Helps banks advise customers how to continue to benefit from the unparalleled convenience offered by ATMs...using them with confidence...by exercising just a few common sense precautions. Includes warnings about Skimming Scams.

Explains multi-factor authentication and layered security and educates customers about the dangers and preventive measures they can take when banking online. Designed to help meet FFIEC consumer education requirements.

Reminds your customers about the benchmark bank service of FDIC Insurance, backing up the message of safety with some telling facts:
   • The Fund Is Strong
   • The Fund Is Adjusted to Assure Continued Viability
   • The Vast Majority of Banks Are Sound
Helps reassure customers during turbulent economic periods.

Is a great way to educate current and prospective customers about the many contributions banks make to the community and to the local and national economy. Key messages:
   • Bank services are for everyone
   • Banks provide one-stop service
   • Banks invest in their communities
   • Banks offer unsurpassed security

This brochure contains the "Safe Harbor" model language approved by the Federal Reserve Board for use in Check 21 disclosures to consumer customers. Imprinting of bank information in accordance with Federal guidelines is available.

Uses a Question and Answer approach to educate customers about
   • how credit and debit cards differ
   • when one might be better to use than the other
   • what liabilities customers have for lost or stolen cards
   • where to go for more in-depth information and education
Skimming—in which dummy or doctored ATM machines are used to steal account information--and other scams are explained, along with tips that customers can put to use right away to help them protect their cards and their good credit.

"Direct Deposit" conveys the key messages of safety and convenience, PLUS provides your customers 7 ways they can take advantage of this key bank service, from payroll to direct deposit of regular stock dividends. To bring the point home, "Direct Deposit" gives your customers an at-a-glance matrix showing how direct deposit stacks up against paper checks for Timeliness. Efficiency. Safety & Security.

Helps promote your bank's offering of these services by highlighting the key benefits: easy, safe, and reliable...saves time for busy people...and provides the comfort of Federal consumer protections.

Describes how banks will protect and recover electronic data and information, ensure the availability of cash, continue customer service and otherwise be up and running after a wide-ranging disaster. In addition, it advises customers about measures to:
   • Assure access to cash, valuables and important documents
   • Safeguard critical papers and identification
   • Initiate preventative actions now, such as direct deposit

This statement stuffer highlights five important facts about FDIC coverage:
   • What accounts are covered
   • How much coverage each account has
   • Recent changes in coverage
   • Who pays for FDIC insurance (banks do)
   • How to identify an FDIC-covered institution
Designed to work with FDIC's comprehensive guide, also available (see below).

Completely revised version as of 1/1/10!
Provides full details of FDIC coverage as explained by FDIC. Contains the exact language written by FDIC and available on their website (www.fdic.gov). Size: 32 pages, 4"x 9". (See above for condensed statement stuffer with matching graphics.)

When customers have their bank accounts taken over by identity thieves, the cost is huge—not just in terms of the money lost, but more importantly, it erodes customer confidence in bank security and the safety of online transactions. Identity Theft in all its forms is growing at an alarming rate. But your bank certainly has the greatest stake of all in Account Hijacking. It is costly to your bank…to your bank customers…and to your bank’s reputation for integrity.

When you provide this brochure in an upcoming mailing, you will be helping your customers identify
   • How they can fall victim to Fake Check Scams
   • How they can recognize it when they see it
   • How they can prevent it
   • What they can do if they get stung

Takes on three of the fastest growing frauds at work today:
   • Advance-Fee Loan Scams
   • Debit Card Fraud
   • Counterfeit Cashier's Checks
In addition, "Financial Fraud Update" offers consumer defense tips that will help your customers help themselves.

Alerts your customers to one of the most dangerous and prevalent scams now operating—Phishing. It is especially important that you educate your customers, because the Phishing scam works by stealing the “look and feel” of a trusted source, such as the victim’s bank, and dupes them into providing confidential financial details like credit card and bank account numbers.

Cuts through the clutter surrounding this important consumer topic. No hard sell…no misleading information…no unnecessary data. Just the facts your customers need to get their free report. That’s what they want…and what you can deliver to them with this timely brochure.

Cases of identity theft are increasing at almost twice the rate originally predicted by experts. This brochure offers ten specific actions consumers can take to help banks provide maximum security for their assets and their good name. UPDATED to include FACT Act protections and free credit reports.

This brochure will convince customers that saving through an IRA is a great way to prepare for the future and suggests they contact their banker immediately to learn more. Includes a useful tool: a chart comparing today’s IRAs so customers can choose the one that ideally suits their needs.

