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Topic: Deposit accounts

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	FDIC: Financial Institution Employee's Guide to Deposit Insurance (Site not responding. Last check: 2007-10-26)
		In this situation, deposit accounts held at the "virtual" branches or divisions of a bank are aggregated with any deposit accounts a customer may have at the traditional retail branches of the same bank before applying the insurance limit.
		Deposits in an insured branch of a foreign bank that are payable by contract in the U.S. are entitled to FDIC insurance coverage.
		Time deposits that mature within the first six months and are renewed for the same dollar amount (with or without accrued interest added to the principal amount) and for the same term as the original deposit are separately insured until the first maturity date after the expiration of the six-month period.
	www.fdic.gov /deposit/deposits/financial/principles.html (1831 words)

	Deposit account - Wikipedia, the free encyclopedia
		A deposit account is an account at a banking institution that allows money to be held on behalf of the account holder.
		The banking terms "deposit" and "withdrawal" actually tend to obscure the economic substance and legal essence of transactions in a deposit account.
		Depending on governmental restrictions, the funds in the account are insured, in the event the financial institution is forced to close or goes bankrupt.
	en.wikipedia.org /wiki/Deposit_account (462 words)

	Bank's Policy on Acceptance and operations of deposit accounts from Individuals (non-business)
		S.B. accounts and Current Deposit accounts which have remained inoperative for a total period of 5 years and term deposits not repaid or renewed for 5 years from the date of maturity, will be transferred to Unclaimed balances account maintained at Central office.
		Undesirable accounts: In cases where the operations in S.B. or current deposit account are not satisfactory, Bank may decide to close the account and pay the balance in the account to the depositor, after giving due notice.
		The deposit amount (either with or without the overdue interest amount) should be placed as fresh deposit at least for the minimum period for which such deposits are accepted as per current instructions in force.
	iob.in /bankdeppolicy.asp (5154 words)

	Deposit Accounts (Site not responding. Last check: 2007-10-26)
		Transfers to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to 6 per statement cycle, with no more than 3 by check or similar order to third parties.
		Deposits may be made to the account at any time, with a minimum deposit amount of $1.00.
		Transfers to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month, or statement cycle; with no transfers by check, draft, debit card, or similar order to third parties.
	www.fsbrenton.com /deposits.htm (1230 words)

	Country Bank - Deposit Account Agreement & Disclosure
		A NOW account may also be held by a for profit organization serving in a fiduciary or trustee capacity for an entity that is itself permitted to hold a NOW account.
		Deposits in the account will be held by us for the exclusive right and benefit of the minor.
		Any account holder or person authorized to sign on an account is required to notify us in writing if any account holder or other person authorized to sign on an account dies or is declared incompetent by a court.
	www.countrybnk.com /disclosures_depAccounts.cfm (5839 words)

	Fredrikson & Byron, P.A. - Deposit Accounts Under Revised Article 9 (Site not responding. Last check: 2007-10-26)
		Unless there is a control agreement or name change on a deposit account, nothing changes between a depository bank and that bank's customer if there is a security interest in the deposit account, even if the bank knows of the security interest, and even if the bank receives instructions from the secured, but unperfected, party.
		The deposit side of the bank will need to determine which department or personnel will be in charge of accepting, negotiating, implementing and monitoring control agreements, and how the bank will receive and carry out secured parties' instructions with respect to deposit accounts.
		If a lockbox account is already in place, lenders may want to be sure that the lender's name is on the account or that the lockbox or collateral account agreement meets the requirements for a control agreement under the new law.
	www.fredlaw.com /articles/banking/bank_0106_hbt.html (1083 words)

	M.P.E.P. Section 509.01, Deposit Accounts (BitLaw)
		However, a minimum deposit of $300 may be paid to establish a restricted subscription deposit account used exclusively for subscription order of patent copies as issued.
		An authorization to charge to a deposit account the fee for a request for reexamination pursuant to Section 1.510 and any other fees required in a reexamination proceeding in a patent may also be filed with the request for reexamination.
		An authorization to charge a fee to a deposit account will not be considered payment of the fee on the date the authorization to charge the fee is effective as to the particular fee to be charged unless sufficient funds are present in the account to cover the fee.
	www.bitlaw.com /source/mpep/509_01.html (865 words)

