
Through December 31, 2013, all of your interest-bearing transaction accounts, which pay an annual percentage yield of 0. 50% or less, are fully guaranteed by the FDIC for the whole amount in your account. And, as a reminder, in October the FDIC increased the amount of insurance on other eligible deposit accounts - including savings, money markets, club accounts, interest-bearing transaction accounts gaining more than. 50% APY, and certificates of deposits - from $100, 000 to $250, 000, through December 31, 2013.