EDIE is designed to give an accurate deposit insurance calculation, assuming it is properly used and the account information is correctly entered. However, the results and conclusions generated by EDIE are strictly advisory. All actual claims for deposit insurance shall be governed exclusively by information set forth in the FDIC-insured institution's records and applicable federal statutes and regulations then in effect. This calculation is based on the deposit insurance regulations in effect as of July, 2011. The standard insurance amount is $250,000 per depositor, per insured bank, for each ownership category.

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Effective December 31, 2010 all noninterest-bearing transaction deposit accounts are fully insured for the entire amount in the deposit account. Noninterest-bearing transaction accounts are transaction accounts where interest is neither accrued nor paid, depositors are permitted to make an unlimited number of transfers and withdrawals, and the bank does NOT retain the right to require advance notice of a withdrawal. This unlimited insurance coverage is temporary and will remain in effect at all FDIC-insured depository institutions through December 31, 2012.

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Note: If you cannot locate your bank, you can continue to use EDIE. Simply click on the “Close Search” button and enter the name of your bank manually. As a reminder, if the accounts entered into EDIE are not deposits in an FDIC-insured bank, the coverage information provided in the EDIE report does not apply.

For assistance in confirming the insured status of your bank, you can call the FDIC toll-free at 1-877-275-3342.