Monterey County Bank


Getting Smart About Smartphones: tips for consumers

Our phones have become pocket computers.
Think of the information your smartphone holds: call logs, text messages, your location, your contacts, photos, videos, and your web browsing history. Think of what it can do: stream movies, hail a cab, make purchases, and talk to you, among other things.

If, like many Americans, you say your life is in your phone, then it’s time to get smart about how you use it. Your safety depends on it.

Click Here to review this helpful information released by the California Department of Justice.

FDIC Insurance Coverage

FDIC insurance covers all types of deposits received at an insured bank, including deposits in a checking account, negotiable order of withdrawal (NOW) account, savings account, money market deposit account (MMDA), time deposit such as a certificate of deposit (CD), or an official item issued by a bank, such as a cashier's check or money order.

FDIC does not insure money invested in stocks, bonds, mutual funds, life insurance policies, annuities or municipal securities, even if these investments are purchased at an insured bank.

Accounts will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage, visit:

Use the FDIC's Electronic Deposit Insurance Estimator to calculate insurance coverage.
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