Consumer Info: Banking

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Websites

: HelpWithMyBank.gov
HelpWithMyBank.gov provides answers and assistance to customers of national banks. It assists consumers in filing complaints online by telling them what to provide and what to expect. Customer Assistance Specialists are available from 8 a.m. to 8 p.m., Eastern, Monday – Friday, at 1-800-613-6743 or by email at Customer.Assistance@OCC.Treas.Gov. The site also includes answers to common questions on a variety of consumer topics and helps walk people through the process of contacting the OCC for additional assistance.

Visit HelpWithMyBank.gov, a website from the OCC.
: Edie The Estimator
EDIE the Estimator can calculate your FDIC insurance coverage for each FDIC-insured bank where you have deposit accounts. EDIE lets you know in a printable report for each bank whether your deposits are within or exceed coverage limits.

Visit Edie The Estimator, a website from the FDIC.

PDF's

: Your Money: What You Can Do To Fight Fraud
The few minutes you spend reviewing your bank statement could save you hundreds of dollars and help protect other consumers. View the full article from the OCC (PDF)
: Customer Assistance Brochure
Assistance for Customers of National Banks is a brochure that explains the function of the OCC's Customer Assistance Group and how to contact them. View the Customer Assistance Brochure from the OCC (PDF)
: Protecting Yourself from Overdraft and Bounced-Check Fees
This brochure provides information and guidance to consumers to help them avoid overdrafts and make informed decisions regarding the purchase of courtesy overdraft-protection or bounce coverage plans. View the brochure from the OCC (PDF)

Online Articles & Tools

: "Check 21"
Under a federal law that went into effect on Oct. 28, 2004, instead of shipping paper checks from bank to bank to complete the check clearing process, banks can send digital images electronically. Read the full article from the OCC
: Avoiding Cashier's Check Fraud
An OCC consumer advisory warns consumers to watch for fraudulent cashier's check schemes and recommends actions they can take to protect themselves. Read the full article from the OCC
: Writing a Check: Understanding your Rights
Electronic processing of checks is changing the way banks handle these transactions. Learn how these changes can affect how you handle your money. Read the full article from the OCC
: Community Reinvestment Act Information
The CRA was enacted in 1977 to prevent redlining and to encourage banks and thrifts to help meet the credit needs of all segments of their communities, including low- and moderate-income neighborhoods. Read the full article from the OCC
: FDIC: Symbol of Confidence for 75 Years
The Federal Deposit Insurance Corporation is an independent federal agency created in 1933 to promote public confidence and stability in the nation’s banking system. Throughout its history, the FDIC has provided bank customers with prompt access to their insured deposits whenever an FDIC-insured bank or savings association has failed. In the FDIC’s 75-year history, no customer has ever lost a single penny of insured deposits. Read more from the FDIC
: Fostering Consumer Confidence in Banking
The FDIC Consumer Response Center strives to offer optimal customer service by responding to consumer complaints and inquiries in an objective, knowledgeable, professional, accurate, and timely fashion. Find out how to file a complaint and more with the FDIC.
: FDIC Bank Find
FDIC Bank Find allows you to locate a single FDIC-insured institution by entering one or more criteria into certain fields. Visit the FDIC's Bank Find tool.
: FDIC Consumer News – Fall 2008 Special Edition: Your New, Higher FDIC Insurance Coverage
Basic FDIC Insurance Coverage Temporarily Increased to At Least $250,000 Per Depositor | How to Be Sure You're Fully Protected by the FDIC | "EDIE" Makes It Easy: FDIC Internet Site Analyzes Your Insurance Coverage | Fact vs. Fiction: Common Misconceptions About FDIC Deposit Insurance | FDIC Launches New Campaign Promoting Deposit Insurance | More Help from the FDIC About Deposit Insurance and Other Topics. Read Consumer News from the FDIC.
: Your Insured Deposits & Insuring Your Deposits
The FDIC protects depositors against the loss of their insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government. Read more about insured deposits and insuring your deposits.