Description:
FDIC Insurance matters! This has especially proven true between the failure of some prominent banks and the rise of “wannabies” that deceptively claim to offer FDIC Insurance to their customers.
The 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.
At 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.
PLUS! 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 are not yet finalized.
Community 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 & 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.
The FDIC has *mostly* modernized its Official Signs and Advertising requirements to more fully address deposits made in the modern age – i.e. at ATMs, ITMs (Interactive Teller Machines), online banking, and mobile apps. In addition, the FDIC is cracking down on entities that deceptively misrepresent deposit insurance. Learn all the details of what is required NOW and what is coming March 1, 2026.
Now is the time to dust off your understanding of all things related to FDIC Insurance.
Learn:
- The big picture, in a world of digital bank runs, digital deposits, and digital imposters
- What FDIC Insurance covers
- What it does NOT apply cover
- Breaking down what these $250,000 coverage criteria fully mean:
- “Per depositor”
- “Per insured bank”
- “Per ownership category”
- Structuring: it’s a good thing! How that $250,000 coverage can be purposefully set up to achieve millions in coverage for consumer depositors
- How to use the EDIE tool, with examples
- Invaluable: Completing this tool with a customer and handing them an FDIC printout with coverage for their unique situation
- NEW – some in 2025 and some to come in 2026! Learn what (and when!) these FDIC requirements apply:
- Mandatory signage for insured deposits (including electronically)
- Mandatory signage for non-deposit products (including electronically)
- Mandatory policy and procedure requirements
- How advertising signage fits in
WHO SHOULD ATTEND: Compliance officers, front line staff (customer service and tellers), teller managers, operations officers, lenders, and anyone who faces bank customers.
Presenters:
Rebekah Leonard, CRCM
Rebekah is the owner of Elucidate LLC, a compliance training and consulting company. Elucidate means to “make clear, explain, throw light upon”, and describes Rebekah’s desire to illuminate the complexities of compliance with passion and fun. She’s created and produced a TRID music video parody and several Compliance Breakout escape rooms, which she frequently provides at state banking compliance conferences. She is an accomplished speaker and regularly provides webinars through BOL and Compliance Resource.
Rebekah is currently serving as the VP Director of Compliance for a $6 Billion community bank in Montana. She began her career in 1995 at a private lending company, but soon settled into banking, where she’s covered nearly all of it – customer service and teller work, loan processing and review, and security and business continuity. She now oversees CRA, BSA and all aspects of compliance as a senior leader. She has successfully navigated numerous FDIC Compliance, CRA, and BSA Exams.
Rebekah has a bachelor’s degree in Organizational Leadership from Chapman University (Magna cum Laude), attended the American Bankers Association National Compliance School in 2003, and has held her Certified Regulatory Compliance Manager designation since 2006. She is a BOL Compliance Guru.
June 18, 2026