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FDIC - Federal Reserve Bank

FDIC Insurance

Montana State Bank does maintain FDIC insurance on deposit accounts. If you would like more information on deposit insurance coverage and the level of protection that the insurance affords, please visit http://www.fdic.gov.

Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts

Beginning December 31, 2010 through December 31, 2012, all "non-interest bearing transaction accounts" will be fully insured by the FDIC regardless of balance. The unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC general deposit rules.

The term "non-interest bearing transaction accounts" includes all regular checking accounts or demand deposit accounts that do not earn interest. It does not include other accounts such as NOW accounts, Money-Market deposit accounts, or others that earn interest.

After December 31, 2012, funds in non-interest bearing checking accounts will be insured under the FDIC's general deposit rules, subject to the standard maximum deposit insurance amount, currently at $250,000.

For more information on FDIC insurance coverage, visit http://www.fdic.gov

Federal Reserve Bank

Montana State Bank is regulated by the Federal Reserve Bank. If you should have any questions or complaints in regards to our banking practices you may contact the Federal Reserve Bank at 90 Hennepin Ave., P.O. Box 291, Minneapolis, MN 55480; or by calling 612-204-5176.

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