Safeguarding Your Online Transactions:

Conducting Your Transactions Online

FDIC Insurance Information Resources:

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC).

Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

"Are My Deposits Insured?"
http://www.fdic.gov/deposit/deposits/index.html
Frequently Asked Questions
http://www.fdic.gov/consumers/cpfaq.html
FDIC’s Electronic Deposit Insurance Estimator
http://www.fdic.gov/edie/

FDIC Online Resources for Consumers:

FDIC Announces "Top 10" List of Online Resources for Consumers http://www.fdic.gov/consumers/consumer/information/ncpw/index.html

Mortgage Loan Assistance Resources:

Office of the Comptroller of Currency’s “Consumer Tips for Avoiding Foreclosure Rescue Scams”
http://www.occ.treas.gov/ftp/ADVISORY/2008-1.html
“A Consumer Guide to Mortgage Refinancing” by the Federal Reserve Board http://www.federalreserve.gov/pubs/refinancings/default.htm
Federal Reserve Bank Mortgage Foreclosure Resources http://www.federalreserve.gov/consumerinfo/foreclosure.htm
The Federal Reserve released a new publication to help consumers make smart decisions when choosing a home loan. 5 Tips for Shopping for a Mortgage urges consumers to conduct a financial self-assessment and directs them to a worksheet for developing a monthly spending plan. It also recommends taking the time to shop around and explains the difference between brokers and lenders.
"Borrower Outreach & Education" by the United States Treasury Department http://www.MakingHomeAffordable.gov

Fraud & Identity Theft Prevention, Tools and Advise:

Federal Trade Commission - Protecting America's Consumers
http://www.ftc.gov/bcp/consumer.shtm
Internet safety tips from the joint efforts of the F.T.C., Homeland Security, Department of Commerce, and the I.R.S
www.onguardonline.gov
Texas Attorney General’s Office website with tools to combat Identity Theft
http://www.texasfightsidtheft.gov/
U.S. Postal Inspection Service , consumer awareness and reporting instructions on scams and frauds committed through the U.S. mail, a federal crime.
http://postalinspectors.uspis.gov/

Customer Assistance Tools and Advise:

“5 Tips for Protecting Your Checking  Account” by the Federal Reserve Bank
http://www.federalreserve.gov/pubs/checkingaccount/default.htm
Consumer advisories from the Office of the Comptroller of Currency
http://www.helpwithmybank.gov/advisories/index.html
Independent Community Bankers of America
http://www.icba.whatsmyscore.org/
Federal Reserve New Rules about Credit Decisions and Notices
http://www.federalreserve.gov/consumerinfo/wyntk_notices.htm/ 

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