United Security Bank - FDIC Insurance Coverage

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FDIC Insurance Coverage

Every depositor is insured by the FDIC to at least $250,000. This level of FDIC insurance coverage was made permanent by the Dodd-Frank Wall Street Reform and Consumer Protection Act signed into law on July 21,2010.

Transaction Account Guarantee Program

United Security Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under the program, through December 31, 2010, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Accounts considered non-interest bearing include:

All personal and business checking accounts that do not earn interest.
Negotiable Order to Withdrawal (NOW) checking account for personal and business use (available only to sole proprietors, nonprofit organizations and public agencies).
Interest on Lawyers Trust Accounts (“IOLTAs”).

Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under FDIC’s general deposit insurance and unique only to banks that have elected to participate in this program.