Important Notices

2011 & 2012 Holiday Schedule

* denotes non-standard holiday

Date of Holiday Observed Name of Holiday Day of Week
November 11, 2011 Veteran's Day Friday
November 24, 2011 Thanksgiving Day Thursday
*November 25, 2011 *Day after Thanksgiving *Friday
*December 24, 2011 *Christmas Eve Saturday
December 26, 2011 Christmas Day(Observed) Monday

Date of Holiday Observed Name of Holiday Day of Week
January 2, 2012 New Year's Day (Observed) Monday
January 16, 2012 Martin Luther King Day Monday
February 20, 2012 President's Day Monday
April 6, 2012 Good Friday Friday
May 28, 2012 Memorial Day Monday
July 4, 2012 Independence Day Wednesday
September 3, 2012 Labor Day Monday
October 8, 2012 Columbus Day Monday
November 22, 2012 Thanksgiving Day Thursday
*November 23, 2012 *Day after Thanksgiving *Friday
*December 24, 2012 *Christmas Eve Monday
December 25, 2012 Christmas Day Tuesday

Security through Email?

  • E-mail is anything but private. Any e-mail sent outside of your building has the potential of being intercepted. Unless your organization operates its own e-mail server, e-mail to the desk across the lobby is at risk.
  • E-mail is much more like a post card than a sealed envelope. Malicious people can read messages, even modify and resend them.
  • E-mail messages and unencrypted attachments should never contain information that can cause a breach of privacy statutes.
  • Social Security and Account numbers should never be included in email.
  • Login and password information should always be furnished (to an employee or customer) via telephone, not e-mail.
  • Today's business, however, demands that information be exchanged. When it is necessary to send a file containing Account Numbers, Social Security Numbers, or other identifying information, it is suggested that protective software, like the latest version of WinZip, be used to protect the file. This software has the ability to encrypt files using the AES256 standard, which is state of the art in encryption technology. The recipient of the file should be notified of the key used to encrypt the file for decryption. The key should be furnished via telephone.

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Electronic Federal Treasury Payment Service (EFTPS)

With the ongoing government changes and regulations, you might want to consider enrolling in EFTPS. Business customers are currently required to use the system if:

        • Their total deposits of depository taxes in 2008 were more than $200,000 or
        • They were required to use EFTPS in 2009 or any prior year.

The U. S. Treasury is encouraging the migration to this method of tax payments. The Treasury is equipped to offer benefits such as:

        1. Security: There a 3 authenticatoins required to access customer accounts.
        2. Convenience: It is available via the Internet or phone 24 hours a day, 7 days a week.

    For more information or to enroll in EFTPS, call 1-800-555-4477 or visit their website at www.eftps.gov.

Customer Disclosure Statement

The Union Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, from June 30, 2010 through December 31, 2010, whichever is applicable, all non-interest 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.

 

Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts.

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 FDIC's 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 also includes Interest on Lawyers Trust Accounts (*IOLTAs*). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.