The regulations require only that banks notify commercial customers. But it makes good sense from a customer relations standpoint to educate all of your customers about what the law requires you to do to stop illegal Internet gambling transactions. Plus, it sends the message to federal regulators that your bank is on board to do its part in implementing Congress's intentions.

Promoting direct deposit is a great idea especially at tax time, when the IRS is urging consumers to take advantage of electronic deposit of tax refunds. Prominently featured in this two-panel brochure and statement insert: the availability of split deposits, which permits deposits in up to three different accounts.

FDIC reports that one of the areas of greatest interest to consumers is how they can maximize their FDIC coverage. This brochure shows them how with specific examples illustrating how customers can increase their FDIC coverage to as much as $3,000,000. FDIC HAS REVIEWED AND PROVIDED INPUT ON THIS BROCHURE...USE IT WITH CONFIDENCE!

REG E Notifications
Overdraft Rules for Debit and ATM Cards uses language created by the Federal Reserve Board, and designed specifically to help consumers understand how to use the information you will be sending them about your charges and policies (due July 1, 2010) to make the best choices regarding overdraft services.
   • Provide a copy to all your customers in the months prior to the July 1 deadline so they are aware of the changes coming.
   • Provide the brochure with your official notification, as an additional reminder and as background facts from a trusted government source.
   • Make sure tellers and other CSRs have copies to give to customers on request and at new account opening.

Three of the mandatory notification options used most by credit unions are available: (1) Simplified Notice; (2) Notice for Joint Marketing; (3) Opt-Out Notice. The language for each notice tracks the sample "safe harbor" disclosure language contained in Federal regulations. Ample space is provided for imprinting your bank logo and other information.

Note: This is a completely new and revised version of the old brochure by this title. It
   • Informs customers about current criminal activity using the Internet and email.
   • Advises customers about measures that can substantially strengthen their computer security.
   • Educates customers about the substantive investment your bank is making to assure safe online banking. These are the same objectives that Federal examination guidelines are designed to meet for banks offering Internet banking services.

Developed in cooperation with the Federal Trade Commission for use by banks!
Financial fraud costs banks millions annually. But beyond that, they erode customer confidence in the technology your bank depends on most as it builds for the future.

Make sure your customers know that your bank is aware of the seriousness of these threats...and that you are taking appropriate measures to help customers protect themselves from identity theft and account hijacking!

This brochure was developed by a joint regulatory taskforce aimed at creating a unified financial industry message on the dangers and prevention of identity theft through Phishing. When you use “You Have the Power to Stop Identity Theft” as a statement stuffer or handout, you will use it with the confidence of an authoritative voice telling this compelling and critical story. It covers:
   • How Phishing works,
   • Offering ways to protect against identity theft, and
   • Detailing steps to follow for victims of identity theft

You can begin communicating the importance the CARD Act of 2009 will have on your customers right away with this timely, understandable statement stuffer. By addressing the most important mandates of the Act, it will give your customers keen insight into:
   • How the new mandates will be implemented
   • When they can expect to see changes
   • How they can take best advantage of the new rules and procedures

Use the customer notice requirements of the USA Patriot Act as an opportunity to
   • educate your customers about the law’s requirements
   • enlist their aid in the fight against terrorism
   • show them how it protects them against Identity Theft.
The key message: customer cooperation can help in the fight against terrorism

Many consumers mistakenly believe that the government pays for the FDIC insurance used to protect them from bank failures or even that consumers themselves are paying for it through their tax dollars. This brochure has been specifically written to help banks address this misperception by educating customers that America's banks pay for the federal deposit insurance program and its administration. The key message: banks like yours are working hard and paying the freight to assure the safety of consumers' savings.

Perhaps you have customers who are facing stricter credit criteria for a mortgage or installment loan…Perhaps they or someone they know is experiencing credit troubles and is considering bankruptcy as an option…Or perhaps they have simply heard or read the news reports that reinforce the fact that credit standards are tighter, and a solid credit rating is more important than ever!  Educated customers know better how to manage credit…how important it is to stay current on their credit payments…why troubled credit does not lead inevitably to bankruptcy, and this brochure offers three valuable lessons they can put to use today.

Explains the major changes in electronic banking such as electronic check clearing, check conversion and EFT options…PLUS helps fulfill a continuing regulatory mandate to inform customers about shortened float. Miscalculation of float often leads to check overdrafts, a major government "hot button" that banks are strongly encouraged to address.

Explains in easy-to-understand language how the FACT Act has made access to credit reports easier…and importantly, educates your customers about how to analyze the report…how to correct errors…how to understand the importance of their credit score.