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:

Information About the Transaction Account Guarantee Program

As of January 1, 2010, Ameriana Bank will no longer participate in the Federal Deposit Insurance Corporation's (FDIC's) Transaction Account Guarantee Program.  Beginning December 31, 2009, funds held in non-interest-bearing transaction accounts will no longer be guaranteed in full under the Transaction Account Guarantee Program, but will be insured up to $250,000 under the FDIC's general deposit insurance rules.