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Laws and Regulations

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, 2010Becky Miller
Farmers Trust and Savings Bank, IA
August 11, 2010Robert Kernodle, EVP/CIO/CRO
Cornerstone Bank, Wilson NC
August 12, 2010Lori L. Kelley, VP & Sr. Operations Officer
First Federal, Independence, KS
August 12, 2010Donna Bagshaw 
Bank of Edmonson County, Brownsville, KY
August 12, 2010Dana Eckhart, Coordinator VITA/IDA
BVCAA/United Way of the Brazos Valley
College Station, TX
August 12, 2010Rob Sullivan, CFO/VP
Oak Bank, Chicago, IL
August 12, 2010Clark A. Hervert, VP
First National Bank in Ord, Ord, NE
August 16, 2010Larry Neal SVP/Cashier 
Security State Bank Pearsall, TX
August 17, 2010Karen Farah, Vice President/Commerical Banker 
First Atlantic Bank, Jacksonville, FL
August 18, 2010Timothy S. Avery, President & CEO
Scott Valley Bank, Yreka, California
August 23, 2010Cheryl A. Nakashige
Bank of Central Florida, Lakeland, FL
August 25, 2010Ruben Robledo
Citizens State Bank, San Antonio, TX
August 30, 2010Donna M. Stone
First Community Bank of Bedford County
September 1, 2010Lucas R. Moore
Pony Express Community Bank
September 1, 2010Linda D. Means
Pony Express Community Bank
September 2, 2010Robert Means
Pony Express Community Bank
September 3, 2010Barbara Johnson
Pony Express Community Bank
September 3, 2010John Means
Pony Express Community Bank
September 3, 2010Sheldon Hendrix
First Community Bank, Corpus Christi, TX
September 7, 2010Jim Lemon
Friendship State Bank
September 7, 2010Robert Sebaugh
First State Bank of Livingston
September 8, 2010Pete Butcher
Williamstown Bank, Inc. Williamstown, WV
September 8, 2010Thomas Aden
Great American Bank, De Soto, KS
September 9, 2010John Hampton
First Western Bank, Booneville, AR
September 9, 2010Joan Stephenson
First Enterprise Bank, Oklahoma City, OK
September 9, 2010Stacy Stevens
Pony Express Community Bank
September 10, 2010Eric Werner
First State Bank, Spearman, TX
September 10, 2010Ginger Turner
First State Bank, Spearman, TX
September 13, 2010Greg Strube
Pony Express Community Bank
September 13, 2010Ray Stipp
Community Bank and Trust, Neosho, MO
September 14, 2010Carol A. Chastain
United Community Bank, Blairsville, GA
September 15, 2010Chris S. Caley
Bank of Clarks, Clarks, NE
September 16, 2010Gary Propheter
Bank of Eastern Oregon, Heppner, OR
September 16, 2010Raymond Witte
Shell Lake State Bank, Shell Lake, WI
September 16, 2010Warren T. Biggs
Panola National Bank, Carthage, TX
September 16, 2010Franklin Weber
State National Bank, Big Spring, TX
September 16, 2010Traci Molt, Diane Barton, Bonnie Eubanks
Pony Express Community Bank
September 16, 2010J.H. Herlocker, III
Mineola Community Bank, Mineola, TX
September 16, 2010Brian "Chip" J. Chippeaux
Century Bank, Santa Fe, NM
September 16, 2010Kenneth A. Williamson
First Financial Bank, N.A. Mineral Wells, TX
September 16, 2010LeAnne Harrignton
Cascade Bank, Everett, WA
September 16, 2010Monte Thiebaud
Dublin National Bank, Dublin, TX
September 17, 2010Dan Combs
First State Community Bank, Farmington, MO
September 17, 2010Donna Lee Varner
Gilmer National Bank, Gilmer, TX
September 17, 2010Peggy Rowden
The Maries County Bank, Vienna, MO
September 18, 2010John Wassilak
First Community National Bank, Steelville, MO
September 18, 2010Kenneth Littlefield
Central Bank, Jefferson City, MO
September 20, 2010Darrell 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, 2010James M. Ford
PremierWest Bank, Medford, OR
September 20, 2010Alex O'Brien
Bank of Commerce, Amarillo, TX
September 20, 2010Adam Courter
Bank of Thayer/Howell County Bank, Thayer, MO
September 20, 2010John R. Frey
Jersey Shore State Bank, Williamsport, PA
September 20, 2010Dennis R. Bohnert
First State Community Bank, Farmington, MO
September 20, 2010Rudolph E. Farber
Community Bank & Trust, Neosho, MO
September 21, 2010Randy Minshew
First National Bank (various locations)
7 total similar letters submitted individually by representatives of same bank, as of September 21, 2010
 
