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FDIC Consumer News
Important Update: Changes in FDIC Deposit Insurance Coverage

The FDIC deposit insurance rules have undergone a series of changes starting in the fall of 2008. As a result, certain previously published information related to FDIC insurance coverage may not reflect the current rules. For details about the changes, visit Changes in FDIC Deposit Insurance Coverage. For more information about FDIC insurance, go to www.fdic.gov/deposit/deposits/index.html or call toll-free 1-877-ASK-FDIC (1-877-275-3342). For the hearing-impaired, the number is 1-800-925-4618.


Fall 2004

More on “Check 21”

In our last FDIC Consumer News (Summer 2004), we reported on how the new “Check 21” law will affect check writers and depositors. Example: Checks will be processed faster, so it will be more important than ever to have enough money in your account to cover the checks you write.

Now that Check 21 went into effect on October 28, 2004, we encourage you to take another look at our report, which is available online at www.fdic.gov/consumers/consumer/news/cnsum04. In addition, the Federal Reserve Board has issued two new publications on Check 21 and what you should know about your checks. They are available at www.federalreserve.gov/pubs/check21/consumer_guide.htm or from the Federal Reserve Board, Publications Fulfillment, Washington, DC 20551 (phone 202-452-3244).


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Last Updated 11/19/2004 communications@fdic.gov