	U.S. Copyright Office - How to Open and Maintain a Copyright Office Deposit Account (Circular 5)
		An individual or firm may establish a deposit account, make advance deposits into that account, and charge copyright fees against the balance in their account instead of sending separate remittances with applications and other requests for services.
		However, deposit account holders should keep their own records and make sure that requested services are not delayed because of insufficient funds.
		Deposit account holders who submit requests for services for which no funds are available will be charged a $150 “overdraft” fee to cover the cost of extra processing.
	www.copyright.gov /circs/circ05.html (984 words)

	37 C.F.R. 1.25, Deposit accounts. (BitLaw)
		A general authorization to charge all fees, or only certain fees, set forth in § § 1.16 to 1.18 to a deposit account containing sufficient funds may be filed in an individual application, either for the entire pendency of the application or with a particular paper filed.
		An authorization to charge to a deposit account the fee for a request for reexamination pursuant to § 1.510 or § 1.913 and any other fees required in a reexamination proceeding in a patent may also be filed with the request for reexamination.
		A payment to replenish a deposit account must be submitted by one of the methods set forth in paragraphs (c)(1), (c)(2), (c)(3), or (c)(4) of this section.
	www.bitlaw.com /source/37cfr/1_25.html (723 words)

	Finance, Office of - Frequently Asked Questions About Deposit Accounts
		It is the responsibility of the deposit account holder to keep the USPTO informed of all individuals or organizations that are authorized to make charges against the deposit account.
		You may also contact the Deposit Account Branch at (571) 272-6500 or send an email to DaAdmin@uspto.gov and request that a "Deposit Account Closure Request Form" be mailed or faxed to you.
		You will receive a letter from the USPTO to notify you of receipt of your request to close your deposit account and a confirmation letter to notify you when your account has been closed, the remaining balance to be refunded, and the expected timeframe for you to receive your refund.
	www.uspto.gov /web/offices/ac/comp/fin/faqdepac.htm (993 words)

	Deposit Accounts
		Deposits to your share draft can be made in person, by mail, by ATM, payroll deduction, direct deposit, electronic funds transfer, telephone transfer (TLC) or home banking transfer.
		The Regular Share Account needs to be joint because anyone under the age of 18 cannot enter into a lending contract due to federal regulations.
		If the balance in the account falls below the $5,000.00 minimum balance during the month, the interest rate drops to the Regular Shares rates for the day(s) the balance is below$5,000.00.
	www.pcmcu.com /Deposits.htm (941 words)

	Truth-in-Savings Disclosure on Deposit Accounts at NetBank (Site not responding. Last check: 2007-10-26)
		The rate you receive for the term of the CD is the rate in effect on the day your deposit is received by us, which might be different from the rate available on the day you applied for the account.
		The rate applicable to your account upon renewal will be the rate then in effect, on the renewal date, for certificates of deposit of like term and amount.
		Any deposits sent with your incomplete application will not be processed and the deposit will earn interest (if the account is an interest-bearing account) only after we have received a completed and approved application.
	www.netbank.com /terms_truthinsavings.htm (1489 words)

	Money Market Deposit Accounts and Now Accounts
		Such investments shall be made through an account or accounts used for the deposit of customer funds and proceeds from any sale of such obligations shall be redeposited in such account or accounts.
		Indeed, if we were to permit the deposit of customer funds in an MMDA or a NOW account but not in a money market mutual fund, we would be creating differences between the uses of such accounts not contemplated by the actions taken to permit banks to compete more favorably with money market mutual funds.
		Accordingly, deposits in which any beneficial interest is held by a corporation, partnership, association, or other organization that is operated for profit or that is not operated primarily for religious, philanthropic, charitable, educational, fraternal or other similar purposes, or that is not a governmental unit, may not be classified as NOW accounts.
	www.cftc.gov /tm/tmint-09.htm (1403 words)

