FDIC Insurance Coverage

FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

NOTICE: By federal law, as of 1/1/2013, funds in a noninterest-bearing transaction account (including an IOLTA) will no longer receive unlimited deposit insurance coverage, but will be FDIC-insured to the legal maximum of $250,000 for each ownership category. For more information, visit http://www.fdic.gov/deposit/deposits/unlimited

To find out how FDIC deposit insurance works and estimate coverage on your deposits, please contact your Account Representative or visit http://www.fdic.gov/deposit/deposits/indext.html 

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 Certificate of Deposit Account Registry Service (CDARS)

Franklin Community Bank, N.A. now offers the Certificate of Deposit Account Registry Service (CDARS) to provide our customers with multi-million dollar FDIC insurance coverage in order to protect large dollar investments.  Customers can leave deposits up to the FDIC insurance coverage on deposit with Franklin Community Bank.  Any deposit balances over these FDIC coverage limits can be enrolled in the CDARS program for up to $50 million in insurance protection.  For further information concerning this program, please contact a customer service representative at one of our convenient locations.

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