Each depositor insured to at least $250,000 per insured bank

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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.

Winter 2004/2005

News Briefs

New Video on FDIC Insurance: The FDIC has produced a 27-minute video to help bank customers and employees understand the basics of deposit insurance, including how the FDIC covers the most common types of accounts. Consumers and financial institution employees are encouraged to view the video on the FDIC's Web site at www.fdic.gov/deposit/deposits/index.html. For more information, see the Web page listed above or contact the FDIC's Call Center toll-free at 877-275-3342.

How to Obtain Free Credit Reports: As previously reported in FDIC Consumer News, you have new rights to obtain one free copy of your credit report from each of the three nationwide credit bureaus every 12 months beginning in western states December 1, 2004, and gradually moving east with completion due by September 1, 2005. Recently, the three major credit bureaus (Equifax, Experian and TransUnion) have set up one central Web site (www.annualcreditreport.com), toll-free phone number (877-322-8228) and mailing address (Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281) you can use to order your free report. For more information, see the new Federal Trade Commission fact sheet Your Access to Free Credit Reports (online at www.ftc.gov/bcp/conline/pubs/credit/freereports).

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Last Updated 02/14/2005 communications@fdic.gov