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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

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Inactive Financial Institution Letters 

Revised Guide to Deposit Insurance

October 28, 1996
SUBJECT: Revision of The Financial Institution Employee's Guide to Deposit Insurance

The FDIC has revised its publication The Financial Institution Employee's Guide to Deposit Insurance, which explains the FDIC's rules for deposit insurance coverage in a concise and non-technical way. The guide was originally published for a series of seminars conducted for financial institution staff in the summer of 1995.

Every federally insured financial institution must ensure that its staff provide accurate and complete information about FDIC insurance coverage to its depositors. Bank and thrift employees who deal directly with depositors must understand the rules that govern deposit insurance coverage well enough to be able to explain them clearly and accurately.

This publication is a helpful guide to the deposit insurance rules for financial institution training staff, operations and savings officers, and others responsible for dissemination of deposit insurance information at financial institutions. The guide includes instructional materials designed to assist insured institutions in developing in-house training programs on deposit insurance, including a set of tests on calculating deposit insurance coverage.

Enclosed is the revised version of The Financial Institution Employee's Guide to Deposit Insurance for your institution's use. It is now in a loose-leaf format to facilitate as-needed duplication by institutions. The guide is also available via the Internet on the FDIC Web Page ( in PDF format.

For further information, please contact the Division of Compliance and Consumer Affairs at 1-800-934-3342.

Carmen J. Sullivan

Distribution: Insured Commercial Banks and FDIC-Supervised Savings Banks

Note: Paper copies of FDIC financial institution letters may be obtained through the FDIC's Public Information Center, 801 17th Street, N.W., Room 100, Washington, D.C. 20434 ((703) 562-2200)

Last Updated 07/13/1999

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