Nervous depositors helped trigger last month's failure of Columbian Bank and Trust Co. It has spurred other banks' customers into action.
They're double-checking that their accounts are fully covered by the Federal Deposit Insurance Corp. They're looking up bank ratings online.
They're seeking comfort and, with a little work, they should be able to find it.
The FDIC reached out this summer to depositors with a stay-calm advertising campaign that promotes its 75th anniversary and urges consumers to "Rest assured. It's insured."
Ads direct consumers to a toll-free help line at 1-877-275-3342 and its Web site, www.fdic.gov. The online site includes a calculator called EDIE, or Electronic Deposit Insurance Estimator, which tests whether a depositor's accounts meet the agency's rules for coverage.
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