September 21, 2010Mark Williamson
West Texas State Bank, Downtown Snyder, TX
September 21, 2010Dallas D. Lockridge
Horizon State Bank, Cameron, MO
September 21, 2010Karen Anderson
Platte Valley Bank
September 21, 2010Craig DeYoung
Charlotte State Bank, Port Charlotte, FL
September 21, 2010Jon B. Ruff
First State Bank, Hallsville, TX
September 21, 2010Judy Fore
Horizon State Bank, Cameron, MO
September 21, 2010Jimmy Campbell
Community Bank, Fort Worth, TX
September 21, 2010Tara Youtsey
Horizon State Bank, Cameron, MO
September 21, 2010Paula Bertels
The Callaway Bank, Fulton, MO
September 21, 2010Barry Orr
First Bank and Trust, Lubbock, TX
September 22, 2010Franklin 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, 2010Jeff Frazier
Vintage Bank, Waxahachie, TX
13 similar letters submitted individually by representatives of same bank as of September 22, 2010
 
September 22, 2010Cliff Berg
First National Bank, Wichita Falls, TX 
7 similar letters submitted individually by representatives of same bank, as of September 21, 2010
September 22, 2010Debbie A. LaRue
The Callaway Bank, Fulton, MO
September 22, 2010Adam J. Witmer
Independent Alliance Banks, Fort Wayne, IN
September 22, 2010Dennis Parente, et. al 
Foxboro Federal Savings, Foxboro, MA
September 22, 2010Paul J. Henry
First Liberty National Bank, Liberty, TX
September 22, 2010Twana Billeaudeau
The Bank & Trust, Del Rio, TX
September 22, 2010Peggy Herzog
Mechanics Bank, Richmond, CA
September 22, 2010Duncan W. Stewart
Texas Citizens Bank, NA, Pasadena, TX
September 22, 2010Jennifer Hughes
First Federal Savings, Newark, OH
September 22, 2010David Zapalac
Fayette Savings Bank, FSB, LaGrange TX
September 22, 2010Jan Weiberg
Liberty National Bank, Paris TX
September 22, 2010Jerry Campbell
Town and Country Bank, Stephensville, TX
September 22, 2010Bill Landiss
First National Bank, Giddings, TX
September 22, 2010J. Michael Lee
Citizens National Bank of Texas, Waxahachie, TX
September 22, 2010Darla Rooke
Junction National Bank, Junction, TX
September 22, 2010Gregory Niemeyer
North Dallas Bank & Trust, Dallas, TX
September 22, 2010Winona Mowrey
September 23, 2010Charlie Maddy
Summit Financial Group, Inc., Moorefield, WV
September 23, 2010Lori Kelley
First Federal, Independence, KS
September 23, 2010Rhonda McHenry and Kurt Saylor
Morrill & Janes Bank and Trust Company, Merriam, KS
September 23, 2010Sam Kana
First National Bank, Eagle Lake TX
September 23, 2010Tammy Phillips
Community Bank of Mississippi, Flowood, MS
September 23, 2010Cyndi Carmichael
Central Valley Community Bank, Fresno, CA
September 23, 2010Audrey Roering
Minnesota National Bank, Sauk Centre, MN
September 23, 2010Terri Stafford
First Community Bank, Lee's Summit, MO
September 23, 2010Ronald E. Bowden
Iowa-Nebraska State Bank, South Sioux City, NE
September 23, 2010Mary Fowler
Peoples Bank, Magnolia, AR
September 23, 2010Elizabeth Rhoades
Vintage Bank, Midlothian, TX
September 23, 2010Dale Wilson
First State Bank of San Diego, San Diego, TX
September 23, 2010Mickie L. Gilberson
Central National Bank, Enid, OK
September 23, 2010Anonymous Banker
September 23, 2010Mark L. Smith
First Missouri National Bank, Brookfield, MO
September 23, 2010Reid Sharp
First National Bank of Bastrop, Bastrop, TX
September 23, 2010Lori Graham
Farmers & Merchants State Bank, Archbold, OH
September 23, 2010Sharon W. Burran
Woodhaven National Bank, Fort Worth, TX
September 23, 2010Debby Adair
Woodhaven National Bank, Fort Worth TX
September 23, 2010Bobbie McMillan
The Commercial Bank, Mason, TX
September 23, 2010John L. Snider
Shelby Savings Bank, SSB, Center, TX
September 23, 2010Jay Shands
Diboll State Bancshares, Inc. Diboll, TX
September 23, 2010Austin Hammett
Vintage Bank, Midlothian, TX
September 23, 2010Ann Cooksey
Woodhaven National Bank, Rhome TX
September 23, 2010Drew Lindsey
First State Bank, Clute, TX
2 total similar letters received as of September 23, 2010
September 23, 2010Greg Studer
Northstar Bank of Texas, Denton TX
September 23, 2010Tony Whitehead
American State Bank, Lubbock, TX
September 23, 2010Geneva Patton
Woodhaven National Bank, Fort Worth, TX
September 23, 2010Harry Zimmerman
American State Bank, Lubbock, TX
September 23, 2010David M. Gohn
West Plains Bank and Trust Company, West Plains, MO
September 23, 2010Michael Epps
American State Bank, Lubbock, TX
September 23, 2010Fay Moore
Bank of Commerce, Amarillo, TX
September 23, 2010Elsie Gunter
September 23, 2010Mary Galloway
Mansfield, Community Bank, Mansfield, TX
September 23, 2010Mark Dennis
FNB Town Square Mortgage, Dallas, TX
September 23, 2010Catherine Ochs
York State Bank & Trust Company, York, NE
September 23, 2010Robert Bodio
Milford Federal Savings and Loan Association, Milford, MA
September 23, 2010Kim Barnes, et al.
The Callaway Bank, Fulton, MO
September 24, 2010Andrew Kloeckner
Merchants Bank, Burlington, VT
September 24, 2010Kevin 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, 2010Todd A. Burton
Austin Bank, Jacksonville, TX
September 24, 2010Greg Allen
First State Community Bank, Farmington, MO
September 24, 2010Joshua Spivey
Woodhaven National Bank, Fort Worth, TX
September 24, 2010Karen Ruckle
Bank of the Ozarks, Little Rock, AR
September 24, 2010Sam W. Baker
First Bank of Conroe, Conroe, TX
September 24, 2010Shirley Fiano
Prosperity Bank, St. Augustine, FL
September 24, 2010Haynes Standard
North Georgia Bank, Watkinsville, GA
September 24, 2010Amy 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, 2010Mary Ward
Southwest Securities, FSB, Granbury, TX
September 24, 2010P. Terry Anderegg
Bank Mutual, Milwaukee, WI
September 24, 2010Alessandro P. DiNello
Flagstar Bank, Troy, MI
September 24, 2010C. William Roth
Jonestown Bank & Trust Co., Jonestown, PA
September 24, 2010Anonymous
September 24, 2010Samantha Edsel
Grandview Bank, Johnson County, TX
September 24, 2010K.C. Wyatt
Corsicana National Bank and Trust, Corsicana, TX
 
