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FDIC Notice

Important Information About Deposit Insurance Coverage

Your FDIC deposit insurance coverage will now be under Glacier Bank.  If you bank with more than one of the Glacier Bank divisions, it is important that you are aware that your deposits will be aggregated when calculating FDIC deposit insurance coverage. Glacier's divisions include Glacier Bank, First Security Bank of Missoula, Western Security Bank, First Security Bank of Bozeman, Valley Bank of Helena, First Bank of Montana, Bank of the San Juans, Mountain West Bank, Citizens Community Bank, First Bank, First State Bank, Foothills Bank, Collegiate Peaks Bank, First Community Bank of Utah, Heritage Bank of Nevada, Altabank and Wheatland Bank. Generally, your current FDIC insurance will continue for six months from January 1, 2024.

At the end of the six-month period, the combined amounts you have on deposit at our divisions will be subject to the maximum amount of FDIC deposit insurance, $250,000, allowed by law for one bank. Basic insurance coverage for deposit accounts (checking, savings, money market accounts and certificate of deposits) is $250,000. There are ways to qualify for more than the $250,000 basic insurance coverage limit. If your combined deposits at our bank divisions total more than $250,000, please contact your local branch, they will be happy to visit with you about your deposit insurance and answer any other questions you may have.

In the case of a certificate of deposit, coverage could change at the earliest maturity date after the six-month period. A certificate of deposit which matures within six-months of January 1st and is renewed at the same dollar amount (either with or without accrued interest having been added to the principal amount) and is renewed for the same term as the original deposit, the separate insurance applies to the renewed deposit until the first maturity date after the six-month period. A certificate of deposit that matures within six months of January 1st and is renewed on any other basis or is not renewed and thereby becomes a demand deposit, is separately insured only until the end of the six-month period.

Individual Retirement Accounts (IRA):  The custodian of all Individual Retirement Accounts will change from Wheatland Bank to Wheatland Bank, Division of Glacier Bank.

For information on insurance coverage limits on your accounts at Wheatland Bank and how to qualify for more insurance coverage, visit the FDIC's website, . The FDIC also has an easy-to-use online tool called EDIE (Electronic Deposit Insurance Estimator) The Estimator. To access EDIE The Estimator, go to

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