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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
September 27, 2010Jeff Crawford
Wood & Huston Bank, Marshall, MO
September 27, 2010Christina Jones
G.W. Jones Exchange Bank, Marcellus, MI
September 27, 2010Robert Glunk
Jersey Shore State Bank, Williamsport, PA
September 27, 2010Jill Stundebeck
Regional Missouri Bank, Keytesville, MO
September 27, 2010Mark Hodges
Cattleman's National Bank, Round Mountain, TX
September 27, 2010Suzanne Whittle
Northrim Bank, Anchorage, AK
September 27, 2010Nancy Baerwald
Country Bank USA, Cando, ND
September 27, 2010Mark Hewitt
North Woods Bank, Park Rapids, MN
September 27, 2010Thomas F. Rokisky
CNB Bank, Berkeley Springs, WV
September 27, 2010Philip Hensley
Union Bank of Mena, Mena, AR
September 27, 2010Robert Epling
Community Bank of Florida, Homestead, FL
September 27, 2010Benjamin Beckman
Farmers State Bank of Darwin, Dassel, MN
September 27, 2010Jeff Pyatt
First Community National Banks, Steelville, MO 
 
September 27, 2010James Stoner
Welch State Bank, Welch, OK
September 27, 2010Michael E. Tucker
Greenfield Co-operative Bank, Greenfield, MA
September 27, 2010Linda Perkins
First Community National Banks, Steelville, MO 
 
September 27, 2010Jennifer Cash
Manufacturers Bank and Trust Co., Forest City, IA
September 27, 2010Jamie Shinabarger
Springs Valley Bank & Trust, Jasper IN
September 27, 2010Nina Moore
Union Bank of Mena, Mena, AR
September 27, 2010Jolene Bair
First Community National Banks, Cuba, MO 
 
September 27, 2010Linda Rowe
Union Bank of Mena, Mena, AR
September 27, 2010Dennis Kutach
First State Bank, Yoakum, TX
September 27, 2010Cathy Jones
First Community National Banks, Steelville, MO 
 
September 27, 2010Ann Reusch
Western Reserve Bank, Medina OH
September 27, 2010Jon Hippler
Moutain West Bank, Coeur d' Alene, ID
September 27, 2010Paul Ellis
American Heritage Bank, Clovis, NM
September 27, 2010Dora E. Palmer
Regional Missouri Bank, Keytesville, MO
September 27, 2010Kem Schwieder
First Community National Banks, Steelville, MO 
 
September 27, 2010Kent Roth
The Farmers & Merchants State Bank, Archbold, OH
September 27, 2010Patti Campbell
First Community National Banks, Steelville, MO 
 
September 27, 2010Lisa Cook
Citizens National Bank, Henderson, TX
September 27, 2010Gary Gruben
Cattleman's National Bank, Round Mountain, TX
 
September 27, 2010Max Johnson
Darwin, MN
September 27, 2010Alan J. Vickers
First Community National Banks, Steelville, MO
 
September 27, 2010David J. Bruce
Mountain West Bank, Boise, ID
September 27, 2010Jacqueline Bend
First State Bank, Mendota, IL
September 27, 2010Kerry Johnston
Union Bank of Mena, Mena, AR
September 27, 2010George W. Schuh
Cattleman's National Bank, Round Mountain, TX
September 27, 2010J. Andrew Rottner
North Texas Bank, Decatur, TX 
 
September 27, 2010Rosslyn K. Duncan
Valley Bank of Helena, Helena, MT
September 27, 2010Jessica Wagnon
Four Corners Community Bank, Farmington, NM
 
