FDIC Insurance Questions

Mother Lode Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through June 30, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

We realize how important it is for our customers to know their deposits are insured. Though we cannot advise you how to structure your deposits, we can certainly guide you to the tools that will help put your mind at ease so you can rest better tonight.

FDIC Resources:

We have brochures that can walk you through the FDIC Insurance Rules. Next time you’re in town, stop by one of our branches and pick one up, or if you would prefer, give us a call and we’ll put one in the mail for you.

The FDIC offers a calculator on their web site that creates a model based on your own personal situation and lets you know how much you are insured for. This is a useful tool that we encourage anyone who has concerns to utilize!

Visit their web site at http://www.fdic.gov/edie/.

Multi Million Dollar FDIC Insurance on Deposits:

Mother Lode Bank is proud to be a member of the Certificate of Deposit Account Registry Service – CDARS® program. This membership enables you to make one large deposit at one of our branches and we break it down into smaller deposits that are then placed on your behalf at other member banks ensuring each is under $100,000 so your entire deposit is eligible for full FDIC insurance coverage*. No more tracking multiple rates, maturity dates and driving all over town. With us, you enjoy one rate, one statement, and one hometown banking location.

Contact us for more details at 209-694-8400 or stop by one of our locations for friendly personal service.

* Additional terms and conditions may apply. Ask an associate for details. CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. Mother Lode Bank is not affiliated with Promontory Interfinancial Network, LLC.