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Under Section 343 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, insurance coverage for noninterest-bearing transaction accounts (NIBTAs) was unlimited.  This section of the Dodd-Frank Act is scheduled to expire December 31, 2012.  Provided there are no changes to the law, the FDIC will no longer provide separate unlimited insurance coverage beginning January 1, 2013.  NIBTA depositors should take appropriate measures to manage these accounts.  FDIC coverage of $250,000 per each depositor will remain in effect.

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 FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

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