FDIC

Notice of Changes in Temporary Insurance Coverage for Transaction Accounts

All funds in a noninterest-bearing transaction account are insured in full by the Federal Deposit Insurance Corporation (FDIC) 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 also includes Interest on Lawyers Trust Accounts (“IOLTA’s”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money market deposit accounts.

If you have any questions or concerns about your FDIC coverage, please contact your local branch office or visit the FDIC website at www.fdic.gov

Electronic Deposit Insurance Estimator (EDIE)

The FDIC’s Electronic Deposit Insurance Estimator (EDIE) is available at https://www2.fdic.gov/edie/index.html and allows consumers to learn how insurance rules and limits apply to deposit accounts. Users can also print a report for their records, which will include what’s insured and what portion (if any) exceeds coverage limits at that bank.