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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

August 25, 1999

SUBJECT: Revision of The Financial Institution Employee's Guide to Deposit Insurance

Enclosed is a revised version of the FDIC's publication The Financial Institution Employee's Guide to Deposit Insurance. It is a comprehensive document explaining the FDIC's deposit insurance rules in a non-technical way, and providing background and instructional materials on deposit insurance. This guide includes the amendments to the deposit insurance rules that became effective July 1, 1998, and April 1, 1999.

Each FDIC-insured financial institution should ensure that its staff provides accurate and complete information about FDIC insurance coverage to its depositors. Bank and thrift employees who deal directly with depositors should understand the rules that govern deposit insurance coverage well enough 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 disseminating 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.

The enclosed revised guide is not copyrighted and may be duplicated. The guide is also available on the FDIC's Web page at

For more information, please contact the FDIC's Division of Compliance and Consumer Affairs at 1-800-934-3342.

William F. Kroener, III Stephen M. Cross
General Counsel Director, Division of Compliance
and Consumer Affairs


Distribution: All FDIC-Insured Banks and Savings Associations

NOTE: Paper copies of FDIC financial institutions letters may be obtained through the FDIC's Public Information Center, 801 17th Street, NW, Room 100, Washington, DC 20434 (800-276-6003 or (703) 562-2200).

Last Updated 10/19/2010

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