Beginning January 1, 2013, all of a depositor’s accounts, including all “non-interestbearing transaction accounts”, will be insured by the FDIC up to the standard maximumdeposit insurance amount ($250,000), for each deposit insurance ownership category.The term “noninterest-bearing transaction account” includes a traditional checkingaccount or demand deposit account on which the insured depository institution pays nointerest. It also includes interest on Lawyers Trust Accounts (IOLTAs). It does notinclude other accounts such as traditional checking or demand deposit accounts thatmay earn interest, NOW accounts and money-market deposit accounts.

For more information about FDIC insurance coverage of transaction accounts, visit