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BANKING-FUNDAMENTALS5 MIN READ

Commit to a deposit coverage check

Create a specific commitment to verify deposit insurance coverage variables before giving customer guidance.

Deposit insurance coverage guidance for a customer with multiple account titles. Use this when a customer asks whether balances across individual, joint, trust, or business accounts are insured at your bank. A branch customer asks whether $400,000 across individual and joint deposit accounts is fully covered by FDIC insurance. A business owner wants to place sale proceeds into a new deposit account and asks for an immediate FDIC coverage answer. A customer with a trust account asks whether beneficiary names change the deposit coverage calculation. When a customer asks whether deposits are insured, I will not answer from memory. I…

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