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Type of Account FDIC Coverage

Non-Interest Bearing Transaction Accounts

This includes all personal and business checking deposit accounts that do not earn interest and certain low interest NOW accounts.

Fully insured for the entire amount in the deposit account until 12/31/10

This is in addition to the $250,000 deposit insurance coverage.

IOLTA Accounts

(Interest on Lawyers Trust Accounts)

 Fully insured for the entire amount in the deposit account until 12/31/10

Non-Interest Bearing Transaction Accounts

This includes traditional checking accounts or demand deposit accounts on which the insured depository institution pays no interest.

 Fully insured for the entire amount in the deposit account from 12/31/10 through 12/31/12
Type of Ownership FDIC Coverage
Single Accounts (Owned by One Person) $250,000 per owner
Joint Accounts (Owned by two or more persons) $250,000 per co-owner
IRA's and certain other retirement accounts $250,000 per owner
Revocable Trust Accounts (Payable on Death) $250,000 per owner per beneficiary up to 5 beneficiaries (more coverage available with 6 or more beneficiaries subject to specific limitations and requirements.)
Irrevocable Trust Accounts $250,000 for the non-contingent, ascertainable interest of each of each beneficiary.

Corporation, Partnership, and

Unincorporated Association Accounts

 $250,000 per corporation, partnership, or unincorporated association
Employee Benefit Plan Accounts $250,000 for the non-contingent, ascertainable interest of each participant
Government Accounts $250,000 per official custodian

This table shows only the most common ownership categories that apply to individual and joint deposits, and assumes all FDIC requirements are met.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE
COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-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 "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts, and Interest on Lawyers Trust Accounts ("IOLTA's").

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

Flash Content

Insuring Your Deposits

If you have any questions about this expanded coverage, or about the coverage on your accounts, please speak to an Adams Bank & Trust banker.

If you prefer to discuss FDIC insurance coverage with an FDIC representative, you may visit www.myFDICinsurance.gov or call toll-free 1.877.ASK.FDIC  Monday -Friday 8am-8pm (Eastern)

Hearing Impaired Line:  1-800-925-4618