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Your Insured Deposit

Bank of Birmingham is a financially sound community Bank, as is detailed in its Annual Reports and other financial reports. (Click HERE for our Investor Relations page.) The Bank is also a member of the Federal Deposit Insurance Corporation and because of that, FDIC insurance coverage applies to our customers’ deposits. As is stated by the FDIC on its website (

“Since 1933, the FDIC seal has symbolized the safety and security of our nation’s financial institutions. FDIC deposit insurance enables consumers to confidently place their money at thousands of FDIC-insured banks across the country, and is backed by the full faith and credit of the United States government. FDIC insurance coverage depends on two things: (1) whether your chosen financial product is a deposit product, and (2) whether your bank is FDIC insured.”

"EDIE" – Electronic Deposit Insurance Estimator

The FDIC's insurance estimator "EDIE" allows depositors to calculate - on a per-bank basis - how the insurance rules and limits apply to their specific group of deposit accounts, what is insured and what portion (if any) exceeds coverage limits at that bank. Results of the calculations may also be printed from the EDIE site.

EDIE calculates the insurance coverage for:

  • Personal Accounts - deposits held in single accounts, joint accounts, POD/ITF accounts, living trust accounts, and Individual Retirement Accounts (IRAs);

  • Business Accounts - deposits held by corporations, partnerships, and organizations, both for-profit and not-for-profit; and

  • Government Accounts - deposits held by public units such as school districts, cities, municipalities, counties, and states.

To try it out, simply click here: