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FDIC's Depositor Bill of Rights
- You have the right to automatic deposit insurance coverage when you
open a deposit account at an FDIC-insured bank, with no additional
cost or action on your part.
- You have the right to separate FDIC insurance coverage for deposits
held at different FDIC-insured banks.
- You have the right to confirm that a bank is insured by using the FDIC's
Bank Find service (www2.fdic.gov/IDASP/main_bankfind.asp) or by calling
the FDIC toll-free at 1-877-275-3342.
- You have the right to deposit insurance coverage of $100,000 for your
deposits at an FDIC-insured bank – up to $250,000 for your IRA
deposits.
- You have the right to deposit insurance coverage of more than $100,000
at a single bank when deposits are held in different "ownership categories," such
as a single, joint and trust accounts.
- You have the right to confirm that your deposits are within the insurance
limits by using the FDIC's Electronic Deposit Insurance Estimator
and other online resources at www.fdic.gov/deposit/deposits or by calling
the FDIC
at 1-877-275-3342.
- You have the right to be informed when a financial product offered by
your bank is not covered by FDIC insurance.
- You have a right, if your bank fails, to prompt access to your insured
deposits.
- You have the right, if you are an uninsured depositor, to receive distributions
from the receivership as the sale of assets permits.
- You have the right to sleep well, knowing that since the creation of
the FDIC 75 years ago, no depositor has ever lost one penny of insured
deposits.
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