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"The funds available at ATM's and merchants for the use of POS transactions may include your available Ready Reserve balance or may overdraw your account.  You may use your Debit Card to obtain cash advances or to make POS transactions, but if your Ready Reserve Funds are accessed or if you overdraw your account, finance charges or overdraft fees will occur." 

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000.00 available to depositors under the FDIC's general deposit insurance rules.

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 (IOLTA'S). 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 www.fdic.gov.