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Inactive Financial Institution Letters

Deposit Insurance Publications

April 21, 2004

TO: CHIEF EXECUTIVE OFFICER (also of interest to Senior Operations Officer, Compliance Officer and Training Officer)
SUBJECT: Two New Brochures Explaining Deposit Insurance Coverage
Summary: The FDIC has published two new deposit insurance brochures for bank customers. The first, Insuring Your Deposits, is a basic explanation of federal deposit insurance coverage; and the second, Your Insured Deposits - FDIC's Guide to Deposit Insurance Coverage, is a comprehensive explanation.

The Federal Deposit Insurance Corporation (FDIC) has produced two new brochures for bank customers explaining federal deposit insurance coverage: Insuring Your Deposits and Your Insured Deposits - FDIC's Guide to Deposit Insurance Coverage. Enclosed is a copy of each brochure.

Insuring Your Deposits, a new eight-panel brochure, was developed in response to requests from depositors and bankers for a basic brochure on deposit insurance coverage that is quick and easy to read. The brochure describes insurance coverage rules for deposit accounts most commonly owned by individuals and families.

Your Insured Deposits - FDIC's Guide to Deposit Insurance Coverage is an updated version of the FDIC's 1999 comprehensive publication and is geared for depositors who need more detailed information about the FDIC's deposit insurance rules. This publication provides an indepth explanation of the FDIC's account ownership categories and the requirements to qualify for coverage in each category. It also includes the FDIC's new rules for insurance coverage of living trust accounts, which became effective April 1, 2004. Note: Earlier versions of the FDIC publication Your Insured Deposits are outdated and should be destroyed.

Both of the new deposit insurance brochures are currently available in English only. Spanish language versions of both brochures will be issued later this year, followed by Chinese and Korean language versions. Once these new versions are available, the FDIC will notify insured institutions through a Financial Institution Letter.

Copies of the two brochures can be downloaded from the FDIC's Web site at

Reproduction and Printing of Brochures by Insured Institutions
Financial institutions may reprint Insuring Your Deposits and Your Insured Deposits - FDIC's Guide to Deposit Insurance Coverage without permission from the FDIC, provided each brochure is reprinted in its entirety. Source files for the commercial printing of the new brochures may be downloaded from the FDIC's Web site at The format used is QuarkXPress Version 5.0 for Macintosh.

Obtaining Copies From the FDIC
The FDIC will provide insured banks and savings associations with copies of both deposit insurance brochures at no charge. Institutions are asked to submit orders during a 30-day period beginning with the date of this letter. Orders will be accepted on an ongoing basis after the close of this 30-day period, but later orders will not be processed until the initial orders have been completed.

To place an order for either publication, complete and submit the order form located on the FDIC's Web site at For the quickest delivery of your brochure order, use this online order form. If your institution does not have access to the Internet, you may fax or mail your order:

FAX: FDIC Public Information Center
202-416-2111 (FAX)

Or write to: FDIC Public Information Center
801 17th Street, N.W., Room 100
Washington, D.C. 20434

Orders submitted by FAX or mail should be written on your institution's letterhead and include a contact name, a telephone number where the contact may be reached, the title of the document, and the number of copies requested.

Orders for 500 copies or fewer of either brochure will be shipped within four to six weeks of the order date. Orders for more than 500 copies of either publication will be shipped six to eight weeks after the close of the 30-day order period. If demand for the publications exceeds estimates, additional time to fill orders may be required. An FDIC representative will call the bank contact listed on the order form to confirm any order for more than 5,000 copies of either publication.

For more information about the FDIC's new deposit insurance brochures, contact the FDIC's Call Center toll-free at 1-877-275-3342.

For your reference, FDIC Financial Institution Letters may be accessed from the FDIC's Web site at This FIL supersedes FIL-58-1999, dated June 18, 1999.

  Michael J. Zamorski
  Division of Supervision and Consumer Protection

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Distribution: FDIC-Insured Institutions

NOTE: Paper copies of FDIC financial institution letters may be obtained through the FDIC's Public Information Center, 801 17th Street, NW, Room 100, Washington, DC 20434 (1-877-275-3342 or (703) 562-2200).

Last Updated 10/28/2015

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