Please be advised you will not receive any email notification to claim/unlock/unsuspend your account or to provide any private information. Please be aware of any Phishing Scams to obtain information from you.
On Friday, February 26, 2010, Carson River Community Bank, Carson City, NV
was closed by the Nevada Department of Business and Industry, Financial Institutions
Division, and
the Federal Deposit Insurance Corporation (FDIC)
was named Receiver. No advance notice is given to the
public when a financial institution is closed.
The FDIC has assembled useful information regarding your relationship with
this institution. Besides a checking
account, you may have Certificates of Deposit, a car loan, a business checking
account, a commercial loan, a Social Security direct deposit, and other relationships
with the institution. The FDIC has compiled the following information,
which should answer many of your questions.
The FDIC has issued a press release
(PR-040-2010) about
the institution's closure. If you represent a media outlet and would
like information about the closure, please contact
LaJuan
Williams-Young at 1-202-898-3876.
All deposit accounts, excluding certain brokered deposits, have
been transferred to
Heritage Bank of Nevada, Reno, NV ("assuming
institution")
and will be available immediately. The former Carson River Community Bank location will reopen as a
branch of Heritage Bank of Nevada during regular business hours.
Your transferred deposits will be separately insured from any accounts
you may already have at Heritage Bank of Nevada for six
months after the failure of Carson River Community Bank. Checks
that were drawn on Carson River Community Bank that did not
clear before the institution closed will be honored as long as there are
sufficient funds in the account. If you have questions about your account(s) transferred to the assuming bank,
you may speak to an FDIC representative by calling 1-800-894-6802.
For general questions about FDIC deposit insurance coverage, please call 1-877-275-3342 or visit EDIE, the FDIC's Electronic Deposit Insurance Estimator.
You may withdraw your funds from any transferred
account without an early withdrawal penalty until you enter into a new deposit
agreement with Heritage Bank of Nevada as long as
the deposits are not pledged as collateral for loans. You may view more
information about Heritage Bank of Nevada by visiting their web site.
The Automated Teller Machines (ATM) and online service will remain available.
The bank will maintain its regular business hours and you may continue to use the services to which you previously had access, such as safe deposit boxes, night deposit boxes, wire services, etc.
Your checks will be processed as usual. All outstanding checks
will be paid against your available balance(s) as if no change
had occurred. Your new bank will
contact you soon regarding any changes in the terms of your account. If
you have a problem with a merchant refusing to accept your check, please
contact your branch
office. An account representative will
clear up any confusion about the validity of your checks.
All interest accrued through Friday, February 26,
2010 will be paid at your same rate. Heritage Bank of Nevada will
be reviewing rates. You
will be notified of any changes.
Your automatic direct deposit(s) and/or automatic withdrawal(s) will be
transferred automatically to your new bank. If
you have any questions or special requests, you may contact a representative
of your assuming institution at your
branch office.
If you had a loan with Carson River Community Bank, you should
continue to make your payments as usual. The
terms of your loan will not change, because they are contractually agreed to
in your promissory note. Checks should be made payable as usual and sent to the
same address until further notice. If you have further questions regarding an
existing loan, please contact
your loan officer.
For all questions regarding new loans and the lending policies of Heritage Bank of Nevada please contact your branch office.
Claims against failed financial institutions occur when bills sent to the
institution remain unpaid at the time of failure. If you or your company provided
a service or product, leased space, furniture,
or equipment to Carson River Community Bank after
Friday, February 26, 2010 and have
not been paid, you do not have
a claim against Carson River Community Bank. Please follow
your normal billing procedures by providing an invoice as instructed.
If you or your company provided a service
or product, leased space, furniture, or equipment to Carson River Community Bank prior
to Friday, February 26, 2010 and have
not
been
paid, you may be
entitled to a claim against the bank. If you provided a product to or a service
for Carson River Community Bank prior to the bank's failure
for
which you have not
been
paid
and you have not received communication, please
contact:
Federal Deposit Insurance Corporation
Receiver: Carson River Community Bank 1601 N. Bryan Street Dallas, TX 75201-3430 Attention: Claims Agent
Please note: There are time limits for filing a claim, your claim must be filed on or before 6/1/2010.
Shareholders have a claim against the receivership; however, they have the lowest priority of claim. You should discuss this with an accountant and/or the IRS concerning the exact requirements necessary to recognize the investment as a loss for tax purposes. The FDIC does not require stockholders to file a claim with the Receiver. However, we recommend that you keep our office informed of any address change, should we need to contact you in the future.
The FDIC offers a reference guide to deposit brokers acting as agents for their investor clientele. This site
outlines the FDIC's policies and procedures that must be followed by deposit brokers when filing for pass-through insurance
coverage on custodial accounts deposited in a failed FDIC Insured Institution.