	Citibank Bahrain - Personal Accounts: Time Deposit
		Open a Citibank Time Deposit and enjoy all the benefits and prestige of being a customer of the world's leading financial services institution; a bank that has more than 3,500 branches in 100 countries around the world.
		With a minimum period of one week you are free to choose the period of your deposit.
		Subject to the provisions thereof, deposits held with the Bahrain office of Citibank, N.A. are covered by the Deposit Protection Scheme established by the Bahrain Monetary Agency regulation concerning the establishment of a Deposit Protection Scheme and a Deposit Protection Board".
	www.citibank.com /bahrain/gcb/paccounts/timedeposit.htm (488 words)

	Savings account - Wikipedia, the free encyclopedia
		Savings accounts are accounts maintained by commercial banks, savings and loan associations, credit unions, and mutual savings banks that pay interest but can not be used directly as money (by, for example, writing a cheque).
		204.2(d)(1) and from which, under the terms of the deposit contract or by practice of the depository institution, the depositor is permitted or authorized to make up to six transfers or withdrawals per month or statement cycle of at least four weeks.
		Withdrawals from a savings account are occasionally costly and are sometimes much higher and more time-consuming than the same financial transaction being performed on a demand account.
	en.wikipedia.org /wiki/Savings_deposit (742 words)

	Keeping your accounts covered by the FDIC
		Retirement accounts are a separate class of insured deposits, insured for up to $250,000, compared to the $100,000 limit on other classes of insured deposits.
		Note: FDIC insurance coverage for self-directed retirement accounts applies primarily to certificates of deposits or "CDs," which are deposit accounts typically held for anywhere from one month to five years.
		For the nonretirement accounts, if you or your family has deposits at one insured bank or credit union totaling more than $100,000, it's possible to have more than $100,000 in insured deposits, because different ownership categories of accounts are separately insured.
	www.bankrate.com /brm/news/DrDon/20060628a1.asp (417 words)

	Deposit Accounts - State Bank of India, U.S. Operations :::
		Deposit a specific amount of money, known as the principal, with us for a fixed period of time and get a guaranteed rate of return for the entire term of the certificate of deposit.
		Joint accounts are opened with the right of survivorship unless otherwise stated at the time the accounts are opened.
		Manager (Deposits) at amdep.nyb@statebank.com, and the forms will be sent to you by mail.
	www.statebank.com /fixedrate.asp (1385 words)

	MDCS - Payroll Direct Deposit
		Deposits are made into your accounts in the order in which you enter them into the system, except for your default account.
		If you are changing banks, changing bank accounts at the same bank, or changing from a checking to a savings account (or vice versa) at the same bank, and you do not want to continue using your existing account, you should first revoke the existing account, then add the new account.
		Your new account is now on file. The new account information must go through the Pre-Notification Process and will not be immediately effective. You should receive a warrant instead of direct deposit for one pay period while the new account information finishes the pre-notification process.
	www.michigan.gov /mdcs/0,1607,7-147-6879_19184_21557-55275--,00.html (2730 words)

	SCCCU: Interest Rates - Deposit Accounts
		deposits, receive a one-time 0.25% rate increase at the time of deposit if your account is opened with exclusively new money.
		Receive a one-time 0.25% rate increase at time of deposit if a partnership and regular certificate account are opened at the same time.
		Deposits do not extend the term of the account.
	www.scruzccu.org /rates/deposit-english.shtml (348 words)

	Payroll Direct Deposit Q&A (Site not responding. Last check: 2007-10-26)
		It is the transfer of funds from the State of Kansas account to an individual employee's checking or savings accounts at a participating bank, savings and loan association or credit union.
		Checking and savings account numbers are normally noted at the bottom of checks and deposit slips as well as the nine digit transit number.
		The account and transit numbers should be verified with your financial institution to determine that these are the correct numbers for ACH transactions.
	www.da.ks.gov /ar/payroll/dirdeposit.htm (939 words)

