The level of FDIC Insurance on your accounts has increased.

Basic FDIC Deposit Insurance Coverage Limits*
Single Accounts (owned by one person)		$250,000 per owner**
Joint Accounts (two or more persons)		$250,000 per co-owner**
IRAs and certain other retirement accounts		$250,000 per owner
Trust Accounts		$250,000 per owner per beneficiary subject to specific limitations and requirements**
In addition, the FDIC will provide full FDIC deposit insurance for non-interest bearing transaction deposit accounts held at participating FDIC-insured institutions***.

*These deposit insurance coverage limits refer to the total of all deposits that an accountholder (or accountholders) has at each FDIC-insured bank. The listing above shows only the most common ownership categories that apply to individual and family deposits, and assumes that all FDIC requirements are met.

**The legislation authorizing the increase in deposit insurance coverage limits makes the change effective October 3, 2008 through December 31, 2008.

***The legislation authorizing this change in deposit insurance coverage makes the change effective October 15, 2009 through December 31, 2009.