Welcome to THE VILLAGE BANK website. We hope you will find this site to answer most, if not all your questions about the services we offer. We have been in banking for over 85 years.

The Illinois Bankers Association is aware of some recent incidences in the state of "phishing" through text messages. Phishing is a tactic in which identity thieves "phish" for personal information, like account numbers, passwords, Social Security numbers, and other confidential information that they can use to deplete accounts or run up credit card bills. The latest incidents involve text messages being sent to mobile phones. The message appears to be from a financial institution, and it asks the receipent to call a phone number because there is a problem with their account.

The FTC's recommendation to residents who receive a text message about problems with their bank or credit card account is to call their wireless provider and inform it of the message. They also should alert their financial institutions. Consumers also can file a complaint with the FTC at ftc.gov or by calling (877) FTC-HELP (383-4357).

Protect Yourself from Phishing

1. Never provide your personal information in response to an unsolicted request. Some fraudulent requests are now even coming via text messages or automated phone messages asking for the consumer to call a phone number  or enter his card number for verification.

2. If you believe the contact may be legitimate, contact the financial institution yourself.

3. Never provide your password over the phone or in response to an unsolicited Internet or e-mail request.

4. Review account statements regularly to ensure all charges are correct, and balance your checkbook on a regular basis.

5. Be sure to obtain your free credit report each year from one of the nationwide consumer credit reporting companies.

 Equifax-800-525-6285

Experian-888-397-3742

TransUnion-800-680-7289

6. Keep your computer up-to-date with anti-spam filters and blockers.

 We will be closed on Monday, February 20, 2012, in observance of President'sDay.

THE U.S. TREASURY WILL NO LONGER ACCEPT PAPER SAVINGS BOND REQUEST AFTER DECEMBER 31, 2011.  WE WILL NOT ACCEPT THE PAPER FORMS AFTER DECEMBER 27, IN ORDER TO MAKE SURE THAT THEY GET TO THE TREASURY IN TIME. 

THE VILLAGE BANK has chosen not to participate in the FDIC's Transaction Account Guarantee Program.  Customers of THE VILLAGE BANK with noninterest-bearing transaction accounts will continue to be insured through December 31, 2013, for up to $250,000 under the FDIC's general deposit insurance rules.

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation 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's 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 Lawyers Trust Accounts ("IOLTAs").

For more information about temporary FDIC insurance coverage of transaction accounts, visit  www.fdic.gov.

For transfers to be posted same-day, they need to be done by 5:00 P.M., otherwise they will post on the next business day.

When you are trying to set up a transfer on the internet for the first time, please contact the bank before you do this.  We have to have an agreement signed by you.

We have made an upgrade of service in internet banking for you.  You can now use your Quicken software or Microsoft Money software with our internet banking product.