September 24, 2010Jennifer Heine
Security National Bank, Laurel, NE
5 total similar letters submitted individually by representatives of same bank, as of September 24, 2010
September 24, 2010Odean 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, 2010Patrick B. O'Neal
Lamar Bank & Trust Company, Lamar, MO
September 24, 2010Keith Tonnies
Town & Country Bank Midwest, LaBelle, MO
September 24, 2010Philip M. Durr
Sunflower Bank, N.A. Salina, KS
September 24, 2010Kinnan J. Stockton & William R. (Chip) Jenkins
The First State Bank, Louise, TX
September 24, 2010Henry T. Baum
Guilford Savings Bank, Guilford, CT
September 24, 2010Karen S. Hughes
First National Bank of Wichita Falls, TX
September 24, 2010Paul Airhart
Security State Bank, Winters, TX
September 24, 2010Everett Knight
Banterra Bank, Eldorado, IL
September 24, 2010Michael L. Brown
Mountain National Bank, Seviersville, TN
September 24, 2010John Herndon
First National Bank, Broken Arrow, OK
September 24, 2010Diane Foltz
Farmers State Bank, Marion, IA
September 24, 2010Sammy D. York
Citizens Bank, Kilgore, TX
September 24, 2010Brian Nicklason
Woodland Bank, Remer, MN
September 24, 2010Marla Snyder
The Savings Bank, Wakefield, MA
September 24, 2010Tim Cooper
First State Bank Spearman, Spearman, TX
September 24, 2010Monte C. Hostetler
The Peoples Bank, Pratt, KS
September 24, 2010Michael McCoy
Bank of the Carolinas, Advance, NC
September 24, 2010Anne McKenna
Tioga State Bank, Spencer, NY
September 24, 2010Kirk Jones
State Bank of Southern Utah, Cedar City, UT
September 24, 2010Randy Pruisner
Manufacturers Bank & Trust, Forest City, IA
September 24, 2010Angie Eirich
First Bank Kansas, Salina, KS
September 24, 2010Will Lucas
Shelby Savings Bank, Center, TX
September 24, 2010Theresa East
The Community Bank, Bridgeport, TX
September 24, 2010Linda McKeehan
Comanche National Bank, Comanche, TX
4 total similar letters submitted individually by representatives of same bank, as of September 27, 2010
September 24, 2010Robert Weinzapfel
Muenster State Bank, Muenster, TX 
 
September 24, 2010Vernon Bryant
Southwest Bank, Fort Worth, TX
September 24, 2010M. Neil Zick
Twin City Bank, Longview WA
September 24, 2010Pat Stalfort
Georgia
September 24, 2010Tim J. Cooper
First State Bank, Spearman, TX
September 25, 2010Tim Aiken
Union Bank, Inc., Middlebourne, WV
September 25, 2010Scott C. Jennings
Summit Financial Group, Inc.
September 26, 2010Susan Barrett
The Little Bank, Kinston, NC

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

Last Updated: October 27, 2010