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FDIC Information

The Muncy Bank & Trust Company is a member of the Federal Deposit Insurance Corp. (FDIC), an independent agency that is backed by the full faith and credit of the United States government. The FDIC emphasizes that not one penny of insured savings has ever been lost by a customer of a federally-insured bank.

The Dodd-Frank Wall Street Reform and Consumer Protection Act was signed by President Barack Obama on July 21, 2010, and made permanent the current standard maximum deposit insurance amount (SMDIA) of $250,000.00. The FDIC coverage limit applies per depositor, per insured depository institution, for each account ownership category.

Your deposits at The Muncy Bank & Trust Company are insured up to the following FDIC coverage limits.*

Single Accounts (owned by one person)  $250,000 per owner
Joint Accounts (two or more persons)  $250,000 per co-owner
IRAs and certain other retirement accounts $250,000 per owner
Trust Accounts $250,000 per owner per beneficiary, subject to specific limitations and requirements
Corporation, Partnership and Unincorporated Association Accounts  $250,000 per corporation, partnership or unincorporated association
Employee Benefit Plan Accounts $250,000 for the non-contingent, ascertainable interest of each participant
Government Accounts $250,000 per official custodian

*Coverage limits shown refer to the total of all deposits that an account holder has in the same ownership category.

Important Disclosure
Notice of Changes in Temporary 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/IOLA) 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/expiration.html.

For More Information...

If you have questions about FDIC coverage, please contact your local branch or call our Customer Service Representatives at 570-546-2211 or toll free 877-243-8919. The FDIC offers an online tool to calculate the insurance coverage on your accounts at www.myFDICinsurance.gov, and you can also contact the FDIC at 1-877-ASK-FDIC.

┬ęCopyright 2008 The Muncy Bank and Trust Company. Member FDIC. Equal Housing Lender.