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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 non-interest-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 thestandard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.


The term ”noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest.  It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.


For more information about temporary FDIC insurance coverage of transaction accounts, visit











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Current HHSB Visa®/MasterCard® holders can now access their account information online. Click here to enroll.


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Identity Theft Links

Click here to visit the Federal Trade Commission's website on identity theft.    



All consumers are entitled to receive a free credit report from all 3 nationwide credit reporting agencies (Equifax,  Experian, & TransUnion) once every 12 months. is the only agency endorsed by the Federal Trade Commission. Click here to visit




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Community Links

Crawfordsville Community School Corporation

North Montgomery Community School Corporation

North Putnam Community School Corporation

South Montgomery Community School Corporation

Wabash College




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