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- Filter Spam: You should take measures to prevent spam from getting into your mailbox.
- Regard Unsolicited Email with Suspicion: Don't automatically trust any email sent to you by an unknown individual or organization. Never open an attachment to unsolicited email. Most importantly, never click on a link sent to you in an email.
- Treat Email Attachments with Caution: Email attachments are commonly used by online scammers to sneak a virus onto your computer. A familiar from address is no guarantee of safety because some viruses spread by first searching for all email addresses on an infected computer and then sending itself to these addresses. It could be your friend's computer is infected with just such a virus.
- Use Common Sense: Take a moment to consider the likelihood that the email is legitimate.
- Install Antivirus Software and Keep it Up to Date: You should install an antivirus program that has an automatic update feature.
- Learn the Email Policies of the Organizations You Do Business With: Most organizations doing business online now have clear policies about how they communicate with their customers in email. Many will not ask you to provide account or personal information via email.
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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 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 ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.
