Member FDIC
The FDIC -short for the Federal Deposit Insurance Corporation - is an independent agency of the United States government. The FDIC protects depositors against the loss of their insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
If your accounts at Ameriana FDIC-insured bank or savings association total $250,000 or less, your deposits are fully insured. A depositor can have more than $250,000 at one insured bank or savings association and still be fully insured provided the accounts meet certain requirements.
Please Contact Us if you have any questions about FDIC coverage.
Equal Housing Lender
The terms Equal Housing Lender and Equal Opportunity Lender are synonymous and refer to all FDIC insured banks, including Ameriana. Such banks are prohibited from discriminating on the basis of race, color, religion, national origin, sex, handicap, or familial status. They are required, in all advertisements of home loan related services, to explicitly use one of these two terms in describing themselves, or to use one of several approved logos, like the one you'll see throughout our website:
Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts
All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.
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 www.fdic.gov or contact the FDIC toll-free at 1-877-ASK-FDIC (1-877-275-3342).
A free service for consumers to confirm that the mortgage company or mortgage professional with whom they wish to conduct business is authorized to conduct mortgage business in their state. To access this free service please visit the Nationwide Mortgage Licensing System & Registry. View a listing of Ameriana Mortgage Loan Originators and their National Mortgage Licensing system (NMLS) unique IDs.
