Consumer Corner
This section of our website is designed to inform you the consumer about different points of interest in the banking world. Please check back here from time to time for more information. This information is provided for educational purposes only.
Consumer Notice
NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS
By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.
For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit: FDIC Notice of Expiration
Federal Deposit Insurance Corporation
Did you ever notice the words Member FDIC throughout our website? Farmers & Merchants Bank is a member of the Federal Deposit Insurance Corporation.
The FDIC was established by congress in 1933 to insure deposits and help maintain sound conditions in our banking system. It protects you against the loss of deposits if an FDIC insured bank or savings association fails. This insurance is backed by the full faith and credit of the United States government.
All FDIC insured banks must meet high standards for financial strength and stability. These standards are ensured with regular reviews of the bank’s operations.
For more information or an informative brochure, please call a bank representative at 724-543-1125. Or you can contact the FDIC directly at 1-877-ASK-FDIC
You can also contact the National Consumer Response Center through traditional postal mail at the following address:
FDIC, Consumer Response Center
1100 Walnut St., Box 11
Kansas City, MO 64106
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