Fidelity Bank is a member of the Federal Deposit Insurance Corporation (FDIC).

The Federal Deposit Insurance Corporation (FDIC) insures deposit accounts such as checking, NOW and savings accounts, money market deposit accounts, and certificates of deposit. The basic insurance limit is $250,000 per depositor, per insured depository institution for each account ownership category.

The $250,000 limit also applies to certain retirement accounts, which includes IRAs. This money is insured separately from funds in other types of deposit accounts.

Fidelity Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 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.

At Fidelity Bank this full guarantee will only apply to funds deposited to a “noninterest-bearing transaction account.”

This full guarantee does not apply to funds deposited in interest-bearing transaction accounts including interesting-bearing NOW accounts and Money Market Deposit Accounts (MMDAs).

If you have a Sweep arrangement with us whereby, funds in a noninterest-bearing checking account are being automatically transferred to an interest-bearing account, this action will void the full guarantee on funds being swept or transferred into the interest-bearing account.

For more information about FDIC insurance please view:

• FDIC Deposit Insurance Guidance
• EDIE The Estimator