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FDIC Consumer News

Important Update: FDIC Insurance Coverage Increased in Late 2008

In the fall of 2008, Congress temporarily increased the basic FDIC insurance coverage limit from $100,000 to $250,000 through December 31, 2009. In addition, the FDIC simplified the rules for the calculation of deposit insurance coverage for revocable trust deposits, including an expanded definition of the "eligible beneficiaries" for additional insurance coverage. As a result, certain previously published information related to FDIC insurance may not reflect the current insurance coverage. For more information, go to www.fdic.gov/deposit/deposits/index.html or call toll-free 1-877-ASK-FDIC (1-877-275-3342) Monday through Friday, 8:00 a.m. to 8:00 p.m., Eastern Time. For the hearing-impaired, the number is 1-800-925-4618.

Fall 2005 - A Special Guide for Seniors and Families

If a Crime Has Been Committed

Contact the fraud departments of any one of the three major credit bureaus if you suspect your name or accounts are being used improperly. They are Equifax at 1-800-525-6285, Experian at 1-888-397-3742, or TransUnion at 1-800-680-7289. Ask for a "fraud alert" to be placed on your credit file, which can help prevent a thief from opening new accounts or making changes to your existing accounts.

Call your financial institutions if accounts have been corrupted by a crook or fraudulently opened in your name. Discuss closing those accounts and opening new accounts. Also consider filling out an "ID Theft Affidavit" available on the Federal Trade Commission's Web site at www.consumer.gov/idtheft or by calling toll-free 1-877-IDTHEFT (438-4338). This document can be used to help you prove you are an innocent victim.

Call the local police to fill out the necessary crime reports.

 

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Last Updated 11/10/2005
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