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FDIC Insurance

Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts

In accordance with the Dodd-Frank Wall Street Journal Reform and Consumer Protection Act, from December 31, 2010, through December 31, 2012, all funds in "noninterest-bearing transaction accounts" are insured in full by the Federal Deposit Insurance Corporation. This 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 also includes Interest on Lawyers Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit account.

The temporary full insurance coverage of "noninterest-bearing transaction accounts" expires on December 31, 2012. After December 31, 2012, funds in noninterest-bearing transaction accounts will be insured under the FDIC's general deposit insurance rules, subject to the Standard Maximum Deposit Insurance Amount of $250,000.

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

FDIC Electronic Deposit Insurance Estimator (EDIE)

If you have more than $250,000 on deposit in the bank you may have more deposit insurance coverage than you think. Use the EDIE online to calculate your FDIC insurance coverage.