September 27, 2010Dan Price
Mountain West Bank, Meridian, ID
September 27, 2010John Cerny
Idaho Independent Bank, Boise, ID
September 27, 2010Robert J. Larison, Jr.
Atlantic Coast Bank, Jacksonville, FL
September 27, 2010Rod B. Colwell
Mountain West Bank, Coeur d' Alene, ID
September 27, 2010Liz Wilson
Mountain West Bank, Coeur d' Alene, ID
September 27, 2010Leonard Blevins
Peoples Bank of East Tennessee, Madisonville, TN
September 27, 2010Cortney Collinson
Union Bank, Lake Odessa, MI
September 27, 2010Jane Bitler
Citizens First Bank, Clinton, IA
September 27, 2010John Scott Thomson
C US Bank, Cresco, IA
 
September 27, 2010Joan Heffelbower
Hastings City Bank, Hastings, MI
September 27, 2010Roger Cummings
Alliance Bank, Rensselaer, IN
September 27, 2010Thomas P. Abelman
BankFIRST, Winter Park, FL
September 27, 2010Jeff W. Dick
MainStreet Bank, Herndon, VA
September 27, 2010David Conrad
The Citizens National Bank, Putnam, CT
September 27, 2010Catherine E. Jackson
Citizens State Bank, Waverly, MN
September 27, 2010David N. Hanson
American State Bank and Trust Company, Williston, ND
September 27, 2010Steve Holt
Andrew Johnson Bank, Greenville, TN
September 27, 2010Donald Bernsteel
Fleetwood Bank, Reading, PA
September 27, 2010Rita McIntosh
The Farmers Bank, Frankfort, IN
September 27, 2010Howard O. Phillips
Madison County Community Bank, Madison, FL
September 27, 2010W.R. Butcher
Williamstown, WV
September 27, 2010Ralph Widmer
Alliance Bank, Monticello, IN
September 27, 2010Kevin A. Jaquet
HNB Bank, Hannibal, MO
September 27, 2010Kenton Meier
First State Bank Southwest, Worthington, MN
September 27, 2010Sandy Perkins
Prime Meridian Bank, Tallahassee, FL
September 27, 2010Lisa Brown
North Salem State Bank, North Salem, IN
September 27, 2010Eli Mullis
Guardian Bank, Valdosta, GA
September 27, 2010Joe Pierce
Farmers State Bank, LaGrange, IN
September 27, 2010Mary Sulser
Buena Vista National Bank, Chester, IL
September 27, 2010Derek Williams
First Peoples Bank, Pine Mountain, GA
September 27, 2010Kathy Fehlig
Midwest Regional Bank, Festus, MO
September 27, 2010Robert Vavra
