By operation of federal law, beginning January 1, 2013, funds deposited in a “noninterest-bearing transaction account” (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount of $250,000, for each deposit insurance ownership category.

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, money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit

FDIC Insurance Coverage and Bank Branches

For Federal Deposit Insurance Corporation (FDIC) purposes, a depositor’s account balance in the Adams County Bank will be aggregated with any balances of the depositor in the following offices, branches, or internet sites of the Adams County Bank.

Adams County Bank, 401 N. Smith Ave. Kenesaw NE 68956
Adams County Bank, Juniata Branch, 1307 N. Brass Ave., Juniata NE 68955

The total account balances of a depositor with the Adams County Bank and its offices and branches will have the benefit of the deposit insurance coverage that the FDIC provides to a depositor’s accounts in a single bank. To determine the level of FDIC deposit insurance coverage available on accounts in a single bank, please ask for the FDIC brochure “Your Insured Deposit” or visit and in the “Consumer Resources” section, click on “Your Insured Deposit.”