FEDERAL DEPOSIT INSURANCE CORPORATION (FDIC) INFORMATION

Deposit Insurance Information Center
As an insured bank and FDIC member, Marine Bank has compiled useful links to important information related to the
Federal Deposit Insurance Corporation (FDIC) for your convenience.

Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts
All funds in a ‘non-interest bearing transaction account’ are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.
The term ‘non-interest bearing transaction account’ includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

Beginning January 1, 2011, accounts other than ‘non-interest bearing transaction accounts’ will no longer be eligible for the insurance in full, but will continue to be covered by at least $250,000 under the FDIC’s general deposit insurance rules.

If you use a sweep arrangement(s) or automatic funds transfer(s) that result in funds being swept, transferred or reclassified from a non-interest bearing transaction account to an interest bearing (e.g., NOW, Savings or Money Market Account) or non-transaction deposit account (e.g., Certificate of Deposit); such action will void the unlimited guarantee with respect to the swept, transferred or reclassified funds until such time as they are returned, and instead the FDIC’s deposit insurance limit of $250,000 will apply while the funds are in the interest-bearing or non-transaction deposit account.

For more information about temporary FDIC insurance coverage of transaction accounts, visit the FDIC website or contact a Personal Banker

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