Bank Iowa, Shenandoah, IA
September 27, 2010R. Molitor Ford, Jr. 
Commercial Bank and Trust Company, Paris TX
September 27, 2010Duane Muecke
Iowa State Bank, Orange County, IA
September 27, 2010Lisa Eadler
Greenville National Bank, Greenville, OH
September 27, 2010Wade Gort
Premier Bank, Rock Valley, IA
September 27, 2010Peter Seitz
First Bank, Troy, NC
September 27, 2010David S. Cowles
BankSouth, Greensboro, GA
September 27, 2010Tanya Cowan
Buena Vista National Bank, Chester, IL
September 27, 2010Michael Aloian
Charlotte State Bank, Port Charlotte, FL
September 27, 2010John Cole
Southwest Georgia Bank, Mouitrie, GA
September 27, 2010Kara Wells
Industry State Bank, Industry, TX
September 27, 2010Donna McKey
Coastal Commerce Bank, Houma, LA
September 27, 2010James Weber
Secuirty National Bank, Osmond, NE
September 27, 2010David Phillipy
Monroe Bank, Bloomington, IN
September 27, 2010Kim Chiasson
The Bank, Jennings, LA
September 27, 2010Emily Drozd - letter one 
Emily Drozd - letter two
First State Bank, Yoakum, TX
September 27, 2010Michael R. Coleman
Apple Creek Banking Company, Apple Creek, OH
September 27, 2010Larry L. Edwards
Reliance Bank, Altoona, PA
September 27, 2010Kevin M. Black
Heartland Bank, Gowrie, IA
September 27, 2010Brian Holst
Ohnward Bankshares, Inc., Bettendorf, IA
September 27, 2010Mickie Cross
Bank of Putnam County, Cookeville, TN
September 27, 2010Neil Beckman
Gogebic Range Bank, Ironwood, MI
September 27, 2010Nesha L. Joyner
The East Carolina Bank, Greenville, NC
September 27, 2010Miller Couse
Clewistron, FL
September 27, 2010Monte Layman
The Page valley Bank, Luray, VA
September 27, 2010Mark Joy
State Bank of Table Rock, Humboldt, NE
September 27, 2010Kathleen Vogt
Community State Bank, St. Charles, MI
September 27, 2010Sylvia Hoffpauir
Gulf Coast Bank, Abbeville, LA
September 27, 2010David Strautz
First State Bank of St. Charles, St. Louis, MO
September 27, 2010Chester White
Priority One Bank, Brandon, MS
September 27, 2010Barry L. McCune
Clay County Bank, Clay, WV
September 27, 2010Scott Carr
Your Community Bank, New Albany, IN
 
