Each depositor insured to at least $250,000 per insured bank

1. Introduction
2. Press Release
3. Acquiring Financial Institution
4. Question and Answer Guide
5. Banking Services
6. Loan Customers
7. Possible Claims Against the Failed Institution
8. Priority of Claims
9. Dividend Information
10. Brokered Deposits
11. Purchase and Assumption Agreement (670 kb PDF File - PDF Help) 
12. Bid Summary
13. Neighborhood Community Bank Contact Information
14. Balance Sheet Summary

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.

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.

Your transferred deposits will be separately insured from any accounts you may already have at CharterBank for six months after the failure of Neighborhood Community Bank. Checks that were drawn on Neighborhood 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 regarding deposit insurance by calling 1-888-408-4360.

For general questions about FDIC deposit insurance coverage, please call 1-877-275-3342 or visit EDIE, the FDIC's Electronic Deposit Insurance Estimator

EDIE - 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 CharterBank as long as the deposits are not pledged as collateral for loans. You may view more information about CharterBank by visiting their web site.

CharterBank (www.charterbk.com)

Service hours for the former branches of Neighborhood Community Bank will remain the same. The Main and Peachtree City Offices will reopen on Saturday, June 27, 2009, and the Downtown and Tyrne Offices will reopen on Monday, June 29, 2009. The services to which you previously had access, such as, safe deposit boxes, night deposit boxes, wire services, etc., will be available as if no change had occurred.

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, June 26, 2009, will be paid at your same rate.  CharterBank will be reviewing rates and will provide further information soon.  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.

For all questions regarding new loans and the lending policies of CharterBank, please contact your branch office.

Please see A Borrower's Guide to an FDIC Insured Bank Failure for additional information.

If you or your company provided a service or product, leased space, furniture, or equipment to Neighborhood Community Bank after Friday June 26, 2009 and have not been paid you do not have a claim against Neighborhood Community Bank. Please follow your normal billing procedures by providing an invoice as instructed.

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 Neighborhood Community Bank prior to Friday June 26, 2009 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 Neighborhood Community Bank prior to the bank's failure for which you have not been paid and you have not received communication, contact:

Please note:  There are time limits for filing a claim, your claim must be filed on or before 09/30/2009.

Depositors

General Unsecured Creditors

Subordinated Debt

Stockholders

Deposit Broker Processing Guide