The standard insurance amount of $250,000 per depositor is in effect through December 31,
2013. On January 1, 2014, the standard insurance amount will return to $100,000 per
depositor for all account categories except IRAs and other certain retirement accounts, which will remain at $250,000 per depositor. 

Additionally, Peoples Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2009, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules. Funds swept to other account types are not eligible for coverage under this program but continue to benefit from the basic limit established by the FDIC.  Certain Interest Bearing Checking Accounts (NOW Accounts) are eligible for coverage under the Transaction Account Guarantee Program. More>