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First Bank & Trust Co. Disclosure


FDIC Transaction Account Guarantee Program
First Bank & Trust Co. ensures that your deposits are covered to the maximum extent possible.

 

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

 

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.

 

Congress has opted to not extend the temporary Transaction Account Guarantee program after 12/31/12. Consequently, effective January 1, 2013, funds deposited in noninterest-bearing transaction accounts will be insured up to $250,000 under the FDICís general deposit insurance rules. 

 

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


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