 27, 2010 Deanna Poole
The Community Bank, Bridgeport, TX
September 27, 2010 Gary Foltz
Mid America Bank, Jefferson City, MO
September 27, 2010 Wayne N. Forgey
Bank of Lee's Summit, Lee's Summit, MO
September 27, 2010 Donald Schlorff
Busey Bank, Urbana, IL
September 27, 2010 Ramona Louviere
Jeff Davis Bank & Trust Company
September 27, 2010 Gary W. Pewitt
Montgomery Bank, NA
September 27, 2010 Vonna Crowley
Southside Bank, Tyler, TX
September 27, 2010 Tommy Richardson
First Federal Bank, Harrison, TX
September 27, 2010 Duane Patton
The Mission Bank, Mission, KS
September 27, 2010 Robert Hoxworth
First National Bank Texas, Killeen, TX
September 27, 2010 Don Giles
Academy Bank, Colorado Springs, CO
Armed Forces Bank, NA, San Diego, CO
September 27, 2010 Lynn Sullivan
Union Bank, NA, San Francisco, CA
September 27, 2010 John Klebba
Legends Bank, Linn, MO
September 27, 2010 Ric Carey
Umpqua Bank, Portland OR
September 27, 2010 Laurel Sykes
Montecito Bank & Trust, Santa Barbara, CA
September 27, 2010 Micah Phillips
Nevada State Bank, Las Vegas NV
September 27, 2010 Alice M. Dittman
Cornhusker Bank, Lincoln, NE
September 27, 2010 Benjamin K. Byrd
Nodaway Valley Bank, St. Joseph, MO
September 27, 2010 Bob Hargrove
The Murray Bank, Murray, KY
September 27, 2010 Brandon Norris
First National Bank, NA, Ruston, LA
September 27, 2010 David McMillan
Southern Bank & Trust, Clarkesville, GA
September 27, 2010 Dan D. Graham
Flora Bank and Trust, Flora, IL
September 27, 2010 E.K. Sleeth
Williamstown Bank, Parkersburg, WV
September 27, 2010 Alan Kleinkopf
Farmers & Merchants Bank & Trust, Burlington, IA
September 27, 2010 Lawrence Foley
Bank of Romney, Romney, WV
September 27, 2010 Jim Goetz
Security First Bank, Mandan, ND
September 27, 2010 Doug Smith
Farmers National Bank of Griggsville, Griggsville, IL
September 27, 2010 Chad Lewis
First Option Bank, Spring Hill KS
September 27, 2010 Gary J. Walter
The Bank, Oberlin, KS
September 27, 2010 Michelle Carton
Community Savings Bank, Manchester, IA
September 27, 2010 David Williamson
Cookesville, TN
September 27, 2010 Laurie Chambers
DeMotte State Bank, DeMotte, IN
September 27, 2010 Kim McCarter
Sevier County Bank, Sevierville, TN
September 27, 2010 William A. Loving
Pendleton Community Bank, Franklin, WV
September 27, 2010 Josh R. Johnson
Farmers State Bank, Darwin, MN
September 27, 2010 Thomas Soenksen
Citizens First Bank, Clinton, IA
September 27, 2010 Kathy Forrest
Citizens First Bank, Clinton, IA
September 27, 2010 Judy Weisgram
American State Bank, Pierre, SD
September 27, 2010 Ron Davis
Armstrong Bank, Muskogee, OK
September 27, 2010 Raymond Welborn
First American Bank, Artesia, NM
September 27, 2010 Patricia Regier
Farmers and Merchants National Bank, Fairview, OK
September 27, 2010 Kayren Owen
Guaranty Bank & Trust Co. New Roads, LA
September 27, 2010 Roger Guerin
Sanford Institution for Savings, Sanford, ME
September 27, 2010 Russell Hughes
First Security Bank, Missoula, MT
September 27, 2010 Scott Everson
The Citizens Bank, Martins Ferry, OH
September 27, 2010 Neva Ritz
Standard Bank, Monroeville, PA
September 27, 2010 Cindy Jones
Coastal Community Bank, Everett, WA
September 27, 2010 Michael G. Hale
First Security Bank, Missoula, MT
September 27, 2010 Rita Zeeryp
Citizens First Bank, Clinton, IA
September 27, 2010 Beth Vaughn
Bank of Dudley, Dublin, GA
September 27, 2010 Jerome Bshara
Sanford Institution for Savings, Sanford, ME
September 27, 2010 Megan Wilson
OakStar Bank, NA, Springfield, MO
September 27, 2010 Leigh Toney
First Security Bank, Missoula, MT
September 27, 2010 Kevin Botma
Providence Bank, Lansing, MI
September 27, 2010 Quentin Leighty
First National Bank, Monument CO
