Beware of Scams: We have recently seen an uptick in fraudulent phishing and vishing attempts, please be alert to scam emails, texts, or phone calls claiming to be from Monterey County Bank. We will never ask for your online banking credentials, one‑time passcodes, or other sensitive information via unsolicited communications. If you receive a suspicious message or call, do not respond and contact Monterey County Bank directly using the phone number listed on our website.
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
What Does FDIC Insurance Cover?
FDIC insurance covers deposits held at insured banks, including:
- Checking accounts
- Savings accounts
- Money market deposit accounts (MMDAs)
- Negotiable Order of Withdrawal (NOW) accounts
- Certificates of Deposit (CDs)
- Official bank-issued items, such as cashier’s checks and money orders
FDIC insurance does not cover investments such as:
- Stocks or bonds
- Mutual funds
- Life insurance policies or annuities
- Municipal securities
- (Even if purchased through an FDIC-insured bank)
Understand Your Coverage with EDIE
Use the FDIC’s Electronic Deposit Insurance Estimator (EDIE) to calculate how your deposits are covered. This helpful tool allows you to review your account types and balances to ensure your funds are fully protected under FDIC insurance.
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