The First National Bank of Valentine

The First National Bank of Valentine is FDIC insured. This means that in the event of a bank failure, federal deposit insurance protects deposits that are payable in the United States. All types of deposits received by a financial institution in its usual course of business are insured. For example, savings deposits, checking deposits, deposits in NOW accounts, Christmas Club accounts, and time deposits (including certificates of deposit, which are sometimes called "CDs") are all insured deposits. Cashiers' checks, officers' checks, expense checks, loan disbursement checks, interest checks, outstanding drafts, negotiable instruments and money orders drawn on the institution also are insured. Collectively, these types of instruments are referred to as "official checks." Certified checks, letters of credit, and travelers' checks, for which an insured depository institution is primarily liable, also are insured when issued in exchange for money or its equivalent, or for a charge against a deposit account. Securities, mutual funds, and similar types of investments are not covered by deposit insurance. Creditors (other than depositors) and shareholders of a failed bank or savings association are not protected by federal deposit insurance.

Also, to see The First National Bank of Valentine's FDIC Certification and other financial information, click here.

Safeguarding information in the age of technology presents new challenges for all of us. But at The First National Bank of Valentine, your trust is our greatest asset. For that reason, we have adopted strong privacy guidelines to ensure that any private financial information you share with us is protected and held in confidence. Our employees are highly trained and are held to the highest standards of conduct. We use security procedures that are state of the art. Confidentiality is the key to our mission.

When we do use customer information, it is to help serve you better. For example, we use information to detect and stop fraud and criminal activity. Sharing information internally or with business partners is also necessary to deliver everyday conveniences, like ATM access and streamlined customer service. It also helps us to appreciate all the business you have with our bank and to identify affordable products and services that might serve you better.

Ultimately, privacy is a partnership. You, too, can take steps to secure your personal information by following these tips developed by the American Bankers:

Don't give your Social Security or account numbers to anyone over the phone unless you initiated the call.
Tear up old receipts, old bank statements and unused credit card offers before throwing them away. Crooks could steal information from your trash and use it to get credit in your name.
Keep track of your mail. If a statement, check, or bill is missing, someone may have changed your billing address. Don't mail bills from your mailbox, drop them in a post box or at the post office.
Review your bank and credit card statements as soon as you receive them to check for unauthorized transactions.
Protect your PINs and computer passwords; use a combination of letters and numbers and change them often. Never carry this information with you!
Don't open e-mail attachments unless you know what they are.
Use virus detection software.
Order copies of your credit report once a year to ensure accuracy. Call any of the three national credit reporting agencies: Trans Union (800) 888-4213, Equifax (800) 685-1111, and Experian (888) 397-3742.
Report any suspected fraud to your bank and credit card issuers immediately so they can start to close accounts and clear your name right away.