September 27, 2010 Becky Carvill
Tompkins Financial Corporation, Ithica, NY
September 27, 2010 Lance Walker
Mansfield Community Bank, Mansfield, TX
September 27, 2010 William K. Nix
Comanche National Bank, Comanche TX
September 27, 2010 Michael J. Muzio
Stafford Savings Bank, Stafford Springs, CT
September 27, 2010 Larry Burns
The Cowboy Bank of Texas, Maypearl, TX
September 27, 2010 Pat Luther
Community First Banking Company, West Plains, MO
September 27, 2010 Ann Armignacco
Rock Branch Comminuty Bank, Nitro, WV
September 27, 2010 Laura Willbanks
Bartow County Bank, Cartersville, GA
September 27, 2010 Douglas M. Wright
Panhandle State Bank, Spokane, WA
September 27, 2010 Martha Underwood
Priority One Bank, Magee, MS
September 27, 2010 Barry Hansen
Four Corners Community Bank, Farmington, NM
September 27, 2010 David Kercheval
Montezuma State Bank, Montezuma, IA
September 27, 2010 Stanley Tucker
Farmers & Merchants Bank, LaFayette, AL
September 27, 2010 J. Ronald Hypes
First Century Bank, NA, Bluefield, WV
September 27, 2010 Nathan Diepstra
Providence Bank, Elmhurst, IL
September 27, 2010 Janna Zink
Four Corners Community Bank, Bloomfield, NM
September 27, 2010 Elaine McKinney
Fidelity Bank, Wichita Falls, TX
September 27, 2010 Robert Baronner
Bank of Charles Town, Charles Town, WV
September 27, 2010 James Dewhirst
SouthEast Bank & Trust, Athens, TN
September 27, 2010 Rhonda Bartel
Farmers & Merchants Bank, St. Clair, MO
September 27, 2010 Suzan J. Olinger
First Security Bnak of Missoula
September 27, 2010 Anita Schafer
The Farmers State Bank, Holton, KS
September 27, 2010 Lanette Marcum
Mountain West Bank, Meridian, ID
September 27, 2010 Becky A. Miller
Farmers Trust and Savings Bank, Harlan, IA
September 27, 2010 Joe Wachtel
Monitor Bank, Big Prairie, OH
September 27, 2010 Amanda Schliebe
Glacier Bank, Kalispell, MT
September 27, 2010 Keith Wallace
First Federal of Northern Michigan, Alpena, MI
September 27, 2010 George W. Robinson
Pilot Grove Savings Bank, Pilot Grove, IA
September 27, 2010 Mary L. Miller
Citizens Community Bank, Pocatello, ID
September 27, 2010 Angie Johnson
First Bank of Montana, Lewistown, MT
September 27, 2010 Thomas M. O'Brien
First National Bank, Minersville, PA
September 27, 2010 Gregory W. Feldmann
StellarOne Bank, Virginia
September 27, 2010 Don Crosby
Alliant Bank, Pilot Grove, MO
September 27, 2010 Ezra Eckhardt
Sterling Savings Bank, Spokane, WA
September 27, 2010 Karen A. Harrington
Security National Bank, Laurel, NE
September 27, 2010 Sara E. Richardson
Heritage Bank of the Ozarks, Lebanon, MO
September 27, 2010 J. Wade O'Neal, III
Guaranty Bank & Trust Co., New Roads, LA
September 27, 2010 Duane S. Michie
First State Bank and Trust Co., Caruthersville, MO
September 27, 2010 Marvin E. Singleton, III
Citizens National Bank of Texas, Ellis County, TX
September 27, 2010 Clark Hevert
First National Bank in Ord, Ord, NE
September 27, 2010 Becky L. Shupe
Union Bank & Trust Company
September 27, 2010 Thomas Alexander
Providence Bank, South Holland, IL
September 27, 2010 Janeth O. Martin
Valley Bank of Helena, Helena, MT
September 27, 2010 Kris Ausborn
Iowa Trust & Savingsa Bank, Emmetsburg, IA
September 27, 2010 David Hines
Community Bank, Parkersburg, WV
September 27, 2010 Kenneth Grotbo
Security State Bank of Howard Lake, Watertown, MN
September 27, 2010 David Peshek
Belmont Bank & Trust, Chicago, IL
September 27, 2010 Valerie Clowe
Four Corners Community Bank, Farmington, NM
September 27, 2010 Tim Kubli
Bank of Rio Vista, Rio Vista, CA
September 27, 2010 William McQuillan
CNB Community Bank, Greeley, NE
September 27, 2010 Walker Evans
Bank of the Pacific, Bellingham, WA
