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FDIC Deposit Insurance Coverage The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government that protects against the loss of insured deposits if an FDIC-insured bank or savings association fails. FDlC deposit insurance is backed by the full faith and credit of the United States government. Since the FDlC was established, no depositor has ever lost a single penny of FDIC-insured funds. FDlC insurance covers funds in deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit (CDs). FDlC insurance does not, however, cover other financial products and services that insured banks may offer, such as stocks, bonds, mutual fund shares, life insurance policies, annuities or municipal securities. There is no need for depositors to apply for FDlC insurance or even to request it. Coverage is automatic. To ensure funds are fully protected, depositors should understand their deposit insurance coverage limits. The FDlC provides separate,insurance coverage for deposits held in different ownership categories such as single accounts, joint accounts, Individual Retirement Accounts (IRAs) and trust accounts. Basic FDIC Deposit Insurance Coverage Permanently Increased to $250,000 Per Depositor Effective July 21, 2010. If you have any questions about FDIC coverage limits and requirements, please visit www.myFDICinsurance.gov, call toll-free 1-877-ASK-FCIC, or ask a representative at Haddon Savings Bank. Protect Yourself Against Identity Theft
Identity theft is a serious crime. How does it happen? Identity theft occurs when someone uses your personal information without your permission to commit fraud or other crimes. While you can't entirely control whether you will become a victim, there are steps you can take to minimize your risk. If you think your identity has been stolen, here's what to do:*
View or print an easy-to-follow
brochure on how to Deter, Detect, and
Defend against identity theft. |
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Other News Get your Haddon Savings Bank Visa® Debit Card and put check cashing hassles behind you. Check out Haddon Savings Bank's FREE Bill Payer Service. Answers to some of the questions about the Check Clearing for the 21st Century Act.
Some of the above items are Adobe Acrobat files and can be viewed, navigated and printed from a workstation using the freely available Acrobat Reader software from Adobe Systems Inc. Versions of Acrobat Reader run on DOS, Windows, Macintosh and Unix systems and can be downloaded from the Adobe web site. |
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© 2010 Haddon Savings Bank |
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