Join Albany Bank as we continue to Go Green!

eStatements are now available to all online banking customers! Access your statement anytime... FREE.

Albany Bank and Trust Company N.A. has a new and enhanced Internet Banking Bill Payment Service.

The New Bill Payment Service offers many new benefits and features. It is SIMPLE, FLEXIBLE, CONVENIENT, and best of all FREE.

To find out more about Bill Pay, please call 1-877-293-4116.

Notice: To comply with U.S. Government regulations implementing the Unlawful Internet Gambling Enforcement Act, a U.S. federal law, Albank will not allow Internet gambling businesses from utilizing the banking system.

Deposits at FDIC-insured institutions are now insured up to at least $250,000 per depositor through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except for IRAs and certain other retirement accounts which will remain at $250,000 per depositor.

Albany Bank and Trust Co., N.A. is participating in the FDIC's Transaction Guarantee Program.  Under that 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 from the coverage available under the FDIC's general deposit insurance rules.

Albany Bank's Internet Banking allows you to obtain balances, review histories, transfer funds between accounts, place stop payments, reorder checks and download account information. Best of all, Internet Banking access is *FREE! Coupled with our *Bill Payment and **Direct Deposit services, you can virtually do your banking from anywhere you have Internet access.

So why wait in heavy traffic or long lines?

To enroll in Internet Banking, go to http://www.albanybank.com . We're confident you'll agree that the convenience of Internet Banking and its ease of use can lend relief to your hectic schedule.

For more information on Internet Banking call 1-877-7ALBANK (1-877-725-2265) or visit one of our four convenient locations.

* There is no charge for the use of Albany Bank's Internet Banking and Bill Pay. Regular Stop Payment fees still apply.
** Direct Deposit is a FREE service.

In our ongoing effort to provide our many valued customers a complete array of financial resources, we are now offering full service brokerage. We have established a relationship with Wayne Hummer Investments L.L.C., a Chicagoland broker/dealer firm that specializes in providing such services to customers of financial institutions. Wayne Hummer Investments has been working with Chicago banks since 1931. We can now offer you a complete line of products to meet all your investment needs. A partial listing includes:

Stocks
Corporate & Municipal Bonds
Government Securities
Mutual Funds
Managed Accounts
College Savings Plans
Fixed & Variable Annuities
Individual Retirement Plans/Rollovers

To assist you in determining which products and services would be appropriate, our Financial Advisor, Dan Slowinske, would be happy to discuss your situation. Dan can be reached at 773-267-7300, extension 209. Whether your needs are individual or business oriented, we now have added the resources to help you achieve your financial goals.

Securities and Insurance Products provided through Wayne Hummer Investments, LLC. Member FINRA/SIPC. Not insured by FDIC or any other government agency. No Bank Guarantee. Not a Bank Deposit. May Lose Value.

Your friendly neighborhood bank now offers the friendliest mortgage around.

Albank has a brand new residential mortgage!

So if you're in the market for a new home or refinance and are looking for the perfect mortgage, look no further than your friendly neighborhood banker.

With an ALBANK mortgage you get:

• A locked in rate for up to 30 years
• Pre-approval; establishes you as a serious buyer
• The negotiating power of secured pre-approved financing
• Peace of mind knowing that your rate won't increase
• The most competitive rates around

Call Diana Torres now at 773-267-7300, extension 345 to set up an appointment.