First National Bank of Menahga & Sebeka is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

Attention: On August 1, 2010, overdraft charges both for returned checks (debits) and paid checks (debits) are increasing. Fee per returned check (or debit) will be $25 each. Fee for paid checks (debits) if the overdrawn balance is $1 - $1000 will be $25; overdrawn balance $1000.01 - $2000 will be $30; overdrawn balance over $2000 will be $35. This applies to both checking and savings accounts.