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 also includes Interest on Lawyers Trust 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 accounts.  For more information about temporary FDIC insurance coverage of transaction accounts, visit http://www.fdic.gov.

For more information about FDIC insurance coverage of your accounts, visit http://www.fdic.gov or visit the EDIE (Electronic Deposit Insurance Estimator) website to see how deposit insurance rules apply to specific accounts at https://www.fdic.gov/edie/index.html