The Benton State Bank is Outstanding in its Community

What does this mean?

The Community Reinvestment Act of 1977 (CRA) provides a framework for financial institutions to promote banking services to all members of a community. The Federal Deposit Insurance Corporation (FDIC) does an assessment of how well banks are doing meeting the banking needs of all its community members.

The Benton State Bank received an "Outstanding" rating at our last CRA examination. We are honored to have the opportunity to serve you. Please offer your comments or suggestions at any time. To view a copy of this assessment you can view the PDF document here on the FDIC's website: CRA Report .

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Transaction Account guarantee Program

Benton State Bank is participating in the transaction account guarantee program. Under that program, all funds in a "Noninterest-Bearing Account" are insured in full by the Federal Deposit Insurance Corporation (FDIC) 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 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 Lawyer's Trust Accounts (IOLTA).

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