September 27, 2010 Lindsay T. Akey
Glacier Bank, Whitefish, MT
September 27, 2010 Joseph Vondra
Apple River State Bank, Warren, IL
September 27, 2010 Ken G. Knuteson
First Citizens State Bank, Whitewater, WI
September 27, 2010 Jim Caldwell
First Citizens State Bank, Whitewater, WI
September 27, 2010 Sandy Craven
Providence Bank, Schererville, IN
September 27, 2010 Brian Hobaugh
Four Courners Community Bank, Farmington, NM
September 27, 2010 Susan Steinhoff
Four Corners Community Bank, Farmington, NM
September 27, 2010 Brent Austin
Franklin Bank & Trust Company, Bowling Green, KY
September 27, 2010 Gary L. Kay
Nekoma State Bank, LaCrosse, KS
September 27, 2010 Molly Ponder
HomeTrust Bank, Asheville, NC
September 27, 2010 Deb Goyen
The Peoples Bank, Pratt, KS
September 27, 2010 Amy Hadfield
First National Bank
September 27, 2010 Richard L. Baker
The Peoples Bank, Pratt, KS
September 27, 2010 R. Daniel Blanton
Georgia Bank & Trust, Augusta, GA
September 27, 2010 David L. Morrow
Community FirstBank, Charleston, SC
September 27, 2010 Louise Rakes
Fayette County National Bank, Fayetteville, WV
September 27, 2010 Cindy Anderson and Janeen Van Slyke
Washington Trust Bank, Spokane, WA
September 27, 2010 Paula Gutz
Security National Bank, Osmond, NE
September 27, 2010 David Madrid
Huntington State Bank, Huntington, TX
September 27, 2010 Troy Vanderburg
Peoples Bank, Lubbock, TX
September 27, 2010 Ty Rogers
First Federal Savings Bank of Creston, F.S.B., Creston, IA
September 27, 2010 David Geis
Jackson County Bank, Seymour, IN
September 27, 2010 Tim Thompson
The Commercial Bank, Honea Path, SC
September 27, 2010 Jordan Lichtenberg
Regional Missouri Bank, Marceline, MO
September 27, 2010 C. Scott Greer
Citizens Bank, Elizabethton, TN
September 27, 2010 Cynthia A. VanLuven
Old Mission Bank, Sault Ste. Marie, MI
September 27, 2010 David C. Hostetter
Fulton Financial Corporation, Lancaster, PA
September 27, 2010 Shane Tomlin
Roscoe State Bank, Roscoe, TX
September 27, 2010

Mary Lynn Stafford
First State Bank and Trust Company, Inc. Caruthersville, MO

September 27, 2010 Thomas Garfield
Laconia Savings Bank, Laconia, NH
September 27, 2010 Keith Chambers
Austin Bank Texas N.A., Jacksonville, TN
September 27, 2010 Kristy Bartak and Paul Parliament
Nebraska State Bank, Broken Bow, NE
September 27, 2010 Lois Shamas
Spirit Bank, Tulsa OK
September 27, 2010 Carey Stewart
TexasBank, Brownwood, TX
September 27, 2010 Thomas C. Wooten
Community National Bank, Hondo, TX
September 27, 2010 Michael R. Wiggington
First Freedom Bank, Lebanon, TX
September 27, 2010 Theresa B. Sedlock
Steuben Trust Company, Hornell, NY
September 27, 2010 Lindsey Thebeau
Belgrade State Bank, Potosi, MO
15 total similar letters submitted by employees of Belgrade Bank
September 27, 2010 Eileen Bagnoli
Pioneer Bank, Troy, NY
September 27, 2010 Barry L. Smith
Peoples Trust & Savings Bank, Clive IA
September 27, 2010 James E. Porter
First State Bank of Wilton, Wilton, ND
September 27, 2010 Judy Schade
Lyon County State Bank, Emporia, KS
September 27, 2010 Norman Merritt
Zions Bancorporation, Salt Lake City, UT
September 27, 2010 Philip Toalston
The Peoples Bank, Pratt, KS
September 27, 2010 Barry T. Gober
First State Bank, Graham, TX
September 27, 2010 Jerome W. Schuchart
Jourdanton State Bank, Jourdanton, TX
September 27, 2010 Tommy L. McCullough, Jr.
Fidelity Bank, Wichita Falls, TX
September 27, 2010 Stan Callahan and Chris Newell
Amarillo National Bank, Amarillo, TX
September 27, 2010 Maxwell Sinclair
California Bank & Trust, San Diego, CA

Go to the FDIC Public Information Center to order paper copies of the public file.


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