	Money Market Deposit Accounts - MMDAs - Pacific Trust Bank
		A Money Market Deposit Account (or "MMDA") is a class of savings accounts offered by banks and other financial institutions that generally pays interest rates that are equivalent to, and competitive with, money market mutual funds.
		Market Rate Accounts are great as a temporary place for larger amounts of funds that may be needed at any time, or as income building accounts.
		Your deposits are federally insured to at least $100,000 per depositor by the Federal Deposit Insurance Corporation (FDIC), and your retirement funds on deposit at Pacific Trust Bank are separately insured by the FDIC up to an additional $250,000.
	www.pacifictrustbank.com /products/MMDA.htm (441 words)

	Self-Help -- Deposit Accounts (Site not responding. Last check: 2007-10-26)
		When you or your organization set up an account, we are able to provide more loans to women, minorities, low-wealth families, rural residents and nonprofit organizations.
		Accounts are open to all members of the Center for Community Self-Help, which is Self-Help Credit Union’s affiliate nonprofit organization.
		Member account information is available by accessing the credit union audio teller, toll free, at 1-866-706-0694.
	www.self-help.org /depositaccounts/index.asp (233 words)

	FDIC Deposit Insurance - Pacific Trust Bank
		Also included are self-directed Keogh accounts, "457 Plan" accounts for state government employees, and employer-sponsored "defined contribution plan" accounts that are self-directed, which are primarily 401(k) accounts.
		Your retirement accounts also are separately insured from any other deposits you may have at the same institution.
		This increase to $250,000 for retirement accounts is important because many people saving money for their retirement have accumulated well in excess of $100,000.
	www.pacifictrustbank.com /Consumer/FDIC.htm (878 words)

	NGFCU: Deposit Accounts
		By establishing overdraft sources for this account with fee-free funds transfers, you have the assurance that the funds you need will be there.
		An account that allows members under the age of 18 to receive the benefits of Credit Union membership with dividends paid on reduced minimum balances.
		A custodial account called an UTMA may also be established for members under the age of 18.
	www.norgrumfcu.org /dep/dep_00.html (451 words)

	RiverLand Credit Union - Deposit Accounts
		Once you purchase a Certificate, after half the term of the CD has expired, you may choose to Step-Up the Rate to the current rate that is offered on a CD of the same term as the one originally purchased.
		The interest rate, and corresponding annual percentage yield, on a fixed-rate certificate will be fixed when the deposit is made and will remain in effect until the maturity date.
		Additional deposits are not permitted during the term of investment.
	www.riverlandcu.org /accounts/deposits.htm (700 words)

	WebDCB: Business Deposit Accounts (Site not responding. Last check: 2007-10-26)
		A checking account can be more than just a way to pay bills.
		A business checking account from "The Bank," along with the other services we can provide your business, is a cash management tool for keeping an accurate account of your business income and disbursements, speeding up availability of your funds, and increasing the return on them.
		You will receive a monthly statement of activity on the account along with your deposits and paid checks.
	www.webdcb.com /BusinessDepositAccounts.htm (164 words)

	Franklin Savings Bank: Online Deposit Slips
		These deposit slips are designed to be filled in on the computer and printed out to accompany your deposit, which must be brought to the bank.
		The self-calculating slips, which are intended for your convenience in organizing your deposit while away from the bank, will automatically tally your deposit.
		These deposit slips are PDF files, designed to be used with Adobe Acrobat Reader,which is a free download.
	www.fsbme.com /documents/deposit_slips.html (174 words)

	Downey Savings - Deposit Accounts
		When you choose a bank, you look for things such as all the accounts you need, friendly service, and convenient options.
		We have a wide variety of Checking Accounts to serve you.
		Our Education Savings Account is an excellent way to save for your child's education.
	www.downeysavings.com /da (152 words)

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