Privacy Policy

Notice Of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

Maximize Your FDIC Insurance

Deposits at Sutter Community Bank are now insured up to at least $250,000 per depositor. Get more out of FDIC insurance with a few tips from us.

Know the facts. You could be covered for more than $250,000. Here's a simple example of how one couple could be insured up to $1,500,000:

• Bank Account 1: John Doe, $250,000
• Bank Account 2: Mary Doe, $250,000
• Bank Account 3: Joint Account, John and Mary Doe, $500,000
• Bank Account 4: John Doe, In Trust For (ITF) Mary Doe, $250,000
• Bank Account 5: Mary Doe, In Trust For (ITF) John Doe, $250,000
• Total: $1,500,000

Need up to $50 Million in FDIC insurance?

Click here to learn about the CDARS® program.

Instantly calculate your coverage

Looking to estimate how much of your money is covered by the FDIC? To get instant insight, try EDIE the Estimator, created by the FDIC.

Get a fresh perspective on how to protect your money

Here are four depositor stories. Each shows a different combination of bank accounts and ownership to help you see the various ways in which FDIC coverage can be calculated.