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CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS HAS EXPIRED.

Effective January 1, 2013, National Credit Union Administration share insurance coverage on funds in a "noninterest-bearing transaction account" will be limited to the standard maximum share insurance amount of $250,000.

The term "noninterest-bearing transaction account" includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal ("NOW") account, money-market deposit account, and Interest on Lawyers Trust Account ("IOLTA"), even if share drafts may be drawn on the account.

For more information about NCUS insurance coverage of transaction accounts, visit OCPMail@ncua.gov.