September 27, 2010John L. Whitehead
Sabine State Bank and Trust Company, Natchitoches, LA
September 27, 2010Seyed Yadegari
1st Bank, Evanston, WY
September 27, 2010Marcia Johnson
Glacier Bancorp, Kalispell, MT
September 27, 2010John Stolfa
Bank of the San Juans, Durango, CO
September 27, 2010Riley Peveto
First State Bank of Mineral Wells, Mineral Wells, TX
September 27, 2010Bill Johnson
Texas National Bank, Sweetwater, TX
September 27, 2010Russell Marshall
First Victoria National Bank, Victoria, TX
September 27, 2010Kelly A. Gibbons
1st National Bank of Scotia, Scotia, NY
September 27, 2010Dianna K. Torman
Prairie Community Bank, Marengo, IL
September 27, 2010Deanna Poole
The Community Bank, Bridgeport, TX
September 27, 2010Gary Foltz
Mid America Bank, Jefferson City, MO
September 27, 2010Wayne N. Forgey
Bank of Lee's Summit, Lee's Summit, MO
September 27, 2010Donald Schlorff
Busey Bank, Urbana, IL
September 27, 2010Ramona Louviere
Jeff Davis Bank & Trust Company
September 27, 2010Gary W. Pewitt
Montgomery Bank, NA
September 27, 2010Vonna Crowley
Southside Bank, Tyler, TX
September 27, 2010Tommy Richardson
First Federal Bank, Harrison, TX
September 27, 2010Duane Patton
The Mission Bank, Mission, KS
September 27, 2010Robert Hoxworth
First National Bank Texas, Killeen, TX
September 27, 2010Don Giles
Academy Bank, Colorado Springs, CO
Armed Forces Bank, NA, San Diego, CO
September 27, 2010Lynn Sullivan
Union Bank, NA, San Francisco, CA
September 27, 2010John Klebba
Legends Bank, Linn, MO
September 27, 2010Ric Carey
Umpqua Bank, Portland OR
September 27, 2010Laurel Sykes
Montecito Bank & Trust, Santa Barbara, CA
September 27, 2010Micah Phillips
Nevada State Bank, Las Vegas NV
September 27, 2010Alice M. Dittman
Cornhusker Bank, Lincoln, NE
September 27, 2010Benjamin K. Byrd
Nodaway Valley Bank, St. Joseph, MO
September 27, 2010Bob Hargrove
The Murray Bank, Murray, KY
September 27, 2010Brandon Norris
First National Bank, NA, Ruston, LA
September 27, 2010David McMillan
Southern Bank & Trust, Clarkesville, GA
September 27, 2010Dan D. Graham
Flora Bank and Trust, Flora, IL
September 27, 2010E.K. Sleeth
Williamstown Bank, Parkersburg, WV
September 27, 2010Alan Kleinkopf
Farmers & Merchants Bank & Trust, Burlington, IA
September 27, 2010Lawrence Foley
Bank of Romney, Romney, WV
September 27, 2010Jim Goetz
Security First Bank, Mandan, ND
September 27, 2010Doug Smith
Farmers National Bank of Griggsville, Griggsville, IL
September 27, 2010Chad Lewis
First Option Bank, Spring Hill KS
September 27, 2010Gary J. Walter
The Bank, Oberlin, KS
September 27, 2010Michelle Carton
Community Savings Bank, Manchester, IA
September 27, 2010David Williamson
Cookesville, TN
September 27, 2010Laurie Chambers
DeMotte State Bank, DeMotte, IN
September 27, 2010Kim McCarter
Sevier County Bank, Sevierville, TN
September 27, 2010William A. Loving
Pendleton Community Bank, Franklin, WV
September 27, 2010Josh R. Johnson
Farmers State Bank, Darwin, MN
September 27, 2010Thomas Soenksen
Citizens First Bank, Clinton, IA
September 27, 2010Kathy Forrest
Citizens First Bank, Clinton, IA
September 27, 2010Judy Weisgram
American State Bank, Pierre, SD
September 27, 2010Ron Davis
Armstrong Bank, Muskogee, OK
September 27, 2010Raymond Welborn
First American Bank, Artesia, NM
September 27, 2010Patricia Regier
Farmers and Merchants National Bank, Fairview, OK
September 27, 2010Kayren Owen
Guaranty Bank & Trust Co. New Roads, LA
September 27, 2010Roger Guerin
Sanford Institution for Savings, Sanford, ME
September 27, 2010Russell Hughes
First Security Bank, Missoula, MT
September 27, 2010Scott Everson
The Citizens Bank, Martins Ferry, OH
September 27, 2010Neva Ritz
Standard Bank, Monroeville, PA
September 27, 2010Cindy Jones
Coastal Community Bank, Everett, WA
September 27, 2010Michael G. Hale
First Security Bank, Missoula, MT
September 27, 2010Rita Zeeryp
Citizens First Bank, Clinton, IA
September 27, 2010Beth Vaughn
Bank of Dudley, Dublin, GA
September 27, 2010Jerome Bshara
Sanford Institution for Savings, Sanford, ME
September 27, 2010Megan Wilson
OakStar Bank, NA, Springfield, MO
September 27, 2010Leigh Toney
First Security Bank, Missoula, MT
 
