"Since Citizens National Bank is an FDIC-insured institution, qualifying deposits are insured by the federal government," said J. Michael Romey of Citizens National Bank. "And when money is FDIC insured, you can't lose a penny, no matter what. But as with any insurance, there are coverage limits and requirements that must be met."

To help customers determine their insurance coverage, Citizens National Bank has added to its website, www.cnbohio.com, an easy-to-use online FDIC tool called EDIE The Estimator*.

This handy tool allows customers to input information regarding their accounts in order to determine if they're fully covered under FDIC insurance. Simply input all the deposit accounts and the total amount of deposits in each. The Estimator will compare this with the FDIC insurance guidelines and generate a report.

This will allow customers to understand their insurance coverage and provide an opportunity for them to discuss with a Customer Service Representative alternative ways of setting up accounts if necessary in order to be fully insured.

FDIC-EDIE The Estimator can be found in two locations on CNB's website; on the Personal page under Financial Planning or on the Calculators & Educators page under Basic Calculator.The direct link is http://www.cnbohio.com/FDIC-EDIE%20The%20Estimator.asp#action=resize|value=551px|msg_id=3.