River Valley Community Bank

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When you need a financial partner, someone who can understand and respond to your unique needs, you can be confident that River Valley Community Bank will be there for you. River Valley Community Bank is predominantly owned by local investors who understand excellence in service. We have the people, experience and resources to be your preferred banking choice.
Thank you for your business!

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS AS OF: December 31, 2010.
All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDICs general deposit insurance rules.
The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts, and Interest on Lawyers Trust Accounts ("IOLTAs").
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

FDIC Insurance for $250,000 is now permanent!
Effective August 10, 2010, the FDIC Board of Directors adopted the final rule which permanently increased the standard maximum deposit insurance amount (SMDIA) from $100,000 to $250,000. This permanent increase in the SMDIA became effective July 22, 2010. The FDIC insurance coverage limit applies per depositor, per insured depository institution for each account ownership category. Consumers can find additional information regarding FDICs deposit insurance coverage through the use of the FDICs Electronic Deposit Insurance Estimator (EDIE) and deposit insurance publications located on the FDICs website.
River Valley Community Bank has elected to participate in the Transaction Account Guarantee Program which provides a full guarantee of non-interest-bearing transaction deposit accounts above $250,000, regardless of dollar amount. The guarantee is in effect until December 31, 2010. Accounts covered by the guarantee also include NOW accounts where interest rates are maintained at 0.25 percent or less.
The FDIC provides separate insurance coverage for deposits held in different ownership categories such as single accounts, joint accounts, Individual Retirement Accounts (IRAs) and trust accounts. To learn how you can be insured for more than $250,000, call (530) 755-0418 and talk to one of our Sales Representatives. To learn more about the FDIC, visit them online at www.FDIC.gov.