Rates Current as of Thursday February 09, 2012

State Banking Department

The organization in each State that supervises the operations and affairs of State banks.

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Banking & CD FAQs

Does the federal government insure money market funds?

No, an investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency.

Can a bank place a stop payment on an electronic funds transfer?

Yes. You may stop payment of a preauthorized withdrawal, recurring monthly payments or a one time scheduled funds transfer. You can do this by notifying the bank within 3 business days before the transfer is scheduled to be made. You can notify the bank orally or in writing. However, if you notify

Is there any benefit to choosing to do business with a bank that is a member of the Federal Reserve System?

On average, member banks tend to be the larger institutions. If you choose to bank at a member institution, you will likely be choosing a larger bank with many branch locations, alternatively, if you choose to hold an account with a nonmember bank, you’ll typically be choosing a smaller institution with fewer branch locations.

Can you still deposit cash directly into your bank account or open up a CD with cash?

There are no Federal regulations that would prevent you from either depositing cash into your checking or savings accounts or opening a CD with a cash deposit. Federal regulations simply make it mandatory that banks fill out a disclosure form when there is a transaction involving cash in excess of $10,000.00. Banks are

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