September 27, 2010Kevin Botma
Providence Bank, Lansing, MI
September 27, 2010Quentin Leighty
First National Bank, Monument CO
September 27, 2010Becky Carvill
Tompkins Financial Corporation, Ithica, NY
September 27, 2010Lance Walker
Mansfield Community Bank, Mansfield, TX
September 27, 2010William K. Nix
Comanche National Bank, Comanche TX
September 27, 2010Michael J. Muzio
Stafford Savings Bank, Stafford Springs, CT
September 27, 2010Larry Burns
The Cowboy Bank of Texas, Maypearl, TX
September 27, 2010Pat Luther
Community First Banking Company, West Plains, MO
September 27, 2010Ann Armignacco
Rock Branch Comminuty Bank, Nitro, WV
September 27, 2010Laura Willbanks
Bartow County Bank, Cartersville, GA
September 27, 2010Douglas M. Wright
Panhandle State Bank, Spokane, WA
September 27, 2010Martha Underwood
Priority One Bank, Magee, MS
September 27, 2010Barry Hansen
Four Corners Community Bank, Farmington, NM
September 27, 2010David Kercheval
Montezuma State Bank, Montezuma, IA
September 27, 2010Stanley Tucker
Farmers & Merchants Bank, LaFayette, AL
September 27, 2010J. Ronald Hypes
First Century Bank, NA, Bluefield, WV
September 27, 2010Nathan Diepstra
Providence Bank, Elmhurst, IL
September 27, 2010Janna Zink
Four Corners Community Bank, Bloomfield, NM
September 27, 2010Elaine McKinney
Fidelity Bank, Wichita Falls, TX
September 27, 2010Robert Baronner
Bank of Charles Town, Charles Town, WV
September 27, 2010James Dewhirst
SouthEast Bank & Trust, Athens, TN
September 27, 2010Rhonda Bartel
Farmers & Merchants Bank, St. Clair, MO
September 27, 2010Suzan J. Olinger
First Security Bnak of Missoula
September 27, 2010Anita Schafer
The Farmers State Bank, Holton, KS
September 27, 2010Lanette Marcum
Mountain West Bank, Meridian, ID
September 27, 2010Becky A. Miller
Farmers Trust and Savings Bank, Harlan, IA
September 27, 2010Joe Wachtel
Monitor Bank, Big Prairie, OH
September 27, 2010Amanda Schliebe
Glacier Bank, Kalispell, MT
September 27, 2010Keith Wallace
First Federal of Northern Michigan, Alpena, MI
September 27, 2010George W. Robinson
Pilot Grove Savings Bank, Pilot Grove, IA
September 27, 2010Mary L. Miller
Citizens Community Bank, Pocatello, ID
September 27, 2010Angie Johnson
First Bank of Montana, Lewistown, MT
September 27, 2010Thomas M. O'Brien
First National Bank, Minersville, PA
September 27, 2010Gregory W. Feldmann
StellarOne Bank, Virginia
September 27, 2010Don Crosby
Alliant Bank, Pilot Grove, MO
September 27, 2010Ezra Eckhardt
Sterling Savings Bank, Spokane, WA
September 27, 2010Karen A. Harrington
Security National Bank, Laurel, NE
September 27, 2010Sara E. Richardson
Heritage Bank of the Ozarks, Lebanon, MO
September 27, 2010J. Wade O'Neal, III
Guaranty Bank & Trust Co., New Roads, LA
September 27, 2010Duane S. Michie
First State Bank and Trust Co., Caruthersville, MO
September 27, 2010Marvin E. Singleton, III
Citizens National Bank of Texas, Ellis County, TX
September 27, 2010Clark Hevert
First National Bank in Ord, Ord, NE
September 27, 2010Becky L. Shupe
Union Bank & Trust Company
September 27, 2010Thomas Alexander
Providence Bank, South Holland, IL
September 27, 2010Janeth O. Martin
Valley Bank of Helena, Helena, MT
September 27, 2010Kris Ausborn
Iowa Trust & Savingsa Bank, Emmetsburg, IA
September 27, 2010David Hines
Community Bank, Parkersburg, WV 
 
September 27, 2010Kenneth Grotbo
Security State Bank of Howard Lake, Watertown, MN 
 
September 27, 2010David Peshek
Belmont Bank & Trust, Chicago, IL
September 27, 2010Valerie Clowe
Four Corners Community Bank, Farmington, NM
September 27, 2010Tim Kubli
Bank of Rio Vista, Rio Vista, CA
September 27, 2010William McQuillan
CNB Community Bank, Greeley, NE
September 27, 2010Walker Evans
Bank of the Pacific, Bellingham, WA
September 27, 2010Lindsay T. Akey
Glacier Bank, Whitefish, MT
September 27, 2010Joseph Vondra
Apple River State Bank, Warren, IL
September 27, 2010Ken G. Knuteson
First Citizens State Bank, Whitewater, WI
September 27, 2010Jim Caldwell
First Citizens State Bank, Whitewater, WI
September 27, 2010Sandy Craven
Providence Bank, Schererville, IN
September 27, 2010Brian Hobaugh
Four Courners Community Bank, Farmington, NM
September 27, 2010Susan Steinhoff
Four Corners Community Bank, Farmington, NM
September 27, 2010Brent Austin
Franklin Bank & Trust Company, Bowling Green, KY
September 27, 2010Gary L. Kay
Nekoma State Bank, LaCrosse, KS
September 27, 2010Molly Ponder
HomeTrust Bank, Asheville, NC
September 27, 2010Deb Goyen
The Peoples Bank, Pratt, KS
September 27, 2010Amy Hadfield
First National Bank
September 27, 2010Richard L. Baker
The Peoples Bank, Pratt, KS
September 27, 2010R. Daniel Blanton
Georgia Bank & Trust, Augusta, GA
September 27, 2010David L. Morrow
Community FirstBank, Charleston, SC
September 27, 2010Louise Rakes
Fayette County National Bank, Fayetteville, WV
September 27, 2010Cindy Anderson and Janeen Van Slyke
Washington Trust Bank, Spokane, WA
September 27, 2010Paula Gutz
Security National Bank, Osmond, NE
September 27, 2010David Madrid
Huntington State Bank, Huntington, TX
September 27, 2010Troy Vanderburg
Peoples Bank, Lubbock, TX
September 27, 2010Ty Rogers
First Federal Savings Bank of Creston, F.S.B., Creston, IA
 
September 27, 2010David Geis
Jackson County Bank, Seymour, IN 
 
September 27, 2010Tim Thompson
The Commercial Bank, Honea Path, SC
September 27, 2010Jordan Lichtenberg
Regional Missouri Bank, Marceline, MO
September 27, 2010C. Scott Greer
Citizens Bank, Elizabethton, TN
September 27, 2010Cynthia A. VanLuven
Old Mission Bank, Sault Ste. Marie, MI
September 27, 2010David C. Hostetter
Fulton Financial Corporation, Lancaster, PA
September 27, 2010Shane Tomlin
Roscoe State Bank, Roscoe, TX
September 27, 2010Mary Lynn Stafford
First State Bank and Trust Company, Inc. Caruthersville, MO
September 27, 2010Thomas Garfield
Laconia Savings Bank, Laconia, NH
September 27, 2010Keith Chambers
Austin Bank Texas N.A., Jacksonville, TN
September 27, 2010Kristy Bartak and Paul Parliament
Nebraska State Bank, Broken Bow, NE
September 27, 2010Lois Shamas
Spirit Bank, Tulsa OK
September 27, 2010Carey Stewart
TexasBank, Brownwood, TX
September 27, 2010Thomas C. Wooten
Community National Bank, Hondo, TX
September 27, 2010Michael R. Wiggington
First Freedom Bank, Lebanon, TX
September 27, 2010Theresa B. Sedlock
Steuben Trust Company, Hornell, NY
September 27, 2010Lindsey Thebeau
Belgrade State Bank, Potosi, MO
15 total similar letters submitted by employees of Belgrade Bank 
 
September 27, 2010Eileen Bagnoli
Pioneer Bank, Troy, NY
September 27, 2010Barry L. Smith
Peoples Trust & Savings Bank, Clive IA
September 27, 2010James E. Porter
First State Bank of Wilton, Wilton, ND
September 27, 2010Judy Schade
Lyon County State Bank, Emporia, KS
September 27, 2010Norman Merritt
Zions Bancorporation, Salt Lake City, UT
September 27, 2010Philip Toalston
The Peoples Bank, Pratt, KS
September 27, 2010Barry T. Gober
First State Bank, Graham, TX
September 27, 2010Jerome W. Schuchart
Jourdanton State Bank, Jourdanton, TX
September 27, 2010Tommy L. McCullough, Jr.
Fidelity Bank, Wichita Falls, TX
September 27, 2010Stan Callahan and Chris Newell
Amarillo National Bank, Amarillo, TX
September 27, 2010Maxwell Sinclair
California Bank & Trust, San Diego, CA

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

Last Updated: October 27, 2010