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As of January 1, 2013 all of a depositor's accounts are insured by the FDIC up to the standard maximum deposit insurance amount ($250,000) for each deposit insurance ownership category. 
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Lakeland Bank wants you to feel confident that your deposits are safe and that we provide the greatest available level of financial security to our customers. To speak to a customer service representative, call us at 866-224-1379.

The Basic FDIC Deposit Insurance Coverage Limits

Single Accounts (owned by one person)


$250,000 per owner

Joint Accounts (two or more persons)


$250,000 per co-owner

IRAs and certain other retirement accounts


$250,000 per owner

Trust Accounts*


$250,000 per owner per beneficiary subject to specific limitations and requirements

Corporation, Partnership and Unincorporated Association Accounts


$250,000 per corporation, partnership or unincorporated association

Employee Benefit Plan Accounts


$250,000 for the non-contingent, ascertainable interest of each participant

Government Accounts


$250,000 per official custodian

*The FDIC has eased the rule governing "revocable trust accounts" that pass to named beneficiaries when the account owner dies. Now an account owner can name any person or charity as a beneficiary and the owner will qualify for the additional deposit insurance coverage. Read more about this change at: http://www.fdic.gov/news/news/financial/2008/fil08099.html.