{"product_id":"fdic-insurance-signage-and-final-rules","title":"FDIC Insurance, Signage and Final Rules","description":"\u003cp class=\"x_MsoNormal\" data-olk-copy-source=\"MessageBody\"\u003eFDIC Insurance matters!  This has especially proven true between the failure of some prominent banks and the rise of posers that deceptively claim to offer FDIC Insurance to their customers.\u003c\/p\u003e\n\u003cp class=\"x_MsoNormal\"\u003eThe astonishing 2023 failures of SVB and Signature Bank made numerous bank customers worried about their money.  Many banks had customers asking if their money was safe with the bank, and some withdrew it all in fear.\u003c\/p\u003e\n\u003cp class=\"x_MsoNormal\"\u003eAt the same time, customers increasingly deposit their money digitally.  It is easy to deposit a check or transfer funds via online banking or smartphone, and many people never step foot into a physical bank – thereby never seeing the prominent gold and black signage for FDIC Insurance.\u003c\/p\u003e\n\u003cp class=\"x_MsoNormal\"\u003ePLUS! Non-banks are entering the market and competing for deposit dollars.  Some fraudulently say deposits are insured when they aren’t. This has created a strange brew of confusion and uncertainty – the worst thing for a safe and sound banking system.  In response, the FDIC acted, creating new requirements that mostly took in 2025.  However, some requirements have been pushed off until April 1, 2027.\u003c\/p\u003e\n\u003cp class=\"x_MsoNormal\"\u003eCommunity Banker, you are in the right position to inform and reassure your customers about FDIC Insurance.  How?  With proper signage, and by listening to their concerns and providing clear, reliable answers.  You can assure them with accurate facts \u0026amp; figures specific to their situation. To do this, you must have knowledge and confidence in how FDIC Insurance works, and how to find the right amount of coverage for any given customer.  You also need to know about the deceptive claims being made in the marketplace, so that you differentiate yourself as an institution of trust and confidence to your customers.\u003c\/p\u003e\n\u003cp class=\"x_MsoNormal\"\u003e\u003cb\u003e\u003cu\u003eTopics covered in this course\u003c\/u\u003e\u003c\/b\u003e\u003c\/p\u003e\n\u003cul type=\"disc\"\u003e\n\u003cli class=\"x_MsoNormal\"\u003e\u003cspan\u003eThe big picture, in a world of digital bank runs, digital deposits, and digital imposters\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"x_MsoNormal\"\u003e\u003cspan\u003eWhat FDIC Insurance covers\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"x_MsoNormal\"\u003e\u003cspan\u003eWhat it does NOT cover\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"x_MsoNormal\"\u003e\u003cspan\u003eBreaking down what these $250,000 coverage criteria fully mean:\u003c\/span\u003e\u003c\/li\u003e\n\u003cul type=\"circle\"\u003e\n\u003cli class=\"x_MsoNormal\"\u003e\u003cspan\u003ePer depositor\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"x_MsoNormal\"\u003e\u003cspan\u003ePer insured bank\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"x_MsoNormal\"\u003e\u003cspan\u003ePer ownership category\u003c\/span\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cli class=\"x_MsoNormal\"\u003e\u003cspan\u003eStructuring:  it’s a good thing!  How that $250,000 coverage can be purposefully set up to achieve millions in coverage for consumer depositors\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"x_MsoNormal\"\u003e\u003cspan\u003eHow to use the EDIE tool, with examples\u003c\/span\u003e\u003c\/li\u003e\n\u003cul type=\"circle\"\u003e\n\u003cli class=\"x_MsoNormal\"\u003e\u003cspan\u003eInvaluable:  Completing this tool with a customer and handing them an FDIC printout with coverage for their unique situation\u003c\/span\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cli class=\"x_MsoNormal\"\u003e\u003cspan\u003eNEW – some happened in 2025 and some were just finalized for 2027! Learn what (and when!) these FDIC requirements apply: \u003c\/span\u003e\u003c\/li\u003e\n\u003cul type=\"circle\"\u003e\n\u003cli class=\"x_MsoNormal\"\u003e\u003cspan\u003eMandatory signage for insured deposits (including electronically)\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"x_MsoNormal\"\u003e\u003cspan\u003eMandatory signage for non-deposit products (including electronically)\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"x_MsoNormal\"\u003e\u003cspan\u003eMandatory policy and procedure requirements\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"x_MsoNormal\"\u003e\u003cspan\u003eHow advertising signage fits in\u003c\/span\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/ul\u003e\n\u003cp class=\"x_MsoNormal\"\u003e\u003cb\u003e\u003cu\u003eWho Should Attend\u003c\/u\u003e\u003c\/b\u003e\u003c\/p\u003e\n\u003cul type=\"disc\"\u003e\n\u003cli class=\"x_MsoListParagraph\"\u003e\u003cspan\u003eCompliance officers\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"x_MsoListParagraph\"\u003e\u003cspan\u003eFront line staff (customer service and tellers)\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"x_MsoListParagraph\"\u003e\u003cspan\u003eTeller managers\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"x_MsoListParagraph\"\u003e\u003cspan\u003eOperations officers\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"x_MsoListParagraph\"\u003e\u003cspan\u003eLenders\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"x_MsoListParagraph\"\u003e\u003cspan\u003eAnyone who faces bank customers\u003c\/span\u003e\u003c\/li\u003e\n\u003c\/ul\u003e","brand":"BankersHub","offers":[{"title":"Default Title","offer_id":46746840465583,"sku":"ODC0407261","price":299.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0646\/2894\/9167\/files\/FDICInsurance.png?v=1771610913","url":"https:\/\/www.bankershub.com\/products\/fdic-insurance-signage-and-final-rules","provider":"BankersHub","version":"1.0","type":"link"}