With Citibank for iPad, gone are the days of the old-fashioned style of ledger banking. In this first-ever app of a major American bank, a visual and graphical interface of your finances is at your fingertips.

You can easily check your account balances, transfer money, control cash flow, pay bills, acquire rewards, or find the nearest Citibank branch and ATM booths.

What differentiates Citibank for iPad from other banking apps is that it maximizes the tablet interface of iPad with its fresh and visually striking graphics as well as an interactive approach to online banking.

Unlike other banking apps for iPad that mirror the PC or mobile phone interface, the Citibank app takes advantage of the unique tablet experience to provide users with a visually revealing, insightful interface along with a host of interactive new features.

Citibank for iPad is the by-product of Citibank listening to your online banking needs.

“We want this to be more engaging and dynamic—beyond the standard static tables you find with other iPad apps,” said Tracey Weber of serves as the chief of the Internet and Mobile Banking for North America Consumer Banking.

Citibank for iPad offers these unique features:

• Interactive chart of past and future cash outflows
• Auto-generated chart of personal spending habits
• Consumer databank for comparing personal spending habits by age and income brackets, location, and types of purchases

With Citibank for iPad, you also have access to exclusive services including Citi Personal Wealth Management and Women & Co. and real-time customer service.

Banking with Citibank has never been this easy.

Bank of Shorewood, Shorewood, Illinois, was closed today by the Illinois Department of Financial and Professional Regulation—Division of Banking, which appointed the Federal Deposit Insurance Corporation (FDIC) as receiver. To protect the depositors, the FDIC entered into a purchase and assumption agreement with Heartland Bank and Trust Company, Bloomington, Illinois, to assume all of the deposits of Bank of Shorewood.

The three branches of Bank of Shorewood, including the location operating as Bank of Elwood, will reopen on Saturday as branches of Heartland Bank and Trust Company. Depositors of Bank of Shorewood will automatically become depositors of Heartland Bank and Trust Company. Deposits will continue to be insured by the FDIC, so there is no need for customers to change their banking relationship in order to retain their deposit insurance coverage up to applicable limits. Customers of Bank of Shorewood should continue to use their existing branch until they receive notice from Heartland Bank and Trust Company that it has completed systems changes to allow other Heartland Bank and Trust Company branches to process their accounts as well.

This evening and over the weekend, depositors of Bank of Shorewood can access their money by writing checks or using ATM or debit cards. Checks drawn on the bank will continue to be processed. Loan customers should continue to make their payments as usual.

As of June 30, 2011, Bank of Shorewood had approximately $110.7 million in total assets and $104.0 million in total deposits. In addition to assuming all of the deposits of the failed bank, Heartland Bank and Trust Company agreed to purchase essentially all of the assets.

Customers with questions about today’s transaction should call the FDIC toll-free at 1-800-823-5028. The phone number will be operational this evening until 9:00 p.m., Central Daylight Time (CDT); on Saturday from 9:00 a.m. to 6:00 p.m., CDT; on Sunday from noon to 6:00 p.m., CDT; and thereafter from 8:00 a.m. to 8:00 p.m., CDT. Interested parties also can visit the FDIC’s Web site at http://www.fdic.gov/bank/individual/failed/shorewood.html.

The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $25.6 million. Compared to other alternatives, Heartland Bank and Trust Company’s acquisition was the least costly resolution for the FDIC’s DIF. Bank of Shorewood is the 62nd FDIC-insured institution to fail in the nation this year, and the sixth in Illinois. The last FDIC-insured institution closed in the state was First Chicago Bank & Trust, Chicago, on July 8, 2011.

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Congress created the Federal Deposit Insurance Corporation in 1933 to restore public confidence in the nation’s banking system. The FDIC insures deposits at the nation’s 7,575 banks and savings associations and it promotes the safety and soundness of these institutions by identifying, monitoring and addressing risks to which they are exposed. The FDIC receives no federal tax dollars – insured financial institutions fund its operations.

According to the Retirement Confidence Survey, for 2011 only 10% of workers have saved over $ 250,000 for retirement and a sobering 29% have less than $ 1000 saved. Add in the sluggish economy and record number of home foreclosures, and the future is bleak for those anticipating their not-so-golden years.

Is there any hope? The good news is yes there is – the bad news is you need to start planning for your retirement … immediately. Dr. Jerry Lockhart, CPA and author of “A Secret Code to Wealth: Building a Million-Dollar Retirement Nest Egg in Just 7 Years,” says, “No matter where you are in life financially, you can reach your retirement goals in seven years.”

With worksheets, and using practical steps to reduce debt and increase assets, “A Secret Code to Wealth” gives sensible advice to help make your retirement dreams come true and, best of all, it’s never too late to start. Not a get-rich-quick book, A Secret Code to Wealth* helps you develop your own retirement plan giving you the expertise and tools you need to make informed retirement decisions.

A Secret Code to Wealth explains topics and tips such as:

Planning for a career or job that covers your basic needs and allows you to put aside 20% of your earnings for retirement

How to build your custom-made emergency fund to cover unexpected situations

How to pay off all your debts during the seven year plan

Protecting your wealth with proper insurance planning

Selecting a sound, custom-made investment plan

Estate planning to distribute your wealth

“You are responsible for your own retirement,” reminds Dr. Lockhart. “Yet you may not realize that probably the most expensive asset you will ever purchase in your lifetime is not your home but your retirement nest egg.”

Dr. Jerry Lockhart was born and raised in Monroe, LA and relocated to Las Vegas, NV after high school where he earned his Bachelor, Master and Doctoral degrees from the University of Nevada, Las Vegas. He has over 40 years experience in accounting and tax industry fields. He is the first African American CPA in Nevada and the first African American to serve on the Nevada Gaming Commission. He is also an accounting professor at the College of Southern Nevada and heads up his own CPA firm.

Website: www.707retirement.com

A Secret Code to Wealth is available on www.lulu.com, www.amazon.com and www.barnesandnoble.com