FRAUD TIP #2 Write checks using a pen with thick, dark ink and draw lines to fill in gaps in the amount and payee fields.  Purchase high quality checks with built-in security features that help make them tamper-resistant to check washing or counterfeiting.  Store your extra checks in a secure place. Debit Card Users: Please Note When it comes to fraud detection, we’re always looking out for you   We are participating in the FDIC's Transaction Account Guarantee Program. Under this program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate form the coverage available under the FDIC's general deposit insurance rules. Transaction accounts earning interest over .25% are not fully guaranteed by the FDIC for the entire amount in the account.