The safety of your funds is guaranteed by the full faith and credit of the Government of The United States of America. The funds you deposit are fully insured up to $100,000 by the Federal Deposit Insurance Corporation (FDIC).

FDIC insurance applies to all kinds of accounts we offer, including certificates of deposit, money market accounts, retirement accounts, as well as savings and checking accounts.

How to insure your funds
for more than $100,000


FDIC regulations allow you to increase your family's account insurance protection to substantially more than $100,000. The following charts show you how.

FDIC insurance applies to all kinds of accounts we offer, including certificates of deposit, money market accounts, retirement accounts, as well as savings and checking accounts.

Examples:

• A family of two can insure accounts to $600,000



• A family of three can insure accounts to $1,000,000



• A family of four can insure accounts to $1,400,000



• A single parent and one child can insure accounts to $400,000



• A single parent and two children can insure accounts to $800,000

Example 1:
A family of two can insure accounts to $600,000.

Individual Accounts Coverage Wife $100,000 Husband $100,000 Joint Accounts Husband and Wife $200,000 Revocable Trust Accounts Husband as Trustee for Wife $100,000 Wife as Trustee for Husband $100,000 Total: $600,000

Example 2:
A family of three can insure accounts to $1,000,000.

Individual Accounts Coverage Wife $100,000 Husband $100,000 Child $100,000 Joint Accounts Husband and Wife $100,000 Husband and Child $100,000 Wife and Child $100,000 Revocable Trust Accounts Husband as Trustee for Wife $100,000 Husband as Trustee for Child $100,000 Wife as Trustee for Husband $100,000 Wife as Trustee for Child $100,000 Total: $1,000,000

Example 3:
A family of four can insure accounts to $1,400,000.

Individual Accounts Coverage Wife $100,000 Husband $100,000 Child 1 $100,000 Child 2 $100,000 Joint Accounts Husband and Wife $100,000 Husband and Child 1 $100,000 Wife and Child 2 $100,000 Child 1 and Child 2 $100,000 Revocable Trust Accounts Husband as Trustee for Wife $100,000 Husband as Trustee for Child 1 $100,000 Husband as Trustee for Child 2 $100,000 Wife as Trustee for Husband $100,000 Wife as Trustee for Child 1 $100,000 Wife as Trustee for Child 2 $100,000 Total: $1,400,000

Example 4:
A single parent and one child can insure accounts to $400,000.

Individual Accounts Coverage Parent $100,000 Child $100,000 Joint Accounts Parent and Child $100,000 Revocable Trust Accounts Parent as Trustee for Child $100,000 Total: $400,000

Example 5:
A single parent and two children can insure accounts to $800,000.

Individual Accounts Coverage Parent $100,000 Child 1 $100,000 Child 2 $100,000 Joint Accounts Parent and Child 1 $100,000 Parent and Child 2 $100,000 Child 1 and Child 2 $100,000 Revocable Trust Accounts Parent as Trustee for Child 1 $100,000 Parent as Trustee for Child 2 $